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Lance · 2023年04月22日

老师，我觉得这题应该考虑学费事先支付。应该选3800啊。

  1. CFA I
  2. Quantitative

NO.PZ2015120604000170

问题如下：

A.J. plans to pay his child's tuition fee for four years starting 15 years from now. He estimates the fees is $22,000 per year. If the saving account interest rate is 5.5% annually, and how much payment A.J. should make at the end of each year from now?

选项：

A.

$3,441.23

B.

$3,800.07

C.

$4,009.08

解释：

B is correct.

Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30

Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07

除非北美那边学费是年末付的。 这个显然不符合常理吧。

是不是算4年学费现值应该选年初支付呢。因为这个是有差异的呀。

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星星_品职助教 · 2023年04月23日

同学你好，

只有题干中给出明确的先付年金的条件时，才用先付来解题。否则都按照普通（即后付）年金来解题。

如果题干中没有单独说明学费是在at the beginning支付，“starting 15 years from now”指得就是首笔付款落在15这个时间点上，即四笔学费的时间就是15,16,17,18.

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