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kiki吖 · 2023年07月27日

可以用后付年金的计算方式

  1. CFA I
  2. Quantitative

NO.PZ2015120604000011

问题如下：

An investor purchased an annuity many years ago. The first payment of the annuity is to be received today. Assume the payment of the annuity is $5,000 constanly , the period the payment is 20 years. and the discount rate is 12%, calculate the today' value of the annuity:

选项：

A.

$37,347.

B.

$403,493.

C.

$41,829.

解释：

C is correct.

Under the BGN mode.

N = 20; PMT = -5,000; I/Y =12; FV = 0; CPT PV = 41,828.89.

可以用后付年金的计算方式，用n=19来算么

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1 个答案

星星_品职助教 · 2023年07月28日

同学你好，

19期后付年金再加一期PMT也能算出结果。货币时间价值的题目经常都是有多种方法可以达到目的。

但我们并不这样计算，步骤繁琐易出错，没有意义。

直接用答案解析中的BGN模式就可以直接算出结果。即使不用BGN，仍然用答案解析中的按键算出20期后付年金，然后乘以（1+r），即本题中的1.12后即可得到答案。

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