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Nbop · 2023年07月30日

计算器里是可以直接按出每一个步骤的结果吗，是要怎么按呢。还想问下本题考到的知识点

  1. Quantitative

NO.PZ2022123001000005

问题如下：

A couple plans to pay their child’s college tuition for 4 years starting 18 years from now. The current annual cost of college is C$7,000, and they expect this cost to rise at an annual rate of 5 percent. In their planning, they assume that they can earn 6% annually. How much must they put aside each year, starting next year, if they plan to make 17 equal payments?

选项：

A.$2,221.58 B.$2,300.78 C.$3,038.74

解释：

Step1: calculate the CF since 18,

CF18=7000*(1+5%)18 =16846, CF19=7000*(1+5%)19 =17689,…

Step 2: PV of tuition (4 CF since 18) at year 17

C$16,846 (1,06)-1 + C$17,689 (1.06)-2 + C$18,573 (1.06)-3 + C$19,502 (1.06 )-4 =$62,677

Step 3: Calculate PMT

Input FV=C$62,677, PV=0, I/Y=6, N=17, then CPT PMT= C$2,221.58

In summary, the couple will need to put aside C$2,221.58 each year if they start next year and make 17 equal payments.

如题

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1 个答案

星星_品职助教 · 2023年07月31日

同学你好，

本题考察1）终值计算；2）不规则现金流的折现；3）年金问题中PMT的计算，分别对应答案解析中的三个step。总体思路为把四笔学费的值分别算出来（step 1），然后分别折到本题要求的17时点（step 2）。最后根据这个在17时点的值，来求出每年需要的PMT（step 3）。

具体而言，答案解析中的Step 1是根据学费的增长率来分笔计算四笔学费各自的值。这个步骤并非年金计算，需要逐一根据公式手按计算器算出来四个值。

Step2是将这四笔学费逐一折现到17时点，由于四笔学费是不规则现金流，即每笔现金流的金额不同，这种情况无法直接用计算器第三排计算年金的功能来算，仍然只能根据公式逐笔折算。

step 3是根据这个算到17时点的值来求PMT，只有这个过程可以用计算器来直接按，按键参照答案解析。

如果对于上述三个step中的具体哪一步的计算器按法有问题，可就该问题继续提问。

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