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wenxing · 2018年09月29日

问一道题：NO.PZ2015120604000170 [ CFA I ]

  1. CFA I
  2. Quantitative

请问学费是四年中每年年末付的吗？跟视频讲的例题是一样的吗？为什么视频上的例题算4年学费的现值不是70919，我是用beg 模式计算的，然而，我用end模式就可以计算出视频上70919的答案？不是要用beg模式吗？问题如下图：

选项：

A.

B.

C.

解释：

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2 个答案

wenxing · 2018年09月30日

谢谢老师的讲解

菲菲_品职助教 · 2018年09月30日

也谢谢你~~加油~

菲菲_品职助教 · 2018年09月29日

同学你好，这两道题不是一样的哦。题库这道题目是不需要用BGN模式算的。因为这里的学费支付不是先付年金。题目也没有专门提到说在年初支付，所以默认是后付年金的形式。

但是讲义上这道题目，它有明确说payable at the beginning of each year。所以要用BGN模式。讲义上这个数字确实是错了，应该是74465。最后算出的PMT应该等于2881.73。感谢反馈错误！

wenxing · 2018年09月30日

谢谢老师哈

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NO.PZ2015120604000170问题如下 A.J. plans to phis chils 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, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23B.$3,800.07C.$4,009.08B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07老师，我发现我做类似的题最容易做错的部分就是前面一个时间段短年份数，就像这道题，我就会按照15年来计算。

2023-07-21 11:57 1 · 回答

NO.PZ2015120604000170问题如下 A.J. plans to phis chils 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, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23B.$3,800.07C.$4,009.08B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07为什么N是14题目不是说从现在开始的15年吗

2023-06-08 19:57 1 · 回答

NO.PZ2015120604000170 问题如下 A.J. plans to phis chils 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, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23 B.$3,800.07 C.$4,009.08 B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 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。

2023-04-22 10:01 1 · 回答

NO.PZ2015120604000170 问题如下 A.J. plans to phis chils 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, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23 B.$3,800.07 C.$4,009.08 B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07 15、16、17、18年需要交学费，那应该是年初交，所以计算机要调整成BGN，N=4,I/Y=5.5,PMT=22000,FV=0,得出折现到15年时候得PV=81354；从现在0时刻开始，每年年末存一笔钱，到14年，一共存了14笔，计算机调整成ENN=14,I/Y=5.5,PV=0,FV=-81354,

2023-02-03 14:57 2 · 回答

NO.PZ2015120604000170 问题如下 A.J. plans to phis chils 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, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23 B.$3,800.07 C.$4,009.08 B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07 这道题可以翻译下吗 我理解的是用15年每年定期存入的钱支付4年的学费，那么N就是等于15呀

2022-12-19 14:01 3 · 回答