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GRACE · 2019年03月04日

问一道题：NO.PZ2015120604000170 [ CFA I ]

  1. CFA I
  2. Quantitative

为啥第二个，N=14？ 问题如下图：

选项：

A.

B.

C.

解释：

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1 个答案

菲菲_品职助教 · 2019年03月06日

同学你好，这道题目说的是，AJ从现在开始每年存一笔钱一直到第十五年开始交他孩子的学费，相当于T=15时开始有PMT的支出，持续四年，到T=18时全部付完学费。Step1算出来的PV其实是将T=15、16、17、18时的这四笔PMT折现到T=14这个时间点，所以这个PV=PV14。导致Step2里面的N=14而不是15。这道题目画个图会更加清晰一点，也便于你的理解。

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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

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2023-06-08 19:57 1 · 回答

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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

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2022-12-19 14:01 3 · 回答