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liz112001 · 2019年10月24日

问一道题:NO.PZ2017092702000014

问题如下图:

    

选项:

A.

B.

C.

解释:


请问如果用计算器计算的话(先用先付年金模式计算出pv18也就是fv18是183650,然后再用后付模式得出真正的pv=64340.8466)是不是不用考虑是第17年还是18年呢?因为感觉这个第17年还是18年常常会搞混。

2 个答案

Weiwei🍀💋🐶 · 2020年01月27日

17时间点为后付年金的0时间点,18时间点为后付年金的1时间点..以此类推)

第一步算年金的折现是折到17时间点


PV17=A/r=50000/6%=833333.3333


然后再折现到0点算PV?有点不太明白

星星_品职助教 · 2020年02月06日

不能用永续年金来计算

星星_品职助教 · 2019年10月25日

同学你好,

这道题的时间点问题建议这么理解:题目里描述的 the first payment due as a lump sum in 18 years,指得就是在第18年,也就是时间轴18这个时间点上要付第一笔钱 5w,然后连续付4年。也就相当于就是在18,19,20,21这四个时间点付钱。根据这个计算就行,理解成后付年金比较好理解一些(17时间点为后付年金的0时间点,18时间点为后付年金的1时间点..以此类推)。所以第一步算年金的折现是折到17时间点。

年金的题目还是建议统一的去理解,这样遇到别的题目思路可以直接套用,而特殊的理解方式可能只适用于某几道题。加油。

 

sarahjia · 2020年02月06日

也就是第一笔是17年的后付年金吗

星星_品职助教 · 2020年02月06日

17年是之后四笔现金流的现值,年金的知识点也需要复习一下

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NO.PZ2017092702000014 问题如下 Granarents are funng a newborn’s future university tuition costs, estimate$50,000/yefor four years, with the first payment e a lump sum in 18 years. Assuming a 6% effective annurate, the requireposit toy is closest to: A.$60,699. B.$64,341. C.$68,201. B is correct. First, finthe present value (PV) of ornary annuity in Ye17 threpresents the tuition costs: 50,000[1−1(1+0.06)40.06]50,000{\lbrack\frac{1-\frac1{{(1+0.06)}^4}}{0.06}\rbrack}50,000[0.061−(1+0.06)41​​] = $50,000 × 3.4651 = $173,255.28. Then, finthe PV of the annuity in toy’s llars (where FV is future value):PV0=FV(1+0.06)17=173,255.28(1+0.06)17PV_0=\frac{FV}{{(1+0.06)}^{17}}=\frac{173,255.28}{{(1+0.06)}^{17}}PV0​=(1+0.06)17FV​=(1+0.06)17173,255.28​PV0 = $64,340.85 ≈ $64,341. 173255.28我能算出来 但为什么下一步时间是17 不是18

2023-09-23 20:31 1 · 回答

NO.PZ2017092702000014 问题如下 Granarents are funng a newborn’s future university tuition costs, estimate$50,000/yefor four years, with the first payment e a lump sum in 18 years. Assuming a 6% effective annurate, the requireposit toy is closest to: A.$60,699. B.$64,341. C.$68,201. B is correct. First, finthe present value (PV) of ornary annuity in Ye17 threpresents the tuition costs: 50,000[1−1(1+0.06)40.06]50,000{\lbrack\frac{1-\frac1{{(1+0.06)}^4}}{0.06}\rbrack}50,000[0.061−(1+0.06)41​​] = $50,000 × 3.4651 = $173,255.28. Then, finthe PV of the annuity in toy’s llars (where FV is future value):PV0=FV(1+0.06)17=173,255.28(1+0.06)17PV_0=\frac{FV}{{(1+0.06)}^{17}}=\frac{173,255.28}{{(1+0.06)}^{17}}PV0​=(1+0.06)17FV​=(1+0.06)17173,255.28​PV0 = $64,340.85 ≈ $64,341. N=18, I/Y= 6, PMT=0, FV = 200000 这样哪里错了

2023-09-19 22:24 1 · 回答

NO.PZ2017092702000014问题如下Granarents are funng a newborn’s future university tuition costs, estimate$50,000/yefor four years, with the first payment e a lump sum in 18 years. Assuming a 6% effective annurate, the requireposit toy is closest to:A.$60,699.B.$64,341.C.$68,201.B is correct. First, finthe present value (PV) of ornary annuity in Ye17 threpresents the tuition costs: 50,000[1−1(1+0.06)40.06]50,000{\lbrack\frac{1-\frac1{{(1+0.06)}^4}}{0.06}\rbrack}50,000[0.061−(1+0.06)41​​] = $50,000 × 3.4651 = $173,255.28. Then, finthe PV of the annuity in toy’s llars (where FV is future value):PV0=FV(1+0.06)17=173,255.28(1+0.06)17PV_0=\frac{FV}{{(1+0.06)}^{17}}=\frac{173,255.28}{{(1+0.06)}^{17}}PV0​=(1+0.06)17FV​=(1+0.06)17173,255.28​PV0 = $64,340.85 ≈ $64,341.first payment e,这里的e不是先付吗?如果不是,那么 题干一般如何表达先付呢?

2023-08-21 16:57 1 · 回答

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2023-05-22 14:50 1 · 回答

NO.PZ2017092702000014问题如下Granarents are funng a newborn’s future university tuition costs, estimate$50,000/yefor four years, with the first payment e a lump sum in 18 years. Assuming a 6% effective annurate, the requireposit toy is closest to:A.$60,699.B.$64,341.C.$68,201.B is correct. First, finthe present value (PV) of ornary annuity in Ye17 threpresents the tuition costs: 50,000[1−1(1+0.06)40.06]50,000{\lbrack\frac{1-\frac1{{(1+0.06)}^4}}{0.06}\rbrack}50,000[0.061−(1+0.06)41​​] = $50,000 × 3.4651 = $173,255.28. Then, finthe PV of the annuity in toy’s llars (where FV is future value):PV0=FV(1+0.06)17=173,255.28(1+0.06)17PV_0=\frac{FV}{{(1+0.06)}^{17}}=\frac{173,255.28}{{(1+0.06)}^{17}}PV0​=(1+0.06)17FV​=(1+0.06)17173,255.28​PV0 = $64,340.85 ≈ $64,341.老师,学费不是都应该先付吗?这个不按照常识处理吗?另外,如果,18时点开始的payment 是先付,是不是答案就是C啊?,折到17年初,也就是16年末是173255。

2023-05-21 17:37 1 · 回答