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大大大可乐 · 2019年11月01日

问一道题:NO.PZ2015120604000003

问题如下:

If an investor intends to earn $100 in three years assuming the interest rate is 8.87% constantly, how much should he invest now ?

选项:

A.

$77.75.

B.

$77.50.

C.

$100.

解释:

B is correct.

N = 3; I/Y = 8.87; PMT = 0;FV=100, CPT  PV = -$77.50

题干说wants to earn $100,难道不是FV=100+PV吗?应该用公式 PV(1+8.87%)³ = 100 + PV吗?

1 个答案

星星_品职助教 · 2019年11月01日

同学你好,

earn$100的意思要理解成三年后要有$100,而不是三年后要“另外”赚100。也就是说现在投入多少钱(PV)经过三年的利滚利后会滚成100(FV)。

single cash flow问题的题型都比较固定,这道题就是已知FV求PV的问题,公式固定为:FV=PV*(1+r)^n。或直接用计算器TVM五个键直接计算更快捷一些。加油。

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