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zhao肉球 · 2020年01月29日

问一道题：NO.PZ2015120604000170

  1. CFA I
  2. Quantitative

问题如下：

A.J. plans to pay his child's tuition fee for four years starting 15 years from now. He estimates the fees is $22,000 per year. If the saving account interestt rate is 5.5% annually, and A.J. will make payments at the end of each year, how much would A.J. put aside?

选项：

A.

$3,441.23

B.

$3,800.07

C.

$4,009.08

解释：

B is correct.

Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30

Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07

可以解释一下为什么第二次的折现n=14吗？按照题目说的后付年金的pv算出来不应该就是15年年初的折现值，那第二次折现的n为什么不是15呢？二次折现的题目遇到这个n这个问题都会比较难判断，可以稍微梳理一下规则吗？

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1 个答案

星星_品职助教 · 2020年02月03日

同学你好，

这道题提问重复了。

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