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小胖嘟 · 2020年04月02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

题干中写了“start saving from now”，所以前14笔难道不应该是先付年金么？

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1 个答案

星星_品职助教 · 2020年04月02日

同学你好，

题干中并没有写“start saving from now”，题干中只有“ tuition fee for four years starting 15 years from now”，这是四笔现金流从N=15时间点开始付的意思，有现金流的时间点是15,16,17,18。跟“前14笔”无关。

前14笔题干写的很明确是“will make payments at the END of each year”，所以是后付年金的概念。

 

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