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孙艺铭 · 2020年07月19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

第一步应该用BGN吧，都是先交学费再上学啊，所以应该是N=4，IY=5.5，PMT=-22000,FV=0，PV=81354.53。

第二部是END，N=14，IY=5.5，PMT=0，FV=-81354.53，PV=38445.66。

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1 个答案

星星_品职助教 · 2020年07月19日

同学你好，

是否是先付年金要看题干说明，题干明确说 了是先付才是先付，如果题干没给出提示，就是后付，不需要自行判断。

对于本题而言，第一步不需要判断先付还是后付的问题，题干中描述“..... for four years starting 15 years from now”，指的就是这四笔学费从N=15开始付。所以时点已经给了，分别是15,16,17,18，对应计算即可。

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