请问这里折现率 I/Y为什么是2.42%
问题如下图：
选项：
A. 
B. 
C. 
解释：
王暄_品职助教 · 2020年09月02日
嗨，爱思考的PZer你好：
因为Case中提到了，living expense grow at 3.5% annually，所以PMT是每年增长的。我们为了固定PMT，所以保持PMT=500,000，也就是意味着这个PMT是real term，那么分子分母要保持相同，都是real term，所以把discount rate也调成real term，即6%-3.5%=2.5%(你也可以用答案里的方法用1.06/1.035=2.42%，两种算法都会判你对的)
-------------------------------努力的时光都是限量版，加油！
NO.PZ201704060100000302问题如下Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to:A.A$0.B.A$331,267.C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 计算妻子的工资现值时为什么使用先付年金
NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 请问本题哪里看出要用nee analysis metho不是用humlife value metho
NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 1、family expense是95000，且每年下降3000，那么每年的PMT要减3000，一共要减去多少年2、为什么在本次计算中，不考虑family expense
NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 请问这两个两件为什么没有考虑进来？The family’s living expenses are currently A$95,000 per year，Family living expenses will cline $30,000 per year。
NO.PZ201704060100000302 问题如下 Baseon the given assumptions anthe ta in Exhibit 1, the aitionamount of life insurancoverage neeis closest to: A.A$0. B.A$331,267. C.A$2,078,101. B is correct. The aitionamount of life insurancoverage neeis calculatethe ₤erenbetween the family’s totfinancinee antotcapitavailable. Totfinancinee are calculatefollows.Capitnee are terminethe present value of annuity e: growth rate = 3.5%, scount rate = 6.0%. Growth of payments is incorporateausting the scount rate to account for the growth rate of earnings. long the scount rate is larger ththe growth rate, the austerate i ccalculatefollows: [(1 + scount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%. 如题。