问题如下:
Grandparents are funding a newborn’s future university tuition costs, estimated at $50,000/year for four years, with the first payment due as a lump sum in 18 years. Assuming a 6% effective annual rate, the required deposit today is closest to:
选项:
A. $60,699.
B. $64,341.
C. $68,201.
解释:
B is correct.
First, find the present value (PV) of an ordinary annuity in Year 17 that represents the tuition costs: = $50,000 × 3.4651 = $173,255.28. Then, find the PV of the annuity in today’s dollars (where FV is future value):
PV0 = $64,340.85 ≈ $64,341.
请问我在第一步求出PV=173255.48 在第二步我用N=17 1/Y=6 PV=0 FV=173255.48 但是算出来PMT=6140.99 请问是哪里算错了吗谢谢