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CFA菜鸟东 · 2021年04月27日

N不应该是18吗？为什么是14？

  1. CFA I
  2. Quantitative

NO.PZ2015120604000170

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 interest rate is 5.5% annually, and how much payment A.J. should make at the end of each year from now?

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

题目说15年开始需要从一个ACCOUNT里面支付，并且付四年

现在开始每年都往这个ACCOUNT里面存钱。她并没有说只存14年就不存了啊？不应该一直存到交最后一笔钱的时候嘛？

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星星_品职助教 · 2021年04月27日

同学你好，

做save和make payment的目的，就是为了在孩子上学的时候可以有足够的钱去支付这四笔学费。

所以当学费已经开始支出的时候，这时候反而再去存钱就没意义了。所以存钱只需要存到第14期就可以了。第15期开始支付了。

实际上所有的题目都不会有同时又存又取的问题。

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