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Y.K · 2021年08月19日

这题离谱，选900一个季度算出来需要72年才能拿到7万

  1. CFA I
  2. Quantitative

NO.PZ2018062016000012

问题如下：

David is going to retire in ABC company. The company has two retirement plans: Plan A is a one-time total retirement fund of $70,000, Plan B is a perpetuity of $900 at the end of each quarter that stated annual rate is 5% and compounded quarterly. Which plan should David choose?

选项：

A.

There is no difference

B.

Plan A

C.

Plan B

解释：

C is correct. The present value of Plan B is $900/(5%/4)=$72,000, which is larger than $70,000, the present value of Plan A. Therefore, David should choose Plan B.

就算退休的早，也不至于退休了还能活72年吧

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1 个答案

星星_品职助教 · 2021年08月19日

同学你好，

①从考试的角度出发，这道题是比较两种产品的PV，谁大选谁。直接做就可以。这个思路我觉得你应该是已经会做了。

②问题中提出来的“72年”我觉得是不对的，但我不知道你的计算过程，所以无从得知哪一步出了问题。

所以如果从这道题目本身出发，只看①的思路就可以，问题可以结束；如果比较有兴趣，可以在评论中回复一下得出“72年”的详细计算过程。

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