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chuziyang · 2022年04月03日

FV問題

  1. CFA I
  2. Quantitative

NO.PZ2015120604000004

问题如下：

If an investor want to earn $10,000 in twenty years from now and we assume the interest is 6% constantly. The amount the investor should invest now is closest to:

选项：

A.

$3,118

B.

$3,207.

C.

$4,970.

解释：

A is correct.

N = 20; I/Y = 6; FV = -10,000; PMT = 0; CPT PV = $3,118.05

請問題目中 「earn $10,000」，意思應該是賺到10,000元？而FV應該等於(本金+10000元），如果直接FV=10,000, 那其中還有一部分應該是包含了本金(3118)，其實真正賺到的只有(10,000-3118)?

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星星_品职助教 · 2022年04月03日

同学你好，

3,118.05和10,000是位于不同时点的同一笔现金流。换而言之，这笔线在现在就是3,118.05，随着复利效应不断增长，到第20年就变成了10,000。

这道题题干的理解应为：现在需要有多少钱，这笔钱才能在20年后变成10,000.

所以10,000就是FV，不能再扣减3,118.05。

另，不同时点的现金流也不能直接相加减。

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