Evelyne 王雪凝 · 2022年05月01日
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
请问这道题如何理解呢？
星星_品职助教 · 2022年05月02日
同学你好，
an investor want to earn $10,000 in twenty years from now这个条件说明了20年后要赚到10,000。所以FV是10,000，N是20；
assume the interest is 6% constantly.说明I/Y是6；
没有提到PMT，即PMT=0；
最后问的是The amount the investor should invest now，就是求PV的过程。
将上述内容逐项输入计算器第三排中，即可得到N = 20; I/Y = 6; FV = 10,000; PMT = 0; CPT PV = -3,118.05，正负号只代表方向，最后结果取绝对值。
NO.PZ2015120604000004 问题如下 If investor want to earn $10,000 in twenty years from now anwe assume the interest is 6% constantly. The amount the investor shoulinvest now is closest to: A.$3,118 B.$3,207. C.$4,970. A is correct.N = 20; I/Y = 6; FV = -10,000; PMT = 0; CPT PV = $3,118.05 为什么不是按天计算复利？
NO.PZ2015120604000004 问题如下 If investor want to earn $10,000 in twenty years from now anwe assume the interest is 6% constantly. The amount the investor shoulinvest now is closest to: A.$3,118 B.$3,207. C.$4,970. A is correct.N = 20; I/Y = 6; FV = -10,000; PMT = 0; CPT PV = $3,118.05 老师您好，constantly是连续计息的意思，不应该是永续年金的算法吗？
NO.PZ2015120604000004问题如下If investor want to earn $10,000 in twenty years from now anwe assume the interest is 6% constantly. The amount the investor shoulinvest now is closest to: A.$3,118 B.$3,207. C.$4,970. 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)?
NO.PZ2015120604000004 FV=PV(1+R)N 可以用来做这道题吗？
