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菡萏琼琚 · 2022年05月03日

老师后付年金的PV为什么不是零呢

NO.PZ2018062016000013

问题如下:

You plan to set a saving account for 7 years which annual discount rate is 4% and compounded annually. Each year $500 cash is transferred into this account. What is the difference of account present value between transferring the cash at the beginning and at the end of each year?

选项:

A.

$500.00

B.

$120.04

C.

$115.42

解释:

B is correct. If the cash is transferred at the beginning, set the calculator in the BGN mode and input data: N=7, I/Y=4, PMT=500, FV=0, then PV=-3121.07. If the cash is transferred at the end, set the calculator in the END mode and input data: N=7, I/Y=4, PMT=500, FV=0, then PV=-3001.03. Therefore, the difference between the two methods is 3121.07-3001.03=$120.04.

题干当中说存7年钱,算先付和后付的PV的差值,那后付就是第一年年初PV没钱呀,那PV应该是0吧,先付的时候就是在第一年年初付,那PV就是500呀,那差值应该是500呀。

老师我这么想的话是哪里不对吗,为什么不能这么算呢?

1 个答案
已采纳答案

星星_品职助教 · 2022年05月03日

同学你好,

先付和后付的区别在于PMT的时间点。本题的500是PMT的概念,并不是PV。

PV是所有PMT现金流的折现值,即本题要考虑所有的7笔PMT,不能只考虑第一笔。

所以需要在先付和后付模式下各自算出一个PV,然后做减法。

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