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leoli · 2022年08月30日

这题求学费为什么不是用BGN？学费是每年年初付的呀？

  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

这题求学费为什么不是用BGN？学费是每年年初付的呀？

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星星_品职助教 · 2022年08月30日

同学你好，

对于本题而言，需要按照现金流来计算。这道题中的“... starting 15 years from now”标明了现金流的时间点。即无论学费是先付还是后付，四笔现金流的时间点都已经确认在了15,16,17,18四个时点。

此后将这四笔现金流折现到14时点，和从0时点开始的14笔PMT相接，按计算器CPT PMT即可。相当于A.J这个人连续存14年钱，从第15年开始，用积累的本息和开始逐年付四年的学费。

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对于其他的题目，只要题干中不明确提供先付年金的条件，都按照后付年金来处理，不能自己进行主观判断。

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