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胖婷肥周 · 2023年02月03日

这道题为什么不是选择C呢？

  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

15、16、17、18年需要交学费，那应该是年初交，所以计算机要调整成BGN，N=4,I/Y=5.5,PMT=22000,FV=0,得出折现到15年时候得PV=81354；

从现在0时刻开始，每年年末存一笔钱，到14年，一共存了14笔，计算机调整成END，N=14,I/Y=5.5,PV=0,FV=-81354,

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2 个答案

星星_品职助教 · 2023年05月07日

@要紧雅冠 本题并没有说学费是先付年金，不能自行假设。

星星_品职助教 · 2023年02月04日

同学你好， 时间点没有对上。第一步算出来的是15时间点的值，需要往前再折现一期才可以和第二步的14期对上。

要紧雅冠 · 2023年05月06日

我也觉得这道题选C。 学费肯定都是现付的，题目说了starting 15 years，可以理解为第15年开始交学费，加上学费是年初交的，所以在第一步计算的时候应该调成BGM模式。算出来的PV是81354. 第二步计算PMT的时候，调回END模式，即回归到正常情况下每年年底存钱，最后按计算器PMT为4009

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NO.PZ2015120604000170问题如下 A.J. plans to phis chils 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, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23B.$3,800.07C.$4,009.08B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07老师，我发现我做类似的题最容易做错的部分就是前面一个时间段短年份数，就像这道题，我就会按照15年来计算。

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2023-04-22 10:01 1 · 回答

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