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Susie · 2023年04月20日

这题计算器摁法步骤可以详细说一遍吗？为什么计算出来是几百

  1. CFA I
  2. Quantitative

NO.PZ2022123001000005

问题如下：

A couple plans to pay their child’s college tuition for 4 years starting 18 years from now. The current annual cost of college is C$7,000, and they expect this cost to rise at an annual rate of 5 percent. In their planning, they assume that they can earn 6% annually. How much must they put aside each year, starting next year, if they plan to make 17 equal payments?

选项：

A.$2,221.58 B.$2,300.78 C.$3,038.74

解释：

Step1: calculate the CF since 18,

CF18=7000*(1+5%)18 =16846, CF19=7000*(1+5%)19 =17689,…

Step 2: PV of tuition (4 CF since 18) at year 17

C$16,846 (1,06)-1 + C$17,689 (1.06)-2 + C$18,573 (1.06)-3 + C$19,502 (1.06 )-4 =$62,677

Step 3: Calculate PMT

Input FV=C$62,677, PV=0, I/Y=6, N=17, then CPT PMT= C$2,221.58

In summary, the couple will need to put aside C$2,221.58 each year if they start next year and make 17 equal payments.



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1 个答案

星星_品职助教 · 2023年04月21日

同学你好，

答案解析中的公式和计算器按法都是正确的。如果对于其中某个步骤有疑问，可以具体就该步骤提问。

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