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WINWIN8 · 2018年07月24日

问一道题：NO.PZ2015120604000016 [ CFA I ]

  1. CFA I
  2. Quantitative

问题如下图：

    

选项：

A.

B.

C.

解释：


这道题的题干里描述说“ invests $180000 today" 那也就是t=0时刻就投了钱，那为什么这道题还是用后付年金而不是先付年金的方式来算呢？  同样的，NO.PZ2017092702000008 这这一道题里题干描述也说到了“ with the first payment occurring today" 这一道题就是用的先付年金的方式来算。 两道题一对比就有点懵了，望解答

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1 个答案

菲菲_品职助教 · 2018年07月25日

同学你好，这两题是不一样的。008那道题里面“ with the first payment occurring today"的这个payment是PMT，是未来固定的时间内定期要支付的一个金额，而这个年金是在每期的期初发生的，所以要用先付年金的方法。但这道题讲的是在今天投资18万，而不是说在未来固定的时间里定期的支付18万，所以这个18万就是PV，而不是PMT。这个先付年金和后付年金是取决于PMT所支付的时间。

加油~~

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