为什么退休后需要的金额需要根据年金方式来求而不是直接用80000*25？

NO.PZ2023080903000045

问题如下：

A person aims to accumulate enough funds to sustain an annual expenditure of €80,000 throughout a 25-year retirement phase. To achieve this, the individual plans to make yearly end-of-year deposits of €6,608, starting at the conclusion of their working years. Assuming an annual compounding interest rate of 6% for all investments, what is the nearest minimum count of deposits needed to attain their retirement objective?

选项：

解释：

求退休后总花费的PV（相当于存款的FV），

PMT=80000; N=25，I/Y=6%, FV=0，求得PV=-1022668.49

求存款的N

FV=1022668.49; I/Y=6%；PV=0;PMT=-6608

求得N=40

下面是chatgpt的回答，我自己也是这么理解的为什么退休金额还需要用年金方式反算出来不能直接相乘？

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NO.PZ2023080903000045 问题如下 A person aims to accumulate enough fun to sustain annuexpenture of €80,000 throughout a 25-yeretirement phase. To achieve this, the inviplans to make yearly enof-yeposits of €6,608, starting the conclusion of their working years. Assuming annucompounng interest rate of 6% for all investments, whis the nearest minimum count of posits neeto attain their retirement objective? A.28 B.40 C.51 求退休后总花费的PV（相当于存款的FV），PMT=80000; N=25，I/Y=6%, FV=0，求得PV=-1022668.49求存款的NFV=1022668.49; I/Y=6%；PV=0;PMT=-6608求得N=40 1

2024-04-11 23:14 2 · 回答