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milinghan · 2025年06月13日

没看懂解题步骤

NO.PZ2025010601000068

问题如下:

In the United States, each spouse can gift up to $ 20,000 per year to anyone without incurring any tax. Jesse wants to transfer as much of his wealth as possible to his heirs in a tax-efficient way.

Assume the following:

Nominal return is 10% annually.

Capital gains tax rate is 20%, assessed annually at year end.

Annual inflation rate is 6%.

选项:

Determine the real after-tax value of the gifts at the end of the 20-year horizon.

A.

$247,833

B.

$495,666

C.

.$1,260,050

解释:

B is correct. Using the assumptions given, the real after-tax investment return over the period is approximately 2.0% annually: (10% × (1 0.2) ) 6% = 2%

Therefore, the real after-tax value of the gifts is $ 495,666, as follows:

20, 000 × (1.02)×[(1.02)20-1]/0.02=495,666

请老师详细说明解题思路,每一步怎么思考的,如何理解答案,谢谢!

1 个答案

费费_品职助教 · 2025年06月13日

嗨,爱思考的PZer你好:


同学你好

不用这个公式也可以,按照下面的方法更好理解


我们要求FV,按计算器,其中:

I/Y=2%--------这一步是需要计算的,(10% × (1 − 0.2) ) − 6% = 2%,因为要计算the real after-tax value ,折现率需要匹配

n=20

PMT=20,000

PV=0

BGN模式

就可以得到FV=495666

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努力的时光都是限量版,加油!

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