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xinyuaaa · 2019年04月18日

问一道题：NO.PZ2015120604000170

  1. CFA I
  2. Quantitative

问题如下图：

    

选项：

A.

B.

C.

解释：


第一步理解，不理解第二步，第二步为什么也要用年金，我直接用77113.2/（1+5.5%）14，就是现在存一笔钱，前14年复利，从题目中哪里看出是每年存一笔呢？

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2 个答案

菲菲_品职助教 · 2019年04月22日

同学你好，说的并不是学费的每年支付，而是存款的每年支付。因为是接在存款利率这句话后面说的。

菲菲_品职助教 · 2019年04月21日

同学你好，题目里面也说啦，如果存款账户的利率是5.5%，AJ会在每年末存款，所以题目其实想表达的意思是，AJ每年要存多少钱才可以在十五年后支付孩子的学费的意思。

xinyuaaa · 2019年04月21日

我看到那句话了 说的是make payments at the end of each year，make payments是支付的意思呀，说的不是那四年在年底支付吗？哪里可以看出前14年需要每年存款呢

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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。

2023-07-21 11:57 1 · 回答

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2023-06-08 19:57 1 · 回答

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.$3,441.23 B.$3,800.07 C.$4,009.08 B 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 除非北美那边学费是年末付的。 这个显然不符合常理吧。是不是算4年学费现值应该选年初支付呢。因为这个是有差异的呀。

2023-04-22 10:01 1 · 回答

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.$3,441.23 B.$3,800.07 C.$4,009.08 B 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 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ENN=14,I/Y=5.5,PV=0,FV=-81354,

2023-02-03 14:57 2 · 回答

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2022-12-19 14:01 3 · 回答