开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)|3.2.5(安卓)APP下载

Quadradinho · 2019年11月18日

问一道题:NO.PZ2018062016000013

问题如下:

You plan to set a saving account for 7 years which annual discount rate is 4% and compounded annually. Each year $500 cash is transferred into this account. What is the difference of account present value between transferring the cash at the beginning and at the end of each year?

选项:

A.

$500.00

B.

$120.04

C.

$115.42

解释:

B is correct. If the cash is transferred at the beginning, set the calculator in the BGN mode and input data: N=7, I/Y=4, PMT=500, FV=0, then PV=-3121.07. If the cash is transferred at the end, set the calculator in the END mode and input data: N=7, I/Y=4, PMT=500, FV=0, then PV=-3001.03. Therefore, the difference between the two methods is 3121.07-3001.03=$120.04.

可以直接算差额吗?相当于少了一个1+4%。500*(1+4%)的结果。

1 个答案

星星_品职助教 · 2019年11月18日

同学你好,

直接算差额是个非常好的思路。但差额不是500*(1+4%)。先付年金的现值PV BGN=PV END*(1+4%),(这也是上课时老师讲的计算器不用调到BGN模式的另一种先付年金现值的算法)。所以差额为PV BGN-PV END=PV END*4%。计算器算出PV END=3001.03,然后即可得出差额为120.04即B选项。

算差额的想法非常好。如果已经对于先付年金和后付年金很熟悉了,考试的时候可以直接算差额省时间。如果对于两种模式不熟,可以像答案解析那样先算一个先付,再算一个后付,直接做差,也能确保答案正确,加油~

  • 1

    回答
  • 1

    关注
  • 518

    浏览
相关问题

NO.PZ2018062016000013 问题如下 You plto set a saving account for 7 years whiannuscount rate is 4% ancompounannually. Eaye$500 cash is transferreinto this account. Whis the fferenof account present value between transferring the cash the beginning anthe enof eayear? A.$500.00 B.$120.04 C.$115.42 B is correct. If the cash is transferrethe beginning, set the calculator in the BGN mo aninput tN=7, I/Y=4, PMT=500, FV=0, then PV=-3121.07. If the cash is transferrethe en set the calculator in the ENmo aninput tN=7, I/Y=4, PMT=500, FV=0, then PV=-3001.03. Therefore, the fferenbetween the two metho is 3121.07-3001.03=$120.04. 这个题目出的,每年存500,FV为什么是0?

2023-03-01 21:43 2 · 回答

NO.PZ2018062016000013问题如下 You plto set a saving account for 7 years whiannuscount rate is 4% ancompounannually. Eaye$500 cash is transferreinto this account. Whis the fferenof account present value between transferring the cash the beginning anthe enof eayear?A.$500.00B.$120.04C.$115.42B is correct. If the cash is transferrethe beginning, set the calculator in the BGN mo aninput tN=7, I/Y=4, PMT=500, FV=0, then PV=-3121.07. If the cash is transferrethe en set the calculator in the ENmo aninput tN=7, I/Y=4, PMT=500, FV=0, then PV=-3001.03. Therefore, the fferenbetween the two metho is 3121.07-3001.03=$120.04.老师你好,这个为什么fv是0

2022-08-25 00:31 1 · 回答

NO.PZ2018062016000013问题如下You plto set a saving account for 7 years whiannuscount rate is 4% ancompounannually. Eaye$500 cash is transferreinto this account. Whis the fferenof account present value between transferring the cash the beginning anthe enof eayear?A.$500.00B.$120.04C.$115.42B is correct. If the cash is transferrethe beginning, set the calculator in the BGN mo aninput tN=7, I/Y=4, PMT=500, FV=0, then PV=-3121.07. If the cash is transferrethe en set the calculator in the ENmo aninput tN=7, I/Y=4, PMT=500, FV=0, then PV=-3001.03. Therefore, the fferenbetween the two metho is 3121.07-3001.03=$120.04.老师,我在这里的理解是PV=0 求future value 求老师纠正

2022-08-18 11:56 1 · 回答

NO.PZ2018062016000013问题如下You plto set a saving account for 7 years whiannuscount rate is 4% ancompounannually. Eaye$500 cash is transferreinto this account. Whis the fferenof account present value between transferring the cash the beginning anthe enof eayear?A.$500.00B.$120.04C.$115.42B is correct. If the cash is transferrethe beginning, set the calculator in the BGN mo aninput tN=7, I/Y=4, PMT=500, FV=0, then PV=-3121.07. If the cash is transferrethe en set the calculator in the ENmo aninput tN=7, I/Y=4, PMT=500, FV=0, then PV=-3001.03. Therefore, the fferenbetween the two metho is 3121.07-3001.03=$120.04.做一个a aving ac不是应该PV为0吗,为什么设FV为0?

2022-07-18 14:59 2 · 回答

NO.PZ2018062016000013 问题如下 You plto set a saving account for 7 years whiannuscount rate is 4% ancompounannually. Eaye$500 cash is transferreinto this account. Whis the fferenof account present value between transferring the cash the beginning anthe enof eayear? A.$500.00 B.$120.04 C.$115.42 B is correct. If the cash is transferrethe beginning, set the calculator in the BGN mo aninput tN=7, I/Y=4, PMT=500, FV=0, then PV=-3121.07. If the cash is transferrethe en set the calculator in the ENmo aninput tN=7, I/Y=4, PMT=500, FV=0, then PV=-3001.03. Therefore, the fferenbetween the two metho is 3121.07-3001.03=$120.04. 题干当中说存7年钱,算先付和后付的PV的差值,那后付就是第一年年初PV没钱呀,那PV应该是0吧,先付的时候就是在第一年年初付,那PV就是500呀,那差值应该是500呀。老师我这么想的话是哪里不对吗,为什么不能这么算呢?

2022-05-03 17:26 1 · 回答