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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~

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