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Alicess · 2020年06月22日

问一道题：NO.PZ2015120604000004 [ CFA I ]

  1. CFA I
  2. Quantitative

问题如下：

If an investor want to earn $10,000 in twenty years from now and we assume the interest is 6% constantly. The amount the investor should invest now is closest to:

选项：

A.

$3,118

B.

$3,207.

C.

$4,970.

解释：

A is correct.

N = 20; I/Y = 6; FV = -10,000; PMT = 0; CPT  PV = $3,118.05

老师为什么FV是负数
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1 个答案

星星_品职助教 · 2020年06月23日

同学你好，

计算货币时间价值时，正负号并不真正代表“正负”，而只代表方向，以本题为例，如果从被投资方角度出发，期末需要给投资者10,000（流出），FV就是负的。但这个时候被投资方前期是收到钱的，所以PV就是正的（流入）

但如果从投资者角度出发，期末会受到10,000（流入），FV就为正，但求出来PV就为负（前期投入，流出）

所以PV/FV的正负号主要看是从谁的角度出发，只要角度确定了，那么方向随之设置就可以，结果不会变化。

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