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一只可爱的猪 · 2021年09月20日

想问一下这道题

  1. CFA III
  2. 个人IPS

NO.PZ2018091705000084

问题如下：

Jacques purchases a US$100,000 face value whole life policy has an annual premium of US$2,000, paid at the beginning of the year. Policy dividends of US$500 per year are anticipated, payable at year-end. A cash value of US$32,500 is projected for the end of Year 30. Jacques has a life expectancy of 30 years and a discount rate of 5%. The net payment cost index that Jacques calculate is closest to:

选项：

A.

$17.22.

B.

$16.89.

C.

$15.24.

解释：

C is correct.

考点: Net payment cost index

解析： The net payment cost index假设被保险人在30年后死亡。计算net payment cost index包括以下步骤:

这道题我明白了，但是我发现自己总是在正负号的时候搞错

比如139521.58指的是我付出去的钱，33219.42是我得到的钱（是负号）

那这个时候算我的支出

①不用管正负号，直接用139521.58-33219.42

②用正负号，用支出减去收入，139521.58-（-33219.42）=139521.58+33219.42

哪个方法是正确的，老师可以附上一定的解释吗

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1 个答案

王暄_品职助教 · 2021年09月22日

直接相减即可，用139521.58-33219.42

你可以思考，一笔支出，一笔得到，我要算其中差额，肯定是要相减的。

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