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刘茜娅 · 2022年03月08日

判断BGN

  1. CFA I
  2. Quantitative

NO.PZ2018062016000008

问题如下：

Mr Swan has an annuity which payments occurs at the beginning of each year. The annuity has an annual interest rate of 5%, each payment is $500 and last for 10 years. The present value of the annuity is closest to:

选项：

A.

$3897.99

B.

$4053.91

C.

$4216.07

解释：

B is correct. Put the calculator in the BGN mode, input data: N=10, I/Y=5, PMT=500, FV=0, calculate the PV=-4053.91. Therefore the present value of the annuity is $4053.91.

这道题判断BGN的那个关键词就是at the beginning of the year对吗？

还有那些关键词可以判断其是先付年金呢？除了明确写出annuity due的

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星星_品职助教 · 2022年03月08日

同学你好，

本题根据at the beginning of the year判断出为先付年金。类似的说法还有“today”、“now”等，核心原则就是首笔现金流在0时点而非1时点发生。

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NO.PZ2018062016000008 问题如下 Mr Swhannuity whipayments occurs the beginning of eayear. The annuity hannuinterest rate of 5%, eapayment is $500 anlast for 10 years. The present value of the annuity is closest to: A.$3897.99 B.$4053.91 C.$4216.07 B is correct. Put the calculator in the BGN mo, input tN=10, I/Y=5, PMT=500, FV=0, calculate the PV=-4053.91. Therefore the present value of the annuity is $4053.91. 就是我明明是年金 存钱，为啥到最后FV =0；我计算时是按照PV =0 求FV 算的但看了答案，是FV= 0 求的PV自己就不太理解，明明是存钱，为啥FV=0

2022-12-15 14:44 1 · 回答

NO.PZ2018062016000008 问题如下 Mr Swhannuity whipayments occurs the beginning of eayear. The annuity hannuinterest rate of 5%, eapayment is $500 anlast for 10 years. The present value of the annuity is closest to: A.$3897.99 B.$4053.91 C.$4216.07 B is correct. Put the calculator in the BGN mo, input tN=10, I/Y=5, PMT=500, FV=0, calculate the PV=-4053.91. Therefore the present value of the annuity is $4053.91. 为什么这里的FV可以按成0来算？

2022-08-29 15:39 1 · 回答

$4053.91 $4216.07 B is correct. Put the calculator in the BGN mo, input tN=10, I/Y=5, PMT=500, FV=0, calculate the PV=-4053.91. Therefore the present value of the annuity is $4053.91.老师我设置BGN模式总是算不出来正确的数。我算出来总是-4907.6，为什么啊 好奇怪，好几道题都这样。

2020-02-27 23:48 1 · 回答