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kekekeke · 2019年05月22日

问一道题：NO.PZ2015120604000170 [ CFA I ]

  1. CFA I
  2. Quantitative

问题如下图：

选项：

A.

B.

C.

你好老师，为什么4年的学费折线不用先付年金的形式来计算呀？学费不是应该每年年初开始付吗 解释：

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2 个答案

源_品职助教 · 2019年10月01日

如果用16年初的形式，那就等于，每一笔现金流都提前算了一期，所以在第一步中的里先值要除以单期利率。

源_品职助教 · 2019年05月22日

其实一样的。

16年的年初就是15年的年末。所以现付年金可以想象成后付年金进行计算。这样不需要调整计算器，得到的结果也是一样的。

不拉不拉123 · 2019年09月12日

那要是用16年的年初的方式来计算，是怎么样的一个公式？前面还是4年吗？

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NO.PZ2015120604000170问题如下 A.J. plans to phis chils tuition fee for four years starting 15 years from now. He estimates the fees is $22,000 per year. If the saving account interest rate is 5.5% annually, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23B.$3,800.07C.$4,009.08B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07老师，我发现我做类似的题最容易做错的部分就是前面一个时间段短年份数，就像这道题，我就会按照15年来计算。

2023-07-21 11:57 1 · 回答

NO.PZ2015120604000170问题如下 A.J. plans to phis chils tuition fee for four years starting 15 years from now. He estimates the fees is $22,000 per year. If the saving account interest rate is 5.5% annually, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23B.$3,800.07C.$4,009.08B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07为什么N是14题目不是说从现在开始的15年吗

2023-06-08 19:57 1 · 回答

NO.PZ2015120604000170 问题如下 A.J. plans to phis chils tuition fee for four years starting 15 years from now. He estimates the fees is $22,000 per year. If the saving account interest rate is 5.5% annually, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23 B.$3,800.07 C.$4,009.08 B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07 除非北美那边学费是年末付的。 这个显然不符合常理吧。是不是算4年学费现值应该选年初支付呢。因为这个是有差异的呀。

2023-04-22 10:01 1 · 回答

NO.PZ2015120604000170 问题如下 A.J. plans to phis chils tuition fee for four years starting 15 years from now. He estimates the fees is $22,000 per year. If the saving account interest rate is 5.5% annually, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23 B.$3,800.07 C.$4,009.08 B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07 15、16、17、18年需要交学费，那应该是年初交，所以计算机要调整成BGN，N=4,I/Y=5.5,PMT=22000,FV=0,得出折现到15年时候得PV=81354；从现在0时刻开始，每年年末存一笔钱，到14年，一共存了14笔，计算机调整成ENN=14,I/Y=5.5,PV=0,FV=-81354,

2023-02-03 14:57 2 · 回答

NO.PZ2015120604000170 问题如下 A.J. plans to phis chils tuition fee for four years starting 15 years from now. He estimates the fees is $22,000 per year. If the saving account interest rate is 5.5% annually, anhow mupayment A.J. shoulmake the enof eayefrom now? A.$3,441.23 B.$3,800.07 C.$4,009.08 B is correct.Step 1: N = 4, FV = 0, I/Y = 5.5, PMT = 22,000, CPT PV = -77,113.30Step 2: PV =0, N = 14, I/Y = 5.5, FV = 77,113.30, CPT PMT =-$3,800.07 这道题可以翻译下吗 我理解的是用15年每年定期存入的钱支付4年的学费，那么N就是等于15呀

2022-12-19 14:01 3 · 回答