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标题: 跪求请教各位finance达人~关于PV of Money的 [打印本页]

作者: 我爱我家 时间: 2010-4-9 21:19:02 标题: 跪求请教各位finance达人~关于PV of Money的

老师没给model answer,头疼啊,完全不知道怎么着手...各位前辈们能帮帮忙吗?

1. a 25 years old investor plans to retire at 60. she wants secure 25,000 yearly income till she is 80. She has a pension plan that guarantees 5%. How much should she contribute? Assume that all payments are at the end of each year

2. your opportunity cost of funds is 12%. Would you finance a $20,000 car at 6% a year for two years (monthly payments) or would you take a $1500 rebate?

跪求答案~~~无敌感激!!!

作者: Gooday 时间: 2010-4-10 12:18:19

题一可以把时间轴定在60岁的时候也就是35年后先求出YEAR35-YEAR55(60岁到80岁)每年PMT25000的PV,也就是PMT在60岁时候的PV,也就是现在(25岁)到60岁每年要存的全部PMT的FV~ 然后就可以算出25岁-60岁的PMT了也就是每年要contribute的量

第二题先求出这个贷款的每期PMT,注意是monthly的,然后用cost of funds12%p.a.discount求出全部PMT的PV, 跟(20000-1500)比哪个低就accept哪个咯

作者: 我爱我家 时间: 2010-4-12 16:58:25

谢谢楼上的~终于算出来了!西西!

作者: 冰果伏特加 时间: 2010-5-2 00:10:38

好心人啊.....................

作者: 趁我们还年轻 时间: 2010-5-4 23:25:57

厉害。。。。

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