跪求请教各位finance达人~关于PV of Money的

我爱我家

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!!!

Gooday

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

我爱我家

谢谢楼上的~终于算出来了!西西!

冰果伏特加

好心人啊.....................

趁我们还年轻

厉害。。。。