黃同學
2017-03-09 16:39A client can choose between receiving 10 annual $100,000 retirement payments, starting one year from today, or receiving a lump sum today. Knowing that he can invest at a rate of 5 percent annually, he has decided to take the lump sum. What lump sum today will be equivalent to the future annual payments? 老師，書本中的這道例題，為什么答案不是按照先付年金算呢？我的計算器是調(diào)整到BGN模式，n=10，I/Y=5，PMT=100000，F(xiàn)V=0，PV=810782.1676。但是答案是按照后付年金。題目中的starting one year from today，到底該如何理解呢？
所屬： 視頻位置 相關(guān)試題
來源： 視頻位置 相關(guān)試題
1個回答
金程教育顧老師助教
2017-03-10 09:22
該回答已被題主采納
學員你好，這道題求的就是普通年金的現(xiàn)值，starting from one year from today意思就是從一年后開始，也就是說第一筆現(xiàn)金流發(fā)生在第一年年末，也即普通年金的定義。
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