資金的時(shí)間價(jià)值(2)(完整版)
【正文】 000()3 + $1,000()2 + $1,000()1 = $1,225 + $1,145 + $1,070 = $3,440 先付年金 FVAD例 $1,000 $1,000 $1,000 $1,070 0 1 2 3 4 FVAD3 = $3,440 年初 7% $1,225 $1,145 329 FVADn = R (FVIFAi%,n)(1+i) FVAD3 = $1,000 (FVIFA7%,3)() = $1,000 ()() = $3,440 查表計(jì)算 III Per io d 6% 7% 8%1 0 0 02 0 0 03 4 5 64 5 0 65 7 1 7330 PVAn = R/(1+i)1 + R/(1+i)2 + ... + R/(1+i)n 普通年金現(xiàn)值 PVA R R R 0 1 2 n n+1 PVAn R: 每年現(xiàn)金流 年末 i% . . . 331 單個(gè)現(xiàn)金流 0 1 2 3 4 5 $600 $600 $400 $400 $100 10% $ $ $ $ $ $ = PV0 332 分組年金 ?(1) 0 1 2 3 4 5 $600 $600 $400 $400 $100 10% $1, $ $ $1, = PV0 [查表 ] $600(PVIFA10%,2) = $600() = $1, $400(PVIFA10%,2)(PVIF10%,2) = $400()() = $ $100 (PVIF10%,5) = $100 () = $ 333 分組年金 ? (2) 0 1 2 3 4 $400 $400 $400 $400 PV0 = $. 0 1 2
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