陈同学2018-07-20 17:25:02
陈同学A couple plans to pay their child's college tuition for 4 years starting 18 years from now.The current annual cost of college is C$7000,and they expect this cost to rise at an annual rate of 5 percent.In their planning,they assume that they can earn 6 percent annually.How much must they put aside each year,starting next year,if they plan to make 17 equal payments?
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张玮杰2018-07-20 17:55:52
张玮杰同学你好，这题是个组合年金，首先，一般我们说学费是先付年金，但是这题里的学费是用后付做的，是因为题目说了，他要做17比payment，这个时间点是和学费开始的18年年初是重合的，因为我们折现都是站在0时刻看，那么两个后付年金组合在一起是OK的。就直接用计算器那五个键来算两次，把后面思念的PV当做前面17年的FV，去计算PMT。
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