我想問一條關於Finance accounting既問題.
Assume that it is now 1 January,2010, and you will need $100,000 on January1,2013.
To achieve 50%of this goal, your father offers to give you a lump sum today.
For the remaining 50%, you will get a part-time job and make 6 additional payments of equal amounts each 6 months thereafter.
All of this money will be deposited in a bank which pays 8 percent per annum, compounded semiannually.
(i) What is the amount your father should offer to you today?
(ii) What is the amount of each of the 6 payments from your part time job?
Finance accounting 問題一條 (20點)
2010-12-30 5:50 am
回答 (2)
2010-12-30 10:20 pm
✔ 最佳答案
(i) What is the amount your father should offer to you today?Future Value/(1+i)^t
=50000 / (1 + 0.08/2)^6
=39515.73(ii) What is the amount of each of the 6 payments from your part time job?
Future Value = [(1+r)^n -1]/r x part-time income
50000 = (1.04^6-1)/0.04
Payment = 7538.1
2010-12-30 18:14:02 補充：
我想問下點解第二條要再除0.04? (唔好意思呀,因為我係用查table計)
This is the formula to calculate the regular payment and future value.
i.e. payment x [(1+r%) + (1+r%)^2 + (1+r%)^3 + .. + (1+r%)^n]
[(1+r%) + (1+r%)^2 + (1+r%)^3 + .. + (1+r%)^n] = [(1+r)^n -1]/r
2010-12-30 10:08 pm
i) To get $500,000 in 13 years = $500000 / (1+(8%/2)) ^ 26 = $180,345
ii) To get $500,000 in 12.5 years = $500000 / (1+(8%/2)) ^ 25 = $187,558
Divide by 6 months = $31,260 per month during the first 6 months.
2010-12-30 22:33:39 補充：
Corrections: Not $500,000. Should be $50,000. The answers still correct, just divide by 10. i) $18034. ii) $3126.
ii) To get $500,000 in 12.5 years = $500000 / (1+(8%/2)) ^ 25 = $187,558
Divide by 6 months = $31,260 per month during the first 6 months.
2010-12-30 22:33:39 補充：
Corrections: Not $500,000. Should be $50,000. The answers still correct, just divide by 10. i) $18034. ii) $3126.
收錄日期: 2021-04-13 17:43:49
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