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kk104104
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問數 依道實有人識答 教教路 人氣: 1173 回覆: 5


Suppose your job pays your salary at the end of every year. You will receive $60,000 at the end of this year. Your salary will rise at 6 percent per year throughout your career. You have 40 years left until retirement. Your bank offers you 8 percent annual interest rate.
If you begin depositing 4 percent of your annual salary in the bank account, how much money will you have on the date of retirement?
    Time          0          1         2         .......           39            40
Salary Receive  0       60000     60000(1.06)             60000(1.06)^38  60000(1.06)^39
$ deposit         0      60000(1.06)(0.04)     60000(1.06)^2(0.04)    ........ 60000(1.06)^38(0.04)  60000(1.06)^39(0.04)
FV of $ =      60000(0.04) [ (1.08)^39 + (1.08)^38(1.06) +    .....  +  (1.08)(1.06)^38 + (1.06)^39 ]
想問下咁樣計岩唔岩?
1.081.06果堆次方野點solve?
= = 唔好教我一個一個禁出黎OMG
需唔需要用到financial caltor?
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stanly9988 (STANLY)
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1樓提及
Suppose your job pays your salary at the end of every year. You will receive $60,000 at the end of this year. Your salary will rise at 6 percent per year throughout your career. You have 40 years left until retirement. Your bank offers you 8 percent annual interest rate.
If you begin depositing 4 percent of your annual salary in the bank account, how much money will you have on the date of retirement?
Time 0 1 2 ....... 39 40
Salary Receive 0 60000 60000(1.06) 60000(1.06)^38 60000(1.06)^39
$ deposit 0 60000(1.06)(0.04) 60000(1.06)^2(0.04) ........ 60000(1.06)^38(0.04) 60000(1.06)^39(0.04)
FV of $ = 60000(0.04) [ (1.08)^39 + (1.08)^38(1.06) + ..... + (1.08)(1.06)^38 + (1.06)^39 ]
想問下咁樣計岩唔岩?
1.081.06果堆次方野點solve?
= = 唔好教我一個一個禁出黎OMG
需唔需要用到financial caltor?

有公式, 亦都可以用EXCEL計
http://www.financeformulas.net/F ... rowing-Annuity.html
下次自己搵啦, GOOGLE + WIKI基本上可以解決九成九學業問題
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greatsoup
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即是
= 60,000*0.04 ((1+0.08)^40 - (1+0.06)^40)/ (0.08-0.06)
= 1,372,656,427
吹水可以去吹水龍鳳區膠區,睇文去文章區,睇股去股區,有問題去版務區,寫Blog 就開realblog


http://realforum.zkiz.com/viewforum.php?fid=148
~greatsoup
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kk104104
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119.247.49.102
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唔該兩位大佬
題外話問一問,
淨係得個CASE想SEARCH番FORMULA
你SEARCH future value跟住一個一個formula睇下岩唔岩用?
定係你記得依個case係咁
系統輔導員
greatsoup
rbenabled
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123.203.72.56
金錢: 238414.21
帖數: 235290
GP: 4202
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4樓提及
唔該兩位大佬
題外話問一問,
淨係得個CASE想SEARCH番FORMULA
你SEARCH future value跟住一個一個formula睇下岩唔岩用?
定係你記得依個case係咁


當然視乎情況
吹水可以去吹水龍鳳區膠區,睇文去文章區,睇股去股區,有問題去版務區,寫Blog 就開realblog


http://realforum.zkiz.com/viewforum.php?fid=148
~greatsoup
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stanly9988 (STANLY)
rbenabled
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221.127.122.115
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4樓提及
唔該兩位大佬
題外話問一問,
淨係得個CASE想SEARCH番FORMULA
你SEARCH future value跟住一個一個formula睇下岩唔岩用?
定係你記得依個case係咁


呢種數得四種可能性,annuity, perpetuity, growing annuity,growing perpetuity
http://en.wikipedia.org/wiki/Time_value_of_money
識左基本先去計數,知道基本野打keyword就好快搵到FORMULA

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