[文商] 財管-年金問題

[yaevna (yaevna)]

1.Which of the following is not an annuity?

a. Paying on a fixed rate mortgage.
b. Payments on a car loan.
c. Lottery winnings of $50,000 per year paid on January 2 of each year.
d. A savings plan that takes $100 out of you pay check on the first of
   the month.
e. A pension that pays $1,200 per month, with a cost of living increase on
   the first of each year.

Ans:e

想請問選項c、d、e的敘述，能解釋一下嗎？！為什麼答案是e呢？

2.Marla borrows $4,500 at 12 percent annually compounded interst to be repaid
  in four equal annual installments. The actual end-of-year payment is:

a. $942  b. $1,125  c. $1,482  d. $2,641


謝謝～～～


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※ 發信站: 批踢踢實業坊(ptt.cc) 
◆ From: 220.228.251.160
推 kerota:1.e他的生活成本每年增加 影響到實際收到的現金流量
→ kerota:每年的現金流量不同 就不是年金了
→ kerota:c.贏樂透50000 分成每年在1月2號支付
→ kerota:d.每個月存100元..
→ kerota:2.答案是c , PMT*PVIFA(12%,t=4)=4500 ,PMT=1481.554963...
→ yaevna:謝謝你唷！我了解了^^