匿名
匿名 發問於 商業及金融其他 - 商業及金融 · 6 年 前

financial management

Imagine if you wish to save money for your future retirement. Beginning from today, you start to deposit a fixed amount into a retirement savings account that will earn 17.5% per year compounded monthly. You will make 360 such deposit in 30 years. Then, one year after making your final deposit, you will withdraw $125,000 annually for 20 years. During these 20 years, the fund will earn 12% per annum compounded weekly. What is the amount of the fixed monthly deposits for your retirement plan?

唔係好識做呢條數

有冇FM人可以教下我啊T^T

更新:

assume一年有52weeks

更新 2:

re: masterijk

我明你意思,

我自己都有少少confused..

你用你assumption計左先丫,thanks

3 個解答

評分
  • 6 年 前
    最佳解答

    我可以做,但你要搞清楚assumptions先。

    提錢的二十年,你要assume一年有多少星期? 50? 52?

    重點是 compare at time t = 30。

    deposit 計 future value, withdrawal 計 present value, compare at t = 30.

    2013-10-07 03:52:38 補充:

    還有一個小小的問題, 是annuity-due 和 annuity immediate的問題。

    如果照譯題目的意思, 有可能不是他想你計的意思。

    題目的意思是: start investing today, so the first deposit is made at time 0.

    2013-10-07 03:55:55 補充:

    Suppose time scale is in months, then the 360 deposits are made at time 0, 1, 2, ..., 359.

    AND, the problem is, is that the first withdrawal is really made at time 359+12 = 371?

    個尷尬位係題目話"one year after making your final deposit, you will withdraw $125,000 annually for 20 years."

    2013-10-07 03:58:33 補充:

    因為正常的題目, 佢withdrawal會係at time 372, 384, 396, ...

    即係exactly係年尾, 或年頭, 但以上的算法則會出現於正常一年的第十一個月。

    我唔sure你明唔明我的意思, 但題目的字眼用得不是太好, 會容易引起誤會。

    我即管用我的assumption去計算, 原則不會錯, 但你要小心以上所說那一個月的些微差別。

    簡單來說, 我要確定 360 個deposit 和 20 個 withdrawal 係 timeline 上的位置。

    呢個唔係計算的問題, 而係理解的問題。

    2013-10-07 04:28:45 補充:

    OK, 差唔多打好~

    我好快就會 post 出黎~

    你都做到幾夜喎~

    ^_^

    2013-10-07 04:44:19 補充:

    客氣啦~

    正如剛才所說,其實題目係應該要講得清楚一點~

    因為呢d野,理解上的些微的差別就已經絕對會影響個計算結果。

    不過你學得呢d野,你都應該已經係大專生啦~

    最緊要你明白個concept,跟住一d微調的野可以自己處理~

    =^o^=

    努力啦!

    〔如果圖太小,可以right-click另開視窗看圖。〕

    圖片參考:http://imgcld.yimg.com/8/n/HA00430218/o/2013100704...

    2013-10-07 21:31:24 補充:

    Veronica:

    嗯,因為有事情要趕忙做~

    你都要保重~

  • 6 年 前

    Masterijk 禁夜訓!?

  • 匿名
    6 年 前

    http://***** 這家不錯超3A品質,買幾次啦,跟真的一樣。

    匶俘厗

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