财管预科3（Financial management foundation 3）.docVIP

财管预科3（Financial management foundation 3） (2) immediate annuity Payable amount of annuity formula: F=A * (F/A, I, n) * (1I) Or = A * [(F/A, I, n+1) -1] At present value of annuity formula: P=A * (P/A, I, n) * (1I) Or = A * [(P/A, I, n-1) +1] Methods 1: 0123 A A A F = F * P (1+i) P = P * P (1+i) Methods 2: The calculation of the amount of annuity payable In the 0 months before the dummy period, assuming that the starting point for the 0 , but at the end of third, a dummy deposit, which can meet the characteristics of ordinary annuity, then the deposit deduction. Payable amount of annuity coefficient and the amount of ordinary annuity coefficient: +1, coefficient -1. The calculation of the present value of annuity due The first phase will first pay, as N-1 ordinary annuity, then add the first payment. At present value of annuity coefficient and ordinary annuity factor: -1 coefficient +1. 0123 A A A P =A * (P/A, I, 2) +A [=A * (P/A, 10%, 2) +1] So: P =A * [(P/A, I, N-1) +1] [10] for example? The calculation problem of funds to prepare for his son to college, Mr. Wang for 6 consecutive years at the beginning of each year in the bank 3000 yuan. If the bank deposit rate is 5%, while Mr. Wang can take out a profit and how much money at the end of sixth? [answer] 1:F=3000 * (F/A, 5%, 6) * (1+5%) =3000 * 6.8019 * (1+5%) =21426 (yuan) Methods 2:F=A[(F/A, I, n+1) -1] [=3000 * (F/A, 5%, 7) -1] =3000 * (8.1420-1) =21426 (yuan) [11] calculation examples? Dr. Lee is a well-known expert in the field of domestic listed companies, one day received a letter of invitation, invite him as adviser, to guide the development of new products. The following specific conditions of invitation: (1) every month to guide the work of the company one day; (2) the annual fee of 100 thousand yuan; (3) the company is located in A City, provide a set of housing, the value of 800 thousand yuan; (4) in the company for at least 5 years. Dr. Lee is very interested in the work of the above treatment, new prod