复利及年金计算方法公式（Formula for compound interest and annuity calculation）.docVIP

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复利及年金计算方法公式（Formula for compound interest and annuity calculation）.doc

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复利及年金计算方法公式（Formula for compound interest and annuity calculation）

复利及年金计算方法公式（Formula for compound interest and annuity calculation） Formula for calculating general annuity The final value of an ordinary annuity: F=A[(1+i) ^n-1]/i or: A (F/A, I, n) The present value of an ordinary annuity: P=A{[1- (1+i) ^-n]/i} or: A (P/A, I, n) Example 3 bank deposits 20 thousand yuan each year, compound interest 8%, 5 years, ask how much discount value? Solution: A = 20 thousand, I = 8%, n = 5, P P = A{[1- (1+i) ^-n]/i} = 20 thousand * (1, 18%) ^5 / 8%. Look-up table [1 - (1 + 8%) ^ - 5] / 8% = 3.993 P = 20 thousand * 3.993 = 79 thousand and 860 Investment recovery: A=P/{[1- (1+i) ^-n]/i} or: P (A/P, I, n) Is the inverse calculation of the present value of an ordinary annuity, which is the present value of the known annuity and the annuity. The reciprocal of present value coefficient of annuity is the coefficient of investment recovery. Example 4, the existing 300 thousand yuan, once deposited in the bank, 5 years out of the year, compound interest 12%, ask how much at the end of each year? Solution: This is the present value inverted annuity. P = 300 thousand, I = 12%, n = 5, A. A=P/{[1- (1+i) ^-n]/i} = 300 thousand / 1 / (112%) ^5 / 12%. Look-up table [1 - (1 + 12%) ^ - 5] / 12% = 3.605 A = 300 thousand / 3.605 = 83 thousand and 218 yuan Annuity formula The term annuity refers to a series of payments, which is called the first payment, from the first stage to the beginning and the end of each period. The difference between a pay annuity and an ordinary annuity depends on the timing of payment. Formula for calculating general annuity The final value of an ordinary annuity: F=A[(1+i) ^n-1]/i or: A (F/A, I, n) The present value of an ordinary annuity: P=A{[1- (1+i) ^-n]/i} or: A (P/A, I, n) Formula for the calculation of the annuity at sight The final value of the required annuity: F=A{(1+i) ^ (n+1) -1]/i} or: A[(F/A, I, n+1) -1] Payable annuity: P=A{[1- (1+i) ^ (n+1)]/i+1} or A[(P/A, I, n-1) +1] Example: the conversion of an annuity to an ordina