You are currently age 20, you will start work at 25 and work until age 65, then you will retire and live until age 90. you spend $30,000 per year to live now(in today's dollars). your wish is to have the same amout to spend in retirement( same lifestyle). Inflation will be 2% ( compounded annually) all the time and you can save and invest money at 6%( compounded semi-annually) all the time. how much do you need to save each month starting at age 25 to age 65(same amout each time) in order to have a nice retirement? 相关公式:future value=payment[(1+i)*n-(1+g)*n/i-g]present value=payment[1-(1+g)*n(1+i)*-n/i-g]
你现在20岁,25岁开始工作,65岁退休,90岁死亡。你每年花30,000元,(在如今的通胀)你希望你能拥有相同的花费当你退休以后(应该是说,退休以后依然能每年花上这么多钱)。通胀率2%每年,你可以获得6%的节约和投资回报率。(按每半年计算)。在你25岁到65岁期间每月要节约和投资多少钱才能保证你的退休后的生活。
实在不会谢谢大家,
还是有点没看懂,请问24和n=30是怎么来的? 还有题目中的单位需要转换么?(因为iflation是compound annual, invest是compound semi-annual)中文不懂怎么表达,麻烦了
追答画个时间线。英文没仔细看 :)如果iflation是compound annual, invest是compound semi-annual,那就得转换一下,把semi-annual转换成annual的,89-65=25,我理解的是年初拿到钱,活到90就是89岁年初有一笔payout,30就是工作30年65-25
追问65-25等于40呀!而且有用到我之前说的公式么?投资的那40年中也存在着inflation, 只单纯的用 fv,n,I ,求出pmt对么?是不是这时候该用我补充问题里用的公式?还有那一大串的15. 95怎么求呀,太多数字了,有计算公式么?:)好多问题帮我再分析分析吧
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