复利及年金计算方法公式（The method and formula of compound annuity）.docVIP

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复利及年金计算方法公式（The method and formula of compound annuity）.doc

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复利及年金计算方法公式（The method and formula of compound annuity）

复利及年金计算方法公式（The method and formula of compound annuity） The calculation formula of ordinary annuity Amount of ordinary annuity: F=A[(1+i) ^n-1]/i or A (F/A, I, n) Ordinary annuity: P=A{[1- (1+i) ^-n]/i} or A (P/A, I, n) 3 cases per year in the bank 20 thousand yuan, 5 years, 8% years of compounding, ask how much discount? Solution: A = 20 thousand, I = 8%, n = 5, P P = A{[1- (1+i) ^-n]/i} = 20 thousand * (1, 18%) ^5 / 8%. The look-up table, 1 - (1 + 8%) ^ - 5 / 8% = 3.993 P = 20 thousand * 3.993 = 79 thousand and 860 yuan Investment amount: A=P/{[1- (1+i) ^-n]/i} or P (A/P, I, n) Is the inverse operation of ordinary annuity, is known for pension annuity. Annuity factor is the reciprocal of investment recovery coefficient. 4 cases of the existing 300 thousand yuan, a bank, 5 years out of 12% years of compounding, asked at the end of each year desirable? Solution: This is the present value of annuity for it by. P = 300 thousand, I = 12%, n = 5, A. A=P/{[1- (1+i) ^-n]/i} = 300 thousand / 1 / (112%) ^5 / 12%. The look-up table, 1 - (1 + 12%) ^ - 5 / 12% = 3.605 A = 300 thousand / 3.605 = 83 thousand and 218 yuan The calculation formula of annuity due Payable annuity refers to from the first period, in a series of payments equal payments in certain period of each at the beginning of the period, also called a pension. The difference with ordinary annuity due annuity payment only in different time. The calculation formula of ordinary annuity Amount of ordinary annuity: F=A[(1+i) ^n-1]/i or A (F/A, I, n) Ordinary annuity: P=A{[1- (1+i) ^-n]/i} or A (P/A, I, n) The calculation formula of the annuity due Payable amount of 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 with ordinary annuity annuity due The general annuity table, are ordinary annuity. If the initial payment of annuity due, by hand the tedious work of calculation, but also can be obtained by ordinary annuity con