h*****x
发帖数: 47 | 1 大侠，这题对您是小菜一碟吧。给讲讲怎么做。多谢您了！
题目如下，请把您用的formula给写上。多谢！
Assume that on your 26th birthday, you have fully repaid your student loan,
and you start to put money into your Roth IRA account for retirement purpose
. You are able to deposit $5,000 into the account each year, and the first
deposit is made on your 26th birthday. Five years later, you are allowed
and are able to contribute an additional $1,000 per year (i.e., a deposit of
$6,000 per year). Assuming that from there on, every five years, the | a**n
发帖数: 3801 | 2 就不告诉你
,
purpose
first
of
IRA
【在 h*****x 的大作中提到】
: 大侠，这题对您是小菜一碟吧。给讲讲怎么做。多谢您了！
: 题目如下，请把您用的formula给写上。多谢！
: Assume that on your 26th birthday, you have fully repaid your student loan,
: and you start to put money into your Roth IRA account for retirement purpose
: . You are able to deposit $5,000 into the account each year, and the first
: deposit is made on your 26th birthday. Five years later, you are allowed
: and are able to contribute an additional $1,000 per year (i.e., a deposit of
: $6,000 per year). Assuming that from there on, every five years, the
| h*****x
发帖数: 47 | 3 好alan，给我说说贝。送你一支鲜花。
用excel算，总共的37个contribution，共计$304000。未来在62岁时能得到$1200000 。
可是，cash flows 不是一样的，这就麻烦。
【在 a**n 的大作中提到】
: 就不告诉你
:
: ,
: purpose
: first
: of
: IRA
| h*****x
发帖数: 47 | 4 这有一道几乎一样的题，只有future value不一样，所以用excel算得annual return是
5.47%，请查看例题。
虽然有这个例题，可是老师把formula给删除了，所以，我不知道那个5.47%是怎么算出
来的。
例题:
Return on Investment 5.472432%
Post Retire Return 5.472432%
Cost of Living Adjustment 0.000000%
First Contirbution $5,000
First Withdrawal $0
Total Contribution $304,000
Age Beginning Balance Returns (%) Dollar Return Annual Contribution Ending Balance
26 $0.00 5.47% $- $5,000 $5,000.00
27 $5,000.00 5.47% $273.62 $5,000 $10 | t***s
发帖数: 4666 | 5 IRR.
,
purpose
first
of
IRA
【在 h*****x 的大作中提到】
: 大侠，这题对您是小菜一碟吧。给讲讲怎么做。多谢您了！
: 题目如下，请把您用的formula给写上。多谢！
: Assume that on your 26th birthday, you have fully repaid your student loan,
: and you start to put money into your Roth IRA account for retirement purpose
: . You are able to deposit $5,000 into the account each year, and the first
: deposit is made on your 26th birthday. Five years later, you are allowed
: and are able to contribute an additional $1,000 per year (i.e., a deposit of
: $6,000 per year). Assuming that from there on, every five years, the
| h*****x
发帖数: 47 | 6 谁知道用excel怎么做这题？下面是一道例题，解法一模一样，只有future value不一
样,是$80000 ，所以用excel算得annual return是5.47%，请查看例题。
虽然有这个例题，可是老师把formula给删除了，所以，我不知道那个5.47%是怎么算出
来的。
例题:
Return on Investment 5.472432%
Post Retire Return 5.472432%
Cost of Living Adjustment 0.000000%
First Contirbution $5,000
First Withdrawal $0
Total Contribution $304,000
Age Beginning Balance Returns (%) Dollar Return Annual Contribution Ending
Balance
26 $0.00 5.47% $- $5,000 $5,000.00
27 $5,000.00 5.47% $273.6 | h*****x
发帖数: 47 | 7 IRR=7.4322%
用excel的what-if功能可以算出答案。 |
|
