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)
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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)
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。
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)
1.20岁每年3万,至65岁退休后当年需花费3*（1+2%）^45 = 7.3万
2.pv = 7.3 + 7.3（1+2%）/(1+6%) + 7.3（1+2%）^2/(1+6%)^2 +.+7.3（1+2%）^24/(1+6%)^24 = 15.95万
3.fv=15.95 n=30 I=6% pv =0,求出pmt=1.16（这是按年计算的）,得出结果后除以12,可得到每个月的投资金额为966.67元.
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