作业帮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).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。
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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