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  1. 2021年9月20日 · 現值(英文:Present Value ,簡稱 PV) 是指未來的貨幣在今日的價值,也就是說未來一筆金額, 經過一段時間 折現(Discount) 後,算出的現在貨幣價值,白話來說就是 未來的 1 元等於今天多少錢 。

    • Understanding The Present Value of An Annuity
    • Formula and Calculation of The Present Value of An Annuity
    • Present Value of An Annuity Example
    • Factors That Affect The Present Value of An Annuity
    • Why Is Knowing The Present Value of An Annuity Important?

    Understanding the present value of an annuity allows you to compare options for keeping or selling your annuity. It lets you compare the amount you would receive from an annuity’s series of payments over time to the value of what you would receive for a lump sum payment for the annuity right now. “The present value of an annuity is affected by fact...

    Calculating present value is part of determining how much your annuity is worth — and whether you are getting a fair deal when you sell your payments. In order to understand and use this formula, you will need specific information, including the discount rate offered to you by a purchasing company. The information you need when using the present va...

    Let’s say your structured settlementpays you $1,000 a year for 10 years. If you keep all your payments, you will eventually receive $10,000. But what if you lose your job and need more than $1,000 a year to cover your expenses? Let’s assume you want to sell five years’ worth of payments, or $5,000, and the factoring company applies a 10 percent dis...

    There are several factors that can affect the present value of an annuity. Most of these are related to the annuity contract dealing with interest rates, guaranteed payments and time to maturity. But external factors — most notably inflation — may also affect the present value of an annuity.

    It’s critical to know the present value of an annuity when deciding if you should sell your annuity for a lump sum of cash. “Knowing the present value of an annuity is important because it allows you to understand the value of future payments in today’s dollars,” Stubbendeck said. “This knowledge can help with financial planning, investment decisio...

  2. 2013年11月21日 · 年金现值(Present value of annuity)年金现值是指将在一定时期内按相同时间间隔在每期期末收入或支付的相等金额折算到第一期初的现值之和。 年金现值是年金终值的逆计算。

  3. The Equation to Find the Present Value of an Annuity, Or the Installment Payment for a Loan If a payment of \(m\) dollars is made in an account \(n\) times a year at an interest \(r\), then the present value \(\mathrm{P}\) of the annuity after \(t\) years is

  4. The present value annuity factor is used to calculate the present value of future one dollar cash flows. This formula relies on the concept of time value of money. Time value of money is the concept that a dollar received at a future date is worth less than if the same amount is received today.

  5. 2023年1月24日 · What Is the Present Value of an Annuity? The present value of an annuity is the total value of all of future annuity payments. A key factor in determining the present value of...

  6. Following is the formula for calculating present value of an annuity: PVA = P * ( (1 - 1 / (1 + i) n) / i) where, PVA = Present value. P = Periodic payment amount. n = Number of payments. i = Periodic interest rate per payment period; This is derived from nominal annual rate using the formula shown in the calculator for periodic interest rate.

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