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TVM- und Amortisationsarbeitsblätter 39
Antwort: Die monatliche Rückzahlung beträgt 26,72.
Beispiel: Sparen durch monatliche Einzahlungen
Hinweis: Konten, in die am Anfang einer Periode eingezahlt wird,
werden als Annuity Due Accounts bezeichnet. Bei diesen Konten laufen
die Zinsen früher auf; sie bieten also eine etwas höhere Rendite.
Sie zahlen am Anfang jeden Monats
200 in einen Pensionsfond ein.
Welcher Kontostand wird nach 20 Jahren erreicht, wenn der Fond einen
Jahreszins von 7,5 % mit monatlicher Zinsgutschrift bietet und die
Einzahlungen am Anfang der Periode (d.h. des Monats) erfolgen?
Antwort: Wenn Sie über einen Zeitraum von 20 Jahren am Anfang
jeden Monats 200 einzahlen, beträgt der Endwert 111.438,31.
Vorgang Drücken Anzeige
Alle Variablen auf
Standardwerte zurücksetzen
& } !
RST 0.00
Auf 12 Zahlungen pro Jahr
einstellen
& [ 12 !
P/Y=
12.00
Zahlungen am Anfang der
Periode einstellen
& ] & V
BGN
Zum Standardrechnermodus
zurückkehren
& U
0.00
Anzahl der Zahlungen mit dem
Zahlungsmultiplikator
eingeben
20 & Z ,
N=
240.00
Zinssatz eingeben
7.5 -
I/Y=
7.50
Zahlungsbetrag eingeben
200 S /
PMT=
-200.00
Endwert berechne
n % 0
FV=
111,438.31
45


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