Question

求大神帮忙。。

Suppose you are currently 30 years old,expect to retire in 35 years at age 65,and then to live for 20 more years until age 85.Your current pre-tax income is 100,000 and is expected to grow at 2%per year.The pre-tax interest rate is 5% and your tax rate is 35%.For simplicity,assume that all cash flows occur at the end of the year. Q:You decide that you want to spend a constant amount per year fo the rest of your life,i.e.,from age 30 to age 85.How much can you spend per year?Are you saving for retirement at age 30？

Answer 1

翻译：
假设你现在30岁，预计在35年后退休年龄是65岁，再多活20年，直到85岁。你目前的税前收入为100000，预计将以每年2%的速度增长。税前利率是5%，你的税率是35%。为简单起见，假设所有的现金流量发生在年底。问：你认为你想花恒定量每年为你的生活，剩下的即，从30岁到85岁。你能花多少钱呢？你30岁退休储蓄？

Answer 2

再加点分就帮你做 这种题贼烦的

追问

一共就是10个财富点。。实在是做不出来，，感觉怎么都不对，求练手

追答

他的钱是存银行之类只要钱存在年年有利率的，还是就发的那一年有利率？

追问

这就是原题啊 = = 我估计是年年有利率吧。。