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Below is a table for the present value of $1 at Compound interest. Year 6% 10% 1

ID: 2430623 • Letter: B

Question

Below is a table for the present value of $1 at Compound interest.

Year

6%

10%

12%

1

0.943

0.909

0.893

2

0.890

0.826

0.797

3

0.840

0.751

0.712

4

0.792

0.683

0.636

5

0.747

0.621

0.567

Below is a table for the present value of an annuity of $1 at compound interest.

Year

6%

10%

12%

1

0.943

0.909

0.893

2

1.833

1.736

1.690

3

2.673

2.487

2.402

4

3.465

3.170

3.037

5

4.212

3.791

3.605

Using the tables above, if an investment is made now for $18,150 that will generate a cash inflow of $6,050 a year for the next 4 years, what would be the net present value (rounded to the nearest dollar) of the investment, assuming an earnings rate of 10%?

      $18,150

$1,029

$6,050

$19,179

Year

6%

10%

12%

1

0.943

0.909

0.893

2

0.890

0.826

0.797

3

0.840

0.751

0.712

4

0.792

0.683

0.636

5

0.747

0.621

0.567

Explanation / Answer

NPV is the difference of present value of future cash inflows in aggregate and the initial investment.

NPV = Present value of future cash flows – Initial investment

         = ($6,050 × factor of 10% on 4th year in annuity table) - $18,150

         = ($6,050 × 3.170) - $18,150

         = $19,178.50 - $18,150

         = $1,028.5

         = $1,029 (Rounded)

Answer: 2nd option

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