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What is the difference in the present Value (PV) of an investment which will gen

ID: 2744273 • Letter: W

Question

What is the difference in the present Value (PV) of an investment which will generate $58,000 per year for each of the next 15 years at 7% beginning TODAY and a $50,000 perpetuity with the same interest factor, if the perpetual payments begin one period from now? How much will you be able to withdraw ANNUALLY for twenty years from an account into which you deposit $ 620,000 from of rollover from a 401 (k) Plan TODAY? Assume that the account will cam 5% per year, compounded annually. The 8 percent (8%) coupon bonds of Eberly, Inc. pay interest SEMI-ANNUALLY and are currently selling for $945.60. The bonds have a face (PAR) value of $1,000 and mature in 8 years. What is the ANNUAL Yield to Maturity (YTM) required by purchasers of the bond at today's price? Think-Is the bond selling at a premium or a discount?

Explanation / Answer

Answer 3.

Present Value of Investment 1 = 58,000*(1-(1/1.07)^15)/(1-1/1.07)

Present Value of Investment 1 = $565,237.14

Present Value of Investment 2 = 50,000/0.07

Present Value of Investment 2 = $714,285.71

Difference between both of the investment = $149,048.57

Answer 4.

Let $x can be drawn annually for 20 years.

620,000 = x*(1-(1/1.05)^20)/0.05

620,000 = x*12.46221

X = $49,750.41

Answer 5.

Semi-annual Coupon = $40

Number of Payments = 16

Face Value = $1,000

Current Value = $945.60

Let semi annual YTM be r%

Then, 945.60 = 40*PVIFA(r%, 16) + 1,000*PVIF(r%, 16)

r = 4.48%

Annual YTM = 2 * 4.48%

Annual YTM = 8.96%

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