1. Suppose you are 30 years old, married and the husband and wife are the same age. You should make a financial plan for the husband and wife's life. Suppose your husband and wife each earn 6000 yuan now, and their income will increase by 6% every year. Suppose the annual inflation rate in the future is 2%. If your husband and wife spend the same amount of money every month in the future, how much should they spend each month in the following situations?
1. Suppose both husband and wife retire at the age of 60, with a life expectancy of 80 and no other income after retirement.
2. Suppose the wife retires at the age of 55, the life expectancy is 80 years, the husband retires at the age of 60, and the life expectancy is 75 years. Similarly, there is no other income after retirement.
2. Suppose you bought a house on June 5438+1 October1,paid the down payment with your own accumulation and the help of your family, and borrowed 720,000 yuan from the bank. The loan term is 30 years and the loan interest rate is 6%.
1. If average capital repayment method is selected, how much should I pay back to the bank at the end of 10?
If the central bank reduces the loan interest rate to 4% after the loan, the amount of your monthly loan to the bank will be adjusted from the beginning of next year. 65438+ 10 How much should I pay back to the bank in the second year?
3. Suppose the Ministry of Finance recently issued two batches of bonds with a maturity of six months and a face value of10000; Bond B is a perpetual bond, with face value of 1000, coupon rate 10% and annual interest payment of 12 times.
1. Assuming the necessary yield of bonds is 10%, what should be the reasonable prices of bonds A and B respectively?
2. Suppose that the central bank adopts an expansionary monetary policy after the issuance conditions (term, face value, coupon rate and fixed annual interest payments) are set by the Ministry of Finance, and now the necessary rate of return is reduced to 8%. What are the prices of bond A and bond B respectively?
Four, suppose a company issued two batches of BBB bonds, A bonds for five years, the face price is 100 yuan, coupon rate is10%; Interest is paid twice a year. Bond B has a maturity of 30 years, the face price is 65,438+000 yuan, and coupon rate is 65,438+02%, and the interest is paid twice a year. Q:
1. If the necessary yield of BBB bonds is assumed to be 15%, what should be the reasonable price of A and B bonds?
2. If the necessary rate of return is reduced to 9% now, what are the prices of A and B bonds respectively? Which kind of bond price rises (or falls) more?
A company discovered two kinds of stocks: preferred stock and common stock. Assume that the face value of preferred stock is 100 yuan, and the dividend yield is 5%, which is paid annually (once a year); Common stock dividends are paid in the form of annual increase of 5% (annual payment). Last year, the dividend per share was 65,438+0 yuan. Q:
1. If the necessary rate of return of preferred stock is 6% and the ordinary necessary rate of return is 7%, what should be the reasonable prices of preferred stock and common stock respectively?
2. What will happen to the reasonable prices of the two types of stock prices if the necessary returns of the preferred stock and the common stock both decrease by 1%?