一道inflation的题目请教

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下面是2007 L3 真题里面的一段话：

The Ingrams are meeting with Caleb Swann, CFA, their long-time advisor, to discuss financial
planning issues. The Ingrams agree that their current annual pre-tax income need is C$200,000.
The Ingrams expect that their inflation-adjusted expenses will remain constant during retirement.
They plan to fund their living expenses by taking annual distributions from their portfolio with
the first distribution to occur immediately. Swann believes an appropriate long-term inflation
rate is 2.5 percent and an appropriate planning horizon is 35 years.

上面标红的句子，是不是代表他们每年的费用都是200000*1.025=205000，还是以后每年的费用都要乘以inflation(1.025).

还有就是算nominal return时直接用r+i和(1+r)*(1+i)-1的区别？

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关键词：inflation flation ATION Flat ATI 请教 题目 inflation

According to the questions above,i suppose we should take the inflation rate as the annual rate of the general price increase,ie,we use the multiple rate approach.

2 the two approaches only differs in that the later counts the effect of inflation on the interest.and usually we use the first quotation to simplify the calculation process.that'all.

但官方给出的答案是每年都是不变的20500，下面的官方的算法：

Calculation of nominal pre-tax return requirement:
N=35, pv = 4 million, pmt = –205,000, fv = –3 million, compute i/y = 4.84%

其中pmt=-20500，应该就是代表每年的费用都是不变的20500，不知道我这样的理解对不对？