养老金计算问题

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Your firm decides to begin to fund a retirement pension for a new employee.
The details of the pension plan are as follows:

1. The employee is 30 years old; the pension fund will begin to make annual payments to the employee 20 years from the date when funding for the pension begins.

2. When payments begin, the employee will receive quarterly payment for 15 years.
The first quarterly payment will be $ 20,000, and each succeeding payment will grow by 2.5% (annual rate 10%).
3. Money paid into the funds is assumed to earn constant 12% annual rate of return.
4. The annual contributions your firm makes to the fund will grow at a 3%.


a) As a financial manager, please determine how much you need to deposit now to get this pension plan in motion?
















b) If the return from the funds is lower than 12%, will the retirement pension be under-funded or over-funded? Why?

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关键词：计算问题 养老金 Contribution Retirement Quarterly 养老金

公司决定为新职员建立一个养老金账户
细节如下
职员30岁 养老金账户将从建立之日起按年为职员支付20年的费用  
在支付开始的同时 ，职员每年可以按季度得到收入 持续15年  职员的第一次收入是20，000，每次收入按2.5%增长
养老金账户资金有12%的回报率
公司每年投入养老金账户的资金按3%增长

1）一开始必须投入多少资金
2）如果回报率低于12%，那公司的养老金是不足或剩余  为什么