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Zero inventory is a common investment method for working-class employees. Therefore, the future value of the investment needs to be calculated to determine whether to choose a savings method. (1) the function decomposition FV function returns the future value of an investment based on the fixed interest rate and the same amount installment payment method. Syntax: FV (rate, nper, pmt, pv, type) RSyntaxHighligh

Zero inventory is a common investment method for working-class employees. Therefore, the future value of the investment needs to be calculated to determine whether to choose a savings method.

(1) function decomposition

The FV function returns the future value of an investment based on the fixed interest rate and the same amount of installment payment.

Syntax: FV (rate, nper, pmt, pv, type)

Rate is the interest Rate of each period; Nper is the total investment period, that is, the total payment period of the investment; Pmt is the amount payable for each period, and its value remains unchanged throughout the period of the annuity; Pv is the present value, that is, the amount that has been recorded at the time of calculation starting from the investment, or the sum of the current values of a series of future payments; Type is 0 or 1, it is used to specify whether the payment period is at the beginning or end of each period.

(2) instance analysis

Create a worksheet and enter "investment interest rate", "investment period", "investment amount", and "initial account amount" in cells A1, B1, C1, and D1 respectively ". Assume that the wife creates a new account and saves 300 RMB at the end of each month, with an annual profit of 2.1% RMB (I .e., the monthly interest rate of 0.00175 RMB) and deposits for five consecutive years, you can enter "0.00175", "60", "500", and "1" in cells A2, B2, C2, and D2 respectively ".

Then, select cell E2 and enter the formula "= FV (A2, B2,-C2, D2, 1)". press enter to obtain the total expiration principal of the investment as "￥18,994.67 ". In the formula, "-C2" indicates that funds are spent, and "C2" can be used without adding a negative number. in this way, the calculated result is a negative value.

If the husband also has a "zero-sum-deposit" account, he will deposit 200 yuan at the beginning of each month, with an annual profit of 1.28% yuan (I .e., the monthly interest of 0.001667 yuan) and deposit for three consecutive years, you can enter "0.001667", "36", "200", and "0" in cells A3, B3, C3, and D3 respectively ". Then copy the formula in cell E2 to cell E3 (point the cursor to the drag handle of cell E2, and drag a grid down when the black cross cursor appears ), the total expiration amount of the investment is RMB 7,426.42 ".

Tip: the above calculation results include the principal and interest, but do not include interest and other fees.