“To calculate this PDV, we need to know the mortality rates mv . . . , m7, the expected
rate of growth of Mr. Jennings' salary g, and the interest rate R. Mor tality data are available
from insurance tables that provide death rates for men of similar age and race.2 As a value
for g, we can use 8 percent, the average rate of growth of wages for airline pilots over the
past decade. Finally, for the interest rate we can use the rate on government bonds, which in
1986 was about 9 percent. (We will say more about how one chooses the correct interest rate
to discount future cash flows in Sections 15.4 and 15.5.) Table 15.4 shows the details of
the present value calculation. By summing the last column we obtain a PDV of $650,252. If
Mr. Jennings's family were successful in proving that the defendant was at fault, and there
were no other damage issues involved in the case, they could recover this amount as
compensation.”
18
.
Diskontirlangan daromadlar turi.
Daromadlar
Yillar bo`yicha keltirilgan daromad
turi
joriy yil
1-yil
2-yil
A
200
200
0
V
40
200
200
Quyidagi jadvalda daromadlarning ikkala turi bo`yicha foizlar stavkasi 5, 10, 15, 20%
bo`lgandagi keltirilgan qiymatlari ko`rsatilgan.
5-jadval.
Daromad
Foiz stavkalarida diskontirlangan daromad, (so`mda)
turi
A
390,5
381,8
373,9
366,7
V
411,9
387,1
365,1
345,6
Jadvaldagi ma`lumotlardan ko`rish mumkinki, daromadlarni tanlash foiz stavkalariga
bog`liq. Agar foiz stavkasi 10% ga teng va undan kichik bo`lganda, shaxs "
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