Deposits of the saving plan
Now that you have defined the variables discount_factors, deposits and payments, you are ready to determine the value \(K\) of the yearly savings deposits using the actuarial equivalence relationship between the deposits (red cash flow) and the payments (blue cash flow).
本练习是课程的一部分
Life Insurance Products Valuation in R
练习说明
- Calculate the present value of the deposit pattern as the
sum()of the elementwise product ofdepositsanddiscount_factors. - Do the same for the payment pattern by summing over the product of
paymentsanddiscount_factors. - Using the concept of actuarial equivalence, the yearly deposit
Kin the first four years can be calculated by dividingPV_paymentbyPV_deposit.
交互式实操练习
通过完成这段示例代码来试试这个练习。
# Calculate the present value of the deposits
PV_deposit <- ___(___ * ___)
# Calculate the present value of the payments
PV_payment <- ___(___ * ___)
# Calculate the yearly deposit K in the first 4 years
K <- ___
K