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问题: 1000000/(1+5%)+1000000/(1+5%)(1+5%)+1000000/(1+5%)(1+5%)(1+5%)

=2723248


请列出计算步骤,是否用年金代替更快些?

解答:

1000000/(1 + 5%) + 1000000/[(1 + 5%)(1 + 5%)] + 1000000/[(1 + 5%)(1 + 5%)(1 + 5%)]
= 1000000×[1/(1 + 5%) + 1/(1 + 5%)^2 + 1]/(1 + 5%)^3
= 1000000×[(1 + 5%)^2 + (1 + 5%)) + 1]/(1 + 5%)^3
= 1000000×(1.1025 + 1.05 + 1)/1.157625
= 1000000×2.7232480293704783500701868048807
≈2723248.03