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5.06 Future and present value

Worksheet
Future value
1

Find the future value of the following investments:

a

A \$60\,200 investment earns interest at 17.9\% p.a., compounded annually over 26 years.

b

A \$7950 investment earns interest at 6.2\% p.a., compounded semiannually over 18 years.

c

A \$46\,400 investment earns interest at 6.8\% p.a., compounded quarterly over 5 years.

d

A \$8030 investment earns interest at 3\% p.a. compounded annually over 20 years.

e

A \$4490 investment earns interest at 2.8\% p.a. compounded semiannually over 6 years.

f

A \$8030 investment earns interest at 3\% p.a. compounded quarterly over 12 years.

g

A \$9450 investment earns interest at 2.6\% p.a. compounded monthly over 14 years.

h

A \$1710 investment earns interest at 2.2\% p.a., compounded weekly over 6 years.

2

A \$3000 investment earns interest at 4.5\% p.a., compounded daily over 5 years.

Assuming there is one leap year over this period, what is the future value of the investment?

Future and present value
3

State the term for the amount of money that would need to be invested now to grow to a certain amount after a period of time.

4

Calculate the present value of each investment:

a

An investment that earns interest at 4\% p.a. compounded annually has a future value of \$5000 in 10 years.

b

An investment that earns interest at 8.7\% p.a. compounded semi-annually has a future value of \$1960 in 4 years.

c

An investment that earns interest at 11.2\% p.a. compounded quarterly has a future value of \$98\,900 in 6 years.

5

An investment earns interest at 18.6\% p.a. compounded annually. What is the present value of the investment if it will be worth \$93\,700 in 26 years?

6

An investment earns interest at 8.3\% p.a. compounded quarterly. What is the present value of the investment if it will be worth \$11\,400 in 8 years?

7

An investment earns interest at 5.16\% p.a. compounded weekly. What is the present value of the investment if it will be worth \$4320 in 12 years? Assume 52 weeks in a year.

8

Oliver is planning an overseas trip during his long service leave, which is due in 7 years. In order to save the \$11\,000, he deposits some money into a high interest savings account that pays 12\% p.a. interest, compounded monthly.

Find the amount that he must deposit now to accumulate enough for the trip in 7 years.

9

Nadia has just won \$28\,000. When she retires in 27 years, she wants to have \$60\,000 in her fund, which earns 6\% interest p.a.

How much of her winnings does she need to invest now to achieve this?

Interest rate
10

If you invested \$228\,000 into an account with interest compounding annually and the balance after 12 years is \$513\,500, then determine the interest rate per annum, correct to the nearest percentage.

11

Claudia borrowed \$12\,000 to buy furnishings for her new cafe. What was the rate of interest per annum, if the debt grew to \$18\,665.45 after 3 years with interest compounding quarterly?

12

If \$13\,000 is invested and it doubles over 10 years. Find the percent annual interest rate, to one decimal place, when the interest:

a

Compounds annually.

b

Is simple interest.

c

Compounds daily.

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Outcomes

MS2-12-5

makes informed decisions about financial situations, including annuities and loan repayments

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