Universal Life is 终身有效. 这 300000 是迟早有的。说75岁是为了算平均值。下面是一目了然的新算法:

noexit (省油的灯)
每年存一元 存n年, 年息x%
(1+x)^(n-1)+(1+x)^(n-2)+...+(1+x)^0
=>
1) Sn = S(n-1) + (1+x)^(n-1)
2)(1+x)* S(n-1)= Sn - (1+x)

1) * (1+x) then substituted by 2) =>
(1+x)*Sn = (1+x)*S(n-1) + (1+x)^n
=>
(1+x)*Sn = Sn - (1+x) + (1+x)^n
=>
Sn = [(1+x)^n - (1+x)]/x

If n = 40, x = 7%
S40 = 198.63

110/m = 1320/year

Money we can have after 40 years:

1320 * 198.63 = 262192, which is less than 300000!
(#302460@0)
2001-12-18 -05:00

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