ames is starting to take his financial future seriously after studying finance at university. He is currently 25 years of age and wishes to retire from full-time work at the age of 55 with $2 000 000 in savings.    b) How much will James need to contribute at the start of each month in order to receive $2 000 000 in 30 years’ time at a compound interest rate of 7.25% p.a.?  Show formula, variables, calculation and a concluding statement in your response.

Essentials Of Investments
11th Edition
ISBN:9781260013924
Author:Bodie, Zvi, Kane, Alex, MARCUS, Alan J.
Publisher:Bodie, Zvi, Kane, Alex, MARCUS, Alan J.
Chapter1: Investments: Background And Issues
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ames is starting to take his financial future seriously after studying finance at university. He is currently 25 years of age and wishes to retire from full-time work at the age of 55 with $2 000 000 in savings. 

 

b) How much will James need to contribute at the start of each month in order to receive $2 000 000 in 30 years’ time at a compound interest rate of 7.25% p.a.? 

Show formula, variables, calculation and a concluding statement in your response.

Expert Solution
Step 1 - Introduction

To calculate the monthly amount we will use the below formula

 

FV = P*(1+r)*[(1+r)n-1]/r

Where

FV - Future value i.e. $2,000,000

P - Monthly contribution

r - Monthly interest rate i.e. 7.25%/12 = 0.604166666666667%

n - Number of the monthly periods i.e. 30*12 = 360

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