GROUP REPORT

Members: Nguyễn Trọng Đại Ngọc

Nguyễn Hữu Thịnh
Nguyễn Minh Quân
Dương Tường Huy
Lý Hạo Khiết
Executive summary
This report depicts how we will get utilized to utilizing 10 money related capacities in Exceed
expectations most commonly utilized and how we relegate errands among members.

The reason of this report is to show the equation, formulas, clarifications and examples of each
work in arrange to allow an outline of how these functions work

Name Formula Explanation Example

1. Future Value FV (Rate, Nper, [Pmt], PV, Future value S of a Find the future value $6000
(FV) [Type]) principal P after n for eight years at an
periods at an annual effective rate of 8%
interest rate r

2.FVSCHEDULE FVSCHEDULE(Principal, Future value S of a M has invested the US $100

Schedule) principal P after n at the end of 2016. It is
years at an interest expected that the interest
rate r1, r2,...,rn rate will change every year.
In 2017, 2018 & 2019, the
interest rates would be 4%,
6% & 5% respectively. What
would be the FV in 2019?

3. Net Present NPV(rate,value1, Rt: Net cash inflow- If we invest $1000 over a 4-
Value (NPV) [value2],...) outflows during a years period with an annual
single period.  rate of 5%, we will get in
i= Discount rate or return 300,400,400,500
return that could be after 1, 2,3,4 years
earned in alternative respectively
investment What is the net present
t= Number of timer value of this investment?
period
TVIC: Today value of
invested cash

4. IRR (Internal IRR(values, [guess]) Ct: Net cash inflow If we invest $1000 over a 4-
Rate of Return) during the period t years period with an annual
 C0: Total initial rate of 5%, we will get in
investment cost return 300,400,400,500
IRR: Internal rate of after 1, 2,3,4 years
return respectively
t: The number of time What is the Internal Rate of
period Return of this investment?
investment?

5. EFFECT EFFECT(nominal_rate, npery) The effective rate is What effective rate is

(Effective rate) just the rate of simple equivalent to a nominal rate
interest earned over a of 6% compounded
period of one semiannually?
year.The effective rate
that is equivalent to a
nominal rate of r
compounded n times

6. NOMINAL NOMINAL = (Effect_Rate, In contrast, we can Payment needs to be paid

NPERY) calculate the nominal with an effective interest
rate r if we have the rate or annual equivalent
effective rate  rate of 12% when the
number of compounding per
year is 12. What is the
nominal rate?

7. PMT =PMT(rate, nper, pv, [fv], Rate (required Let’s assume that we need
[type]) argument) – The to invest in such a manner
interest rate of the that, after two years, we’ll
loan. receive $75,000. The rate of
Nper (required interest is 3.5% per year and
argument) – Total the payment will be made at
number of payments the start of each month.
for the loan taken.
Pv (required
argument) –  The
present value or total
amount that a series
of future payments is
worth now. It is also
termed as the
principal of a loan.
Fv (optional
argument) – This is
the future value or a
cash balance we want
to attain after the last
payment is made. If Fv
 is omitted, it is
assumed to be 0
(zero), that is, the
future value of a loan
is 0.

8. PV PV (rate, nper, pmt, [fv], FV=Future Value Find the present value of
[type]) r=Rate of return $1000 due after 3 years if
n=Number of periods the interest rate is 9%
The principal P that compounded monthly. 
must be invested at
the periodic rate of r
for n interest periods
so that the compound
amount is S.

9. NPER NPER(rate,pmt,pv,[fv],[type]) Rate = It is the interest Let’s assume we need

rate/period $50,000 and a loan will be
PMT = Amount paid given to us at a 5%
per period interest rate, with a
PV = Present Value monthly payment of $500.
[FV] = An optional Let’s now calculate the
argument which is number of periods
about the future value required to repay the
of a loan (if nothing is loan.
mentioned, FV is
considered as “0”)
[Type] = When the
payment is made (if
nothing is mentioned,
it’s assumed that the
payment has been
made at the end of
the period)

10. RATE RATE(nper, pmt, pv, [fv], Nper = Number of US $200 is paid per year for
[type], [guess]) periods a loan of US $1000 for 6
PMT = Amount paid years, and the payment
per period needs to be done yearly.
PV = Present Value Find out the RATE.
[FV] = An optional
argument which is
about the future value
 of a loan (if nothing is
mentioned, FV is
considered as “0”)
[Type] = When the
payment is made (if
nothing is mentioned,
it’s assumed that the
payment has been
made at the end of
the period)
[Guess] = An
assumption of what
you think RATE should
be

Number Equation P.I.C

1 Future Value (FV) Hữu Thịnh

2 FVSCHEDULE  Hữu Thịnh

3 Net Present Value (NPV) Hạo Khiết

4 IRR (Internal Rate of Return) Hạo Khiết

5 EFFECT (Effective rate) Minh Quân

6 NOMINAL( Nominal rate) Minh Quân

7 PMT  Tường Huy

8 PV Tường Huy

9 NPER Đại Ngọc

10 RATE Đại Ngọc