{"id":40032,"date":"2025-10-14T13:54:07","date_gmt":"2025-10-14T13:54:07","guid":{"rendered":"https:\/\/certifeka-edu.com\/programs\/finance-for-strategic-managers-finance-professional-certificate__trashed-2\/lessons\/lesson-3-the-equation-for-present-value-3\/"},"modified":"2025-10-14T13:54:07","modified_gmt":"2025-10-14T13:54:07","slug":"lesson-3-the-equation-for-present-value-3","status":"publish","type":"lesson","link":"https:\/\/certifeka-edu.com\/ar\/programs\/sample-course\/lessons\/lesson-3-the-equation-for-present-value-3\/","title":{"rendered":"Lesson 3: The Equation for Present Value"},"content":{"rendered":"

\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

Lesson 3 Present Value of a single amount<\/h2>\n

The Equation for Present Value
\n<\/h3>\n

The present value of a future amount can be found mathematically by solving Equation for PV. In other words, the present value, PV, of some future amount, FVn, to be received n periods from now, assuming an interest rate (or opportunity cost) of r, is calculated as follows:<\/h5>\n

\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

Is for future value at the end of period n<\/h5>\n

\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

Is for initial principal, or present value<\/h5>\n

\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

Is for an annual rate of interest paid.<\/h5>\n

\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

Is for number of periods (typically years) that the money is left on deposit<\/h5>\n

\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

Letting PV equal this unknown amount and using the same notation as in the future value discussion, we have discussed previously<\/h5>\n
Example<\/h5>\n
Paul Shorter has an opportunity to receive $300 one year from now. If he can earn 6% on his investments in the normal course of events, what is the most he should pay now for this opportunity?
“Solving for PV gives us equation.”<\/h5>\n

\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

=$283.02
The value today (“Present Value”) of 300$ received one year from today, given an interest rate of 6%, is 283.02$. that is, investing 283.02$ today at 6% would result in 300$ at the end of one year<\/h5>\n
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