You purchase a high-yield, junk bond for $1,000 that pays $140 annually. After buying the bond, yields decline and you are able to reinvest the interest at only 9 percent. You reinvest all the interest payments. How much will you have when the bond is retired after twelve years? What was the annual return you earned on this investment? ?

What will be an ideal response?


?The $140 are reinvested annually at 9% and grows to     $140(20.141)9 = $2,820.     (20.141 is the interest factor for the future value of     an annuity at 9% for twelve years.)?     (PV = 0; I = 9; N = 12; PMT = -140, and FV = ?.     FV = 2820.)?The sum of the reinvested interest and the principal repayment is $2,819.74 + 1,000 = $3,820.?     The realized return is       $1,000(1 + g)12 = $3,820.?     The interest factor is (1 + g)12 = 3,820.     Solving for g yields approximately 12%.?     (PV = -1000; I = ?; N = 12; PMT = 0, and FV = 3920.     I = 11.82.)?Point out the importance of the reinvestment rate. In this case, the investor earns more than two percent less than the anticipated 14% return on the investment.

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