A European-based cattle genetics engineering re­search lab is planning for a major expenditure on research equipment. The lab needs $5 million of to­day’s dollars so that it can make the acquisition 4 years from now. The inflation rate is steady at 5% per year. (a) How many future dollars will be needed when the equipment is purchased if purchas­ing power is maintained? (b) What is the required amount of the annual deposit into a fund that earns the market rate of 10% per year to ensure that the amount calculated in part (a) is accumulated? (c) Write a single-cell spreadsheet function that imme­diately displays the correct annual deposit required.

What will be an ideal response?


(a) To maintain purchasing power, use f to find future dollars.

F = 5,000,000(F/P,5%,4)
= 5,000,000(1.2155)
= $6,077,500

(b) Use market rate to find A

A = 6,077,500(A/F,10%,4)
= 6,077,500(0.21547)
= $1,309,519 per year

(c) Function: = - PMT(10%,4,,-FV(5%,4,,5000000)) displays A = $1,309,530

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