how to find returns for lump sum & yearly investments

To all you kind n intelligent souls out there,

I need help to solve the following:

A lump sum of $10,000 is invested in a fund for 20 years. Thereafter, an additional yearly investment of $1200 is made every anniversary till the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly payments of $1200). If the compounded interest is 5% for the first ten years and 7% for the remaining ten years, what is the future value that I can expect at the end of the 20 year period? What Excel functions can I use?

Thanks for your help!

Jack

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>

Use FV. You will need one formula for the first ten years, then use its
result as the Present Value for the computation of the next 10 years at the
new rate.
--
Bernard V Liengme
www.stfx.ca/people/bliengme
remove caps from email

"jackoat" <[email protected]> wrote in
message news:[email protected]...
>
> To all you kind n intelligent souls out there,
>
> I need help to solve the following:
>
> A lump sum of $10,000 is invested in a fund for 20 years. Thereafter,
> an additional yearly investment of $1200 is made every anniversary till
> the end of the 20 year period. (i.e. a lump sum of 10,000 + 20 yearly
> payments of $1200). If the compounded interest is 5% for the first ten
> years and 7% for the remaining ten years, what is the future value that
> I can expect at the end of the 20 year period? What Excel functions can
> I use?
>
> Thanks for your help!
>
> Jack
>
>
> --
> jackoat
> ------------------------------------------------------------------------
> jackoat's Profile:
> http://www.excelforum.com/member.php...o&userid=25800
> View this thread: http://www.excelforum.com/showthread...hreadid=399548
>