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Investment B will pay $205,000 in one year’s time for an investment of $183,000 today. If the market interest rate is 15% over the same period, which of the following statement(s) is(are) correct?

I. Reject B, because the investment will yield $5,450 less than putting the money in a bank and earning the market interest rate.
II. Accept B, because the investment will yield $5,450 more than putting the money in a bank and earning the market interest rate.
III. Reject B, because the investment return is about 3% lower than the market interest rate.
IV. Accept B, because the investment return is lower than the market interest rate.
V. Not enough information to make a conclusion.
a. II and IV only.
b. V only.
c. I, III and IV only.
d. I and II only.

1 Answer

4 votes

To determine whether to accept or reject Investment B, we need to compare the return on Investment B with the return from putting the money in a bank and earning the market interest rate. The correct statement is I, II, IV. Investment B yields a return of $22,000, while putting the money in a bank yields a return of $210,450.

To determine whether to accept or reject Investment B, we need to compare the return on Investment B with the return from putting the money in a bank and earning the market interest rate. The market interest rate is given as 15%.

To calculate the return on Investment B, we subtract the initial investment of $183,000 from the future payoff of $205,000. This gives us a return of $22,000.

The return from putting the money in a bank and earning the market interest rate can be calculated using the formula: Future Value = Present Value * (1 + Interest Rate). Plugging in the values, we get: Future Value = $183,000 * (1 + 0.15) = $210,450.

Comparing the two returns, we can see that Investment B yields a return of $22,000, while putting the money in a bank yields a return of $210,450. Therefore, Statement I is correct. Investment B yields $5,450 less than putting the money in a bank and earning the market interest rate. Therefore, Statement II and IV are incorrect. Additionally, the investment return on Investment B is 12% ($22,000 / $183,000), which is lower than the market interest rate of 15%. Therefore, Statement III is correct. Therefore, the correct answer is d. I and II only.

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