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You Won the Lottery,and the Jackpot Was $12,000,000

Question 123

Essay

You won the lottery,and the jackpot was $12,000,000.You can either receive the $12,000,000 in equal installments over 20 years,or you can receive a lump sum today.The amount of the lump sum you'll receive today is based on the present value of the equal installment payments.
a.What is the present value of the lottery winnings taken in equal installments over 20 years at 8% interest?
b.What is the present value of the lottery winnings taken in equal installments over 20 years at 10% interest?
c.Which interest rate yields the greatest amount of cash today?

Correct Answer:

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a.$5,890,860 = ($12,000,000/20)× 9.8181
...

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