二、终值( Future value)与现值( Present value) Future Value (FV) is what money today will be worth at some point in the future FV= PV X FVIF FVIF is the future value interest factor ( Append×1) Present Value(Pv) is what money at some point in the future is worth today PV=FV X PVIF PVIF is the present value interest factor (Appendix 2Future Value (FV) is what money today will be worth at some point in the future FV = PV x FVIF FVIF is the future value interest factor (Appendix 1) Present Value (PV) is what money at some point in the future is worth today PV = FV x PVIF PVIF is the present value interest factor (Appendix 2) 二、终值(Future value)与现值(Present value)