HP 12c Platinum Reference Guide

164 Appendix B
Personal Finance
Tax-Free Retirement Account (IRA) or Keogh Plan
n = the number of years to retirement.
i = the compounded annual interest.
PMT = the total annual investment.
FV= future value, after applicable taxes.
r = the assumed tax rate on interest expressed as a decimal.
w = the withdrawal tax rate expressed as a decimal.
For ordinary taxable investment:
()
() [] () []
{
}
111 11
1
−−+−+
−
=
n
riri
ri
PMT
FV
For tax-free investment:
(
)
()()
[
]
11 1
1
−++
−×
=
n
ii
i
wPMT
FV
Stock Portfolio Evaluation and Analysis
n = the number of issues held.
P
i
= the current market price / share of a stock.
S
i
= the number of shares of a stock held.
i
β = the beta coefficient of an individual stock.
T = the total present value of a portfolio.
Portfolio beta coefficient:
∑
=
=
n
1i
β
β
T
SP
iii
Canadian Mortgages
r = annual interest rate expressed as a decimal.
monthly factor
1001
2
1
6/1
×








−






+=
r

HP 12c Platinum Specifications

General

Digits	10 digits
Battery type	CR2032
Type	Financial
Form factor	Pocket

Weight and Dimensions

Weight	110 g
Dimensions (WxDxH)	79 x 129 x 15 mm