Year 12 · General Mathematics

Financial models

Choose a subtopic, explore its examples and practise with feedback.

Choose a subtopic.

Explore financial models for Year 12. Each subtopic has sample questions and worked answers; choose the skill you want to practise.

Models for saving

Compound FV/PV/rate/periods; Ordinary savings annuities: deposit, FV, duration and total interest; Tax, inflation and charges; Nominal versus effective annual rates; Drawdown/income annuities and superannuation contexts; Model assumptions and what-if comparisons

Examples, answers and practice

Models for borrowing

Interest-only loans and sinking funds; Reducing-balance repayments and outstanding balance; Total interest/cost; Frequency, amount, term, lump sums, variable rates and offsets; Affordability, reasonableness and model limitations

Examples, answers and practice

Make, test and investigate.

Build a savings or loan spreadsheet model

Choose hypothetical rates, deposits or repayments, timing, fees and offset assumptions. Inspect the period-by-period model, change an assumption and compare the outcome.

Guided activity · No grade