ACT 4.2

ACT 4.2 Valor del dinero en el tiempo

VFA= $400

( 1.1 )10−1 = 400(15.937424)= 6,374.97 0.10

VFA=$200

( 1.05 )5 −1 =200(5.52563125)= 1,105.26 0.05

[ [

] ]

4.8

VFA(ANT)= $400

{

1.110 −1 x (1.1) 0.10

}

= $400(15.937424601x1.1) =$400(17.5311670611) = $7,012.46

VFA(ANT)= $200

{

1.055 −1 x (1.05) 0.05

}

= $200(5.5256312 x1.05) =$200(5.8019128125) = $1,160.38

4.9

[ [

VPA= $400

VPA= $200

1 (1.1)10 = 400(6.14457)= $2,457.83 0.10

] ]

1−

1 (1.05)5 = 200(4.32948)= $ 865.89 0.05

1−

4.10 1 VPA(ANT)= $400 (1.1)10 x(1.1) 0.10 =400(6.14567) (1.1) =400(6.760237) = $2,704.09

[

1−

]

1 VPA(ANT)= $200 (1.05)5 x(1.05) 0.05 =200(4.32948) (1.05) =200(4.545954) = $909.19

[

1−

]

4.11

100 = 1,428.57 0.07 100 VPP= = 714.29 0.14 (El valor presente disminuye) VPP=

4.18

•

Calcular el valor presente anualidad ordinaria

VPA= $1205.55

[

1 (1. 03)3 = 1,205.55(2.829533)= $3,411.14 0 . 03

1−

]

N= 3*4= 12 VP= 12000 I= 12 12/4= 3% Pagos mensuales: 1,205.55

Calculo de intereses PA=VP/[1-1/(1+i/4) 4xn/i/4] Pa=12,000/[1-1/(1+0.12/4)4x3/0.12/4] PA=12,000/[1-1/(1+0.03)12/0.03] PA=12,000/[1-1/(1.03)12/0.03] PA=12,000/[1-1/1.425760/0.03]

PA=12,000/[1-0.701380/0.03] PA=12,000/(0.29862/0.03) PA=12,000/9.954 PA= 1,205.55

a. Buscar el VP de una anualidad

1 (1.06)30 VP=3,500,000(0.174110) VP= 609,385.47 VP= 3,500,000

[

]

A) Debería seleccionar los 54 millones hoy B) A un 0%