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Matematicas Financieras Essay

1051 words - 5 pages

Matemáticas Financieras

$

Tiempo

La Matemáticas financieras, Se encarga de
evaluar el valor del dinero a través del tiempo.
Lo evalúa mediante la perdida de valor que se
genera.
Es por ello que introduce el interés como
alternativa generadora de valor

Interés
Costo asociado que se otorga ante la perdida del
valor del dinero generada por la inflación.
*Cuando se realiza una inversión el interés que
se otorga es igual a la inflación + un porcentaje
adicional que termina siendo el incentivo para
invertir.
Interés Simple
Interés Compuesto.

Interés Simple

Los intereses devengados en un periodo de
tiempo no ganan intereses a través del tiempo.
Es ...view middle of the document...

Valor Futuro Vf

En la parte inferior se
ubican los ingresos

Periodo

0

1

Valor Presente Vp

2

3

4

En la parte inferior se
ubican los egresos

5

6

7

8

9

Interés Compuesto

Valoración de la tasa de interés
Valoración del dinero a través del tiempo.

Interés Compuesto

Valoración de la tasa de interés
Se clasifica en:
1. Interés Nominal
Vencido

2. Interés Periódico
Anticipado

3. Interés Efectivo

Interés Compuesto

1. Interés Nominal

2. Interés Periódico

3. Interés Efectivo

𝑚: 𝑝𝑒𝑟𝑖𝑜𝑑𝑜 𝑑𝑒 𝑟𝑒𝑓𝑒𝑟𝑒𝑛𝑐𝑖𝑎 𝑑𝑒 𝑝𝑎𝑔𝑜𝑠
𝑖𝑛 : 𝐼𝑛𝑡𝑒𝑟𝑒𝑠 𝑛𝑜𝑚𝑖𝑛𝑎𝑙

𝑖𝑣 = 𝑖𝑝𝑣: 𝐼𝑛𝑡𝑒𝑟𝑒𝑠 𝑝𝑒𝑟𝑖𝑜𝑑𝑖𝑐𝑜 𝑣𝑒𝑛𝑐𝑖𝑑𝑜
𝑖𝑎 = 𝑖𝑝𝑎: 𝐼𝑛𝑡𝑒𝑟𝑒𝑠 𝑝𝑒𝑟𝑖𝑜𝑑𝑖𝑐𝑜 𝑎𝑛𝑡𝑖𝑐𝑖𝑝𝑎𝑑𝑜

Interés Compuesto
Interés Nominal:
La tasa de interés nominal es una tasa expresada en
dos periodos –El de referencia y el de pago- que
genera intereses varias veces al año.
Para saber los intereses generados realmente
necesitaremos cambiar esta tasa nominal a una tasa
periódica.
𝑖𝑛 = 𝑖𝑝𝑣 ∗ 𝑚

Interés Compuesto
Interés Nominal:
*Ojo la palabra “Nominal” = “Compuesta” =“Anual”
significan lo mismo
Ejemplo:
24% Anual Mes Vencido
12% Anual Trimestre vencido
18% Semestre bimestre vencido
6% Trimestre mes vencido

24% Anual Mes Anticipado
12% Anual Trimestre Anticipado
18% Semestre bimestre Anticipado
6% Trimestre mes Anticipado

24% Anual Mes Vencido = 24% Nominal Mes Vencido = 24%
Compuesto capitalizable Mensual

Interés Compuesto

Interés...

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