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INTERES SIMPLE SIEMPRE ME VAN A PAGAR INTERESES SOBRE EL CAPITAL INICIAL

INVERSION 1,000,000
TASA INTERES SI 3% TRIMESTRAL VP 1,000,000.00
PLAZO 1 AÑO VF 1,120,000.00
n 4 TRIMESTRAL i 3%
n 4
INTERESES 120,000.00

PERIODO
(TRIMESTRAL) SALDO INICIAL INTERESES SALDO FINAL
0 1,000,000.00 0.00 1,000,000.00
1 1,000,000.00 30,000.00 1,030,000.00
2 1,030,000.00 30,000.00 1,060,000.00
3 1,060,000.00 30,000.00 1,090,000.00
4 1,090,000.00 30,000.00 1,120,000.00
120,000.00

INVERSION 23,000,000 VP 23,000,000.00


TASA INTERES SI 2.40% MENSUAL VF 29,624,000.00
PLAZO 12 MESES i 2.40%
n n 12
INTERESES 6,624,000.00
PERIODO
(MENSUAL) SALDO INICIAL INTERESES SALDO FINAL
0 23,000,000.00 0.00 23,000,000.00
1 23,000,000.00 552,000.00 23,552,000.00
2 23,552,000.00 552,000.00 24,104,000.00
3 24,104,000.00 552,000.00 24,656,000.00
4 24,656,000.00 552,000.00 25,208,000.00
5 25,208,000.00 552,000.00 25,760,000.00
6 25,760,000.00 552,000.00 26,312,000.00
7 26,312,000.00 552,000.00 26,864,000.00
8 26,864,000.00 552,000.00 27,416,000.00
9 27,416,000.00 552,000.00 27,968,000.00
10 27,968,000.00 552,000.00 28,520,000.00
11 28,520,000.00 552,000.00 29,072,000.00
12 29,072,000.00 552,000.00 29,624,000.00
6,624,000.00

INVERSION 10,000,000
TASA INTERES SI 1.20% MENSUAL VP 10,000,000.00
PLAZO 5 MESES VF 10,600,000.00
n 5 i 1.20%
n 5
INTERESES 600,000.00

PERIODO
(TRIMESTRAL) SALDO INICIAL INTERESES SALDO FINAL
0 10,000,000.00 0.00 10,000,000.00
1 10,000,000.00 120,000.00 10,120,000.00
2 10,120,000.00 120,000.00 10,240,000.00
3 10,240,000.00 120,000.00 10,360,000.00
4 10,360,000.00 120,000.00 10,480,000.00
5 10,480,000.00 120,000.00 10,600,000.00
600,000.00

EJERCICIO CON FORMULA


VP 10,000,000.00
VF 10,600,000.00
i 1.20%
n 5
INTERESES 600,000.00

1. DAVIVIENDA
VP 2,000,000.00
n 6M
i 0.85% M
VF ?
VF 2,102,000.00

AL FINAL DEL PERIODO LE DEBE A DAVIVIENDA $ 2,102,000

2.
VP 7,400,000.00
VF 8,000,000.00
i 2% TRIMESTRAL
n ?
n 4.05

AL FINAL DE 4,05 TRIMESTRES 7.400.000 SE CONVERTIRAN EN 8.000.000


3.
VP 3,200,000.00
VF 4,000,000.00
n 2 AÑOS
i ?
i 12.50%

LA TASA DE INTERES QUE SE DEBE APLICAR PARA OBTENER EL VALOR FUTURO SERA DEL 0,125%

4.
n 18 MESES
VF 5,600,000.00
i 1.20% MENSUAL
VP ?
VP 4,605,263.16

PARA AL CABO DE 18 MESES OBTENER 5.600.000 DEBO DE INVERTIR HOY 4.605.263

5.
VP 1,100,000.00
i 3.50% TRIMESTRES
n 21 MESES
n 7 TRIMESTRES
VF ?
VF 1,369,500.00

AL CABO DE 7 TRIMESTRES DEBE RETIRAR 1.369.500


INTERES COMPUESTO SIEMPRE ME VAN A PAGAR INTERESES SOBRE EL INICIAL DE C
INVERSION 1,000,000
TASA INTERES 3% TRIMESTRAL
PLAZO 1 AÑO
n 4 TRIMESTRAL

PERIODO
(TRIMESTRAL
) SALDO INICIAL INTERESES SALDO FINAL
0 1,000,000.00 0.00 1,000,000.00
1 1,000,000.00 30,000.00 1,030,000.00
2 1,030,000.00 30,900.00 1,060,900.00
3 1,060,900.00 31,827.00 1,092,727.00
4 1,092,727.00 32,781.81 1,125,508.81
125,508.81

INVERSION 23,000,000
TASA INTERES 2.40% MENSUAL
PLAZO 12 MESES
n

PERIODO
(MENSUAL) SALDO INICIAL INTERESES SALDO FINAL
0 23,000,000.00 0.00 23,000,000.00
1 23,000,000.00 552,000.00 23,552,000.00
2 23,552,000.00 565,248.00 24,117,248.00
3 24,117,248.00 578,813.95 24,696,061.95
4 24,696,061.95 592,705.49 25,288,767.44
5 25,288,767.44 606,930.42 25,895,697.86
6 25,895,697.86 621,496.75 26,517,194.61
7 26,517,194.61 636,412.67 27,153,607.28
8 27,153,607.28 651,686.57 27,805,293.85
9 27,805,293.85 667,327.05 28,472,620.90
10 28,472,620.90 683,342.90 29,155,963.81
11 29,155,963.81 699,743.13 29,855,706.94
12 29,855,706.94 716,536.97 30,572,243.90
7,572,243.90

INVERSION 10,000,000
TASA INTERES 1.20% MENSUAL
PLAZO 5 MESES
M n 5
M

PERIODO
(TRIMESTRAL
) SALDO INICIAL INTERESES SALDO FINAL
0 10,000,000.00 0.00 10,000,000.00
1 10,000,000.00 120,000.00 10,120,000.00
2 10,120,000.00 121,440.00 10,241,440.00
3 10,241,440.00 122,897.28 10,364,337.28
4 10,364,337.28 124,372.05 10,488,709.33
5 10,488,709.33 125,864.51 10,614,573.84
614,573.84

EJERCICIO CON FORMULA


VP 10,000,000.00 VP
VF 10,614,573.84 VF
i 1.20% i
n 5 n
INTERESES 614,573.84 INTERESES

VP 10,000,000.00 VP
VF 10,614,573.84 VF
i ? i
n 5 n
INTERESES 614,573.84 Ln (VF/VP)
Ln (1+i)
´Ln (VF/VP) /´Ln (1+i)

EJERCICIOS CON FORMULAS EXCEL

VP 10,000,000.00 VP
VF -10,614,573.84 VF
i 1.20% i
n 5 n

VP 10,000,000.00 VP
VF -10,614,573.84 VF
i 1.20% i
n 5 n

1.
VF 1,000,000.00
VP $873,438.73
i 7% TRIMESTRAL
n 6 MESES
2 TRIMESTRAL

2.
VF 6,200,000.00
VP 5,000,000.00
i 24% ANUAL
n 1 AÑO

3. AL CABO DE 5 AÑOS TIENE AHORRADO 6.414.270,94


VF 6,414,270.94
VP 2,000,000.00
i 6% TRIMESTRAL
n 5 AÑOS
20 TRIMESTRAL

4.
VF 40,025,810.00
VP 25,000,000.00
i 4% MENSUAL
n 12

5. LA TASA DE INTERES QUE SE DEBE COBRAR ES DEL 2%


VF 6,292,700.00
VP 3,000,000.00
i 2%
n 2, 1/2 AÑOS
30 MESES

6. AL CABO DE AÑO Y TRES MESES PUEDE RETIRAR 4.780.289,25


VF $4,780,289.25
VP 3,500,000.00
i 2% MENSUAL
n 1 AÑO Y 3 MESES
n 15 MESES

7. PARA RETIRAR 7.000.000 SE DEBE CONSIGNAR POR 32 TRIMESTRES


VF 7,000,000.00
VP 1,300,000.00
i 5.40% TRIMESTRAL
n 32

8.
VF 80,000,000.00
VP 35,000,000.00
i 17.98%
n 5 AÑOS

9.
VF 12,000,000.00
VP 6,483,226.61
i 8% SEMESTRAL
n 8 SEMESTRES
ESES SOBRE EL INICIAL DE CADA PERIODO

VP 1,000,000.00
VF 1,125,508.81
i 3%
n 4
INTERESES 125,508.81

VP 23,000,000.00
VF 30,572,243.90
i 2.40%
n 12
INTERESES 7,572,243.90

VP 10,000,000.00
VF 10,614,573.84
i 1.20% M
n 5M
INTERESES 614,573.84

10,000,000.00
10,614,573.84
1.20%
5
614,573.84

10,000,000.00
10,614,573.84
1.20%
?
1.06 0.059642854
1.01 0.0119285709
5 MESES

-10,000,000.00
10,614,573.84
1.20%
5

-10,000,000.00
10,614,573.84
1.20%
5
1.
CUOTA 1,300,000.00
i 2.75% MENSUAL X
n 3y8 MESES 3
1,300,000.00

X = 1.300.000 (1+1,5%)^-3 + 1.300.000 (1+1,5%)^-8


X= 1,198,389.13 1,046,378.26
X= 2244767.39

PERIODO EGRESOS
(MESES)
0 0.00
1 0.00
2 0.00
3 1,300,000.00
4 0.00
5 0.00
6 0.00
7 0.00
8 1,300,000.00
VNA $2,244,767.39

CUOTA 1,500,000.00 X
CUOTA 1,110,000.00 4
i 2.8% MENSUAL 1,500,000.00
n 4y8 MESES

X = 1.500.000 (1+2,8%)^-4 + 1.110.000 (1+2,8%)^-8


X= 1,343,132.32 889,975.52
X= 2233107.84

PERIODO EGRESOS
(MESES)
0 0.00
1 0.00
2 0.00
3 0.00
4 1,500,000.00
5 0.00
6 0.00
7 0.00
8 1,110,000.00
VNA $2,233,107.84
2.

i 2.40%

PERIODO EGRESOS
(MESES) X
0 1,250,000.00 0 3
1 0.00 1,250,000.00 850,000.00
2 0.00
3 850,000.00
4 0.00
5 1,000,000.00 X = 1.250.000 (1+2,4%)^-0 + 850.000 (1+2,4%)^-3 + 1.000.000 (1+2,
6 0.00 X= 1,250,000.00 791,624.19
7 0.00 X= 4170573.53
8 1,500,000.00
VNA $4,170,573.53

3.
VP 3,200,000.00
i 1.5% 3,200,000
n 6 y 12 MESES 6
X

FF(0)
3200000 = X (1+1,5%)^-6 + X (1+1,5%)^-12
3.200.000 = X 0,91 + X 0,84 0.91454219 0.836387422
3.200.000 = X (0,91 + 0,84)
3.200.000 = X 1,75
3200000 = X
1.75
1,827,600.59
PERIODO
(MESES) INGRESOS EGRESOS
0 3,200,000.00 0.00
1 0.00 0.00
2 0.00 0.00
3 0.00 0.00
4 0.00 0.00
5 0.00 0.00
6 0.00 1,827,600.59
7 0.00 0.00
8 0.00 0.00
9 0.00 0.00
10 0.00 0.00
11 0.00 0.00
12 0.00 1,827,600.59
VNA 3,200,000.00

4.
i 0.98%

PERIODO INGRESOS EGRESOS


(MESES) 5,200,000
0 5,200,000.00 1,200,000.00 0
1 0.00 0.00 1,200,000.00
2 0.00 0.00
3 0.00 0.00
4 0.00 2,120,115.84
5 0.00 0.00 5.200.000 = 1.200.000 + X (1+0.98%)^-4 + X (1+0.98%)^-8
6 0.00 0.00 5.200.000 - 1.200.000 = X 0.9617419
7 0.00 0.00 4.000.0000 = X (0,9617419 + 0,9249475)
8 0.00 2,120,115.84 4.000.000 = X 1.8866894
VNA $5,200,000.00 $5,200,000.00 4.000.000 = X
1.8866894
2,120,115.84 = X

5.
i 2.50%

PERIODO EGRESOS
(MESES) X
0 0.00 3
1 0.00 3,800,000.00
2 0.00
3 3,800,000.00 X = 3.800.000 (1+2,5%)^-3 + 2.200.000 (1+2,5%)^-5
4 0.00 X= 3,528,677.76 1,944,479.43
5 2,200,000.00 X= 5473157.19
VNA 5,473,157.19

PERIODO EGRESOS
(MESES) 5,473,157.19
0 0.00 4
1 0.00 X
2 0.00
3 0.00 FF(0)
4 3,095,243.83 5.473.157,19 = X (1+2,5%)^-4 + X (1+2,5%)^-6
5 0.00 5.473.157,19 = X 0.905950645
6 3,095,243.83 5.473.157,19 = X 1.768247511
VNA $5,473,157.19 5.473.157,19 = X
1.768247511
3,095,243.83
8
1,300,000.00

8
1,110,000.00
5 8
1,000,000.00 1,500,000.00

0.000 (1+2,4%)^-3 + 1.000.000 (1+2,4%)^-5 + 1.500.000 (1+2,4%)^-8


888,178.42 1,240,770.92

12
X
4 8
X X

.98%)^-4 + X (1+0.98%)^-8
0.9249475
5
2,200,000.00

200.000 (1+2,5%)^-5

6
X

X (1+2,5%)^-6
0.86229687
1. i: 3%
X
PERIODO EGRESOS
(MESES) 4 12
0 0.00 1,000,000.00 2,500,000.00
1 0.00
2 0.00
3 0.00 X = 1.000.000 (1+3%)^6 + 2.500.000 (1+3%)^-2 + 3.000.000 (1+3.5%)^-3
4 1,000,000.00 X= 1,194,052.30 2,356,489.77 2,550,502.51
5 0.00 X= 6,101,044.58
6 0.00
7 0.00
8 0.00
9 0.00 VF 1,000,000.00 VF
10 0.00 i 3% i
11 0.00 n 6 n
12 2,500,000.00 VP VP
13 2,500,000.00
14 0.03
15 3,000,000.00
VNA 6,269,900.96

2.
i: 2.08%
PERIODO INGRESOS EGRESOS
(MESES) 3,500,000
0 3,500,000.00 0.00 6 10
1 0.00 0.00 X X
2 0.00 0.00
3 0.00 0.00
4 0.00 6.00
5 0.00 0.00 FF(0)
6 0.00 0.00 3.500.000 = X (1+2,08%)^-6 + X (1+2,08%)^-10 + (X (1+2,52%)^-8)*(1+2
7 0.00 0.00 3.500.000 = X 0.88380414 0.813941864
8 0.00 0.00 3.500.000 - 1.014.021 = X 2.337839307
9 0.00 0.00 2,485,979.02 = 1,063,366.08
10 0.00 0.00 2.337839307
11 0.00 0.00
12 0.00 0.00 X= 1,063,366.08
13 0.00 0.00
14 0.00 0.00
15 0.00 0.00
16 0.00 0.00
17 0.00 0.00
18 0.00 0.00
19 0.00 0.00
20 0.00 0.00
21 0.00 0.00
22 0.00 0.00
23 0.00 0.00
24 0.00 1,750,000.00
VNA 0.00 6.00
i: 3.50%

15
3,000,000.00

2 + 3.000.000 (1+3.5%)^-3 * (1+3%)-2

2,500,000.00 VF 3,000,000.00
3% i 3.50%
2 n 3
VP $2,705,828.12
VF $2,705,828.12
i 3.00%
n 2
VP $2,550,502.51

i: 2.52%

20 24
X 1,750,000.00

0 + (X (1+2,52%)^-8)*(1+2,08%)^-12 + (1.750.000 (1+2,52%)^-12*(1+2,08%)^-12


0.640093303 1014020.983
1.
R $5,000,000.00 R R
i 14% TRIMESTRAL
n 4 AÑOS
n 16 TRIMESTRAL 0 1 2
C 31,325,298.18

C = 5.000.000 1 - (1+14%)^-12
14%

C = 5.000.000 1 - 0.122891651
14%

C = 5.000.000 0.8771083491
14%

C = 5.000.000 6.2650596362

C= 31,325,298.18

2.

VALOR INICIAL $23,400,000.00 R R


i 1.5% MENSUALES
n 36 MENSUALES
PAGO $4,793,800.00 0 1 2
VA 155,999,788.45

3.

1RA OFERTA 2DA OFERTA


CONTADO 350000 CONTADO 100000
n 1 MES CUOTA 10200
i 0.60% MESES n 30 MESES
VF $350,000.00 i 0.60% MESES
VA $379,276.71
RTA: $379,276.71

4.

VA 10,000,000.00 A=P * (1 + i)^n-1 * 1


n 5 AÑOS (1 + i)^n-1 * 1
n 60
i 3%
PAGO $350,805.42

5.

n 3 AÑOS
n 6 SEMESTRALES
VA 5,000,000.00 SEMESTRALES
i 10% SEMESTRALES
VF $42,435,855.00

6.

n 48 MENSUAL
VF 3,800,000.00
i 1.20% MENSUAL
VA $139,700,036.14
R R

3 4

R R

3 4

3RA OFERTA
CUOTA 11000
n 3 AÑOS
n 36
i 0.60% MESES
VA $355,198.24
1. GRADIENTE ARITMETIVO CRECIENTE
n 15 MENSUALES P = A * (1 + i)^n -1 G (1 + i)^n -1 n
AUMENTO 10,000.00 MENSUALES (1 + i)^n *1 i (1 + i)^n *1 (1 + i)^n
CUOTA 1 420,000
i 1.50%
P= 84062.36793788 666666.667 0.2001484951

P= 84062.36793788 666666.667 -3.4254874E+28

P= -2.2836583E+34

1.A. GRADIENTE ARITMETICO DECRECIENTE


A 420,000
G 10,000.00
i 1.50% MENSUAL

PERIODO EGRESOS
0 0.00
1 420,000.00
2 410,000.00
3 400,000.00
4 390,000.00
5 380,000.00
6 370,000.00
7 360,000.00
8 350,000.00
9 340,000.00
10 330,000.00
11 320,000.00
12 310,000.00
13 300,000.00
14 290,000.00
15 280,000.00
VNA 4,707,184.24
2. GRADIENTE GEOMETRICO CRECIENTE
A 420,000
G 2% MENSUAL
i 1.50%

PERIODO EGRESOS
0 0.00
1 420,000.00
2 428,400.00
3 436,968.00
4 445,707.36
5 454,621.51
6 463,713.94
7 472,988.22
8 482,447.98
9 492,096.94
10 501,938.88
11 511,977.66
12 522,217.21
13 532,661.55
14 543,314.78
15 554,181.08
VNA 6,425,564.53

2.A. GRADIENTE GEOMETRICO DECRECIENTE


A 420,000
G 2% MENSUAL
i 1.50%

PERIODO EGRESOS
0 0.00
1 420,000.00
2 411,600.00
3 403,368.00
4 395,300.64
5 387,394.63
6 379,646.73
7 372,053.80
8 364,612.72
9 357,320.47
10 350,174.06
11 343,170.58
12 336,307.17
13 329,581.02
14 322,989.40
15 316,529.62
VNA 310,199.02

EJERCICIOS DE SIMULACION 6
1.A. GRADIENTE ARITMETICO DECRECIENTE 1.A. GRADIENTE ARITMETICO DECRECIENTE
A 5,000 A 5,000
G 720,000.00 G 720,000.00
i 1.10% MENSUAL i 1.10%
n 12 n -5033150

PERIODO EGRESOS PERIODO EGRESOS


0 0.00 0 0.00
1 720,000.00 1 720,000.00
2 715,000.00 2 715,000.00
3 710,000.00 3 710,000.00
4 705,000.00 4 705,000.00
5 700,000.00 5 700,000.00
6 695,000.00 6 695,000.00
7 690,000.00 7 690,000.00
8 685,000.00 8 685,000.00
9 680,000.00 9 680,000.00
10 675,000.00 10 675,000.00
11 670,000.00 11 670,000.00
12 665,000.00 12 665,000.00
VNA 7,752,408.51 13 660,000.00
14 655,000.00
15 650,000.00
VNA 9,438,526.18

2. GRADIENTE GEOMETRICO CRECIENTE


A 200,000
G 2% TRIMESTRAL
i 0.93% TRIMESTRAL

PERIODO EGRESOS
0 0.00
1 200,000.00
2 204,000.00
3 208,080.00
4 212,241.60
5 216,486.43
6 220,816.16
7 225,232.48
8 229,737.13
9 234,331.88
10 239,018.51
11 243,798.88
12 248,674.86
13 253,648.36
14 258,721.33
15 263,895.75
16 269,173.67
17 274,557.14
VNA 3,670,094.52

2.A. GRADIENTE GEOMETRICO DECRECIENTE


A 100,000
G 1.20% MENSUAL
i 1.40%

PERIODO EGRESOS
0 0.00
1 100,000.00
2 98,800.00
3 97,614.40
4 96,443.03
5 95,285.71
6 94,142.28
7 93,012.57
8 91,896.42
9 90,793.67
10 89,704.14
11 88,627.69
12 87,564.16
13 86,513.39
14 85,475.23
15 84,449.53
16 83,436.13
17 82,434.90
18 81,445.68
19 80,468.33
20 79,502.71
21 78,548.68
VNA $1,617,074.98
PERIODO EGRESOS
^n -1 n 0 0.00 A 420,000
)^n *1 (1 + i)^n 1 420,000.00 G 10,000.00
2 430,000.00 i 1.50% MENSUAL
3 440,000.00
3.42548739E+28 4 450,000.00
5 460,000.00
6 470,000.00
7 480,000.00
8 490,000.00
9 500,000.00
10 510,000.00
11 520,000.00
12 530,000.00
13 540,000.00
14 550,000.00
15 560,000.00
VNA $6,501,131.48
RITMETICO DECRECIENTE

MENSUAL

VA 7,752,408.51
EJEMPLO

INVERSION 1200000
TASA 1.20% TRIMESTRAL
PLAZO 1 AÑO
GANO INTERE 58,645.12

PERIODO (TRSALDO INICIAL TASA INTERE INTERESES SALDO FINAL


0 1,200,000.00 0.00 0.00 1,200,000.00
1 1,200,000.00 1.20% 14,400.00 1,214,400.00
2 1,214,400.00 1.20% 14,572.80 1,228,972.80
3 1,228,972.80 1.20% 14,747.67 1,243,720.47
4 1,243,720.47 1.20% 14,924.65 1,258,645.12
58,645.12
SUMA DE LAS TASA 4.80% NATV
VALOR INT/INVERS 4.89% EA

3.40% MENSUAL CALCULAR TASA TRIMESTRAL


40.80% NAMV TASA 40.80% NAMV
49.36% EA FORMULA 49.36% EA
49.36% EA FORMULA 42.20% NATV EXCEL
49.36% EA EXCEL 10.55% TRIMESTRAL
40.80% NAMV EXCEL

EJERCICIOS

1. 2.
TASA EFECTIV? TASA TRIMES?
TASA 32% NMV TASA 2.50%
37.14% EA 30.00%
34.49%
30.76%
7.69%

4. 5.
TASA SEMEST? TASA EFECTIV?
TASA 2% MENSUAL TASA 24%
24.00% NAMV 26.25%
26.82% EA
25.23% NASV
12.62% SEMESTRAL

7.
TASA EA ? 2.00%
TASA 15% NATA 1.96%
3.75% TA
3.90% TV 1.20%
15.58% NATV 1.21%
16.52% EA

8. 9.
TASA EA ? TASA NATV ?
TASA 8% TA TASA 28.00% EA
8.70% TV 25.46% NATV
34.78% NATV
39.59% EA

ECUACIONES DE EQUIVALENCIA CON CONVERSION DE TASAS DE INTERES

11.

INVERSION 12,000,000.00 TASA TRIMES 3.50% T


INGRESOS 800,000.00 MENSUALES 14.00% NATV
INGRESOS 2,000,000.00 TRIMESTRALES 14.75% EA
REINVERSION 1,000,000.00 MENSUALES 13.84% NAMV
REINVER CAD 6 MENSUALES 1.15% M
i 3.50% TRIMESTRALES

12.
TASA 22% NATV 32.00% EA
23.88% EA 28.09% NAMV
26.68% NAMV 2.34% M
2.22% M

PLAN A PLAN B
3.
TASA NAMV ?
M TASA 3.50% TRIMESTRAL
NAMV 14.00% NATV
EA 14.75% EA
NATV 13.84% NAMV
TRIMESTRAL

6.
TASA NATV ?
NATV TASA 1.50% MENSUAL
EA 18.00% NAMV
19.56% EA
18.27% NATV
MV 13% NAMV 13.00% NAMV
MA ? NAMA 1.08% MV
1.07% MA
MA 12.86% NAMA
MV

10.
TASA TA ?
TASA 0.98% MV
11.76% NAMV
12.42% EA
11.88% NATV
2.97% TV
2.88% TA

ASAS DE INTERES

28.00% NASV
29.96% EA
26.49% NAMV
2.21% M

PLAN C

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