ACT 4.

2 Valor del dinero en el tiempo

( 1.1 )10−1
VFA= $400 [ 0.10 ] = 400(15.937424)= 6,374.97

( 1.05 )5 −1
VFA=$200 [ 0.05 ]
=200(5.52563125)= 1,105.26

4.8

1.110 −1
VFA(ANT)= $400 { 0.10 }x (1.1)

= $400(15.937424601x1.1)
=$400(17.5311670611)
= $7,012.46
 1.055 −1
VFA(ANT)= $200 { 0.05 }
x (1.05)

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

4.9

1
VPA= $400
[ 1−
]
(1.1)10 = 400(6.14457)= $2,457.83
0.10

1
VPA= $200
[ 1−
]
(1.05)5 = 200(4.32948)= $ 865.89
0.05

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

1
VPA(ANT)= $200
[ 1−
(1.05)5 x(1.05)
0.05
=200(4.32948) (1.05)
]
=200(4.545954) = $909.19
 4.11

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

4.18

• Calcular el valor presente anualidad ordinaria

1
VPA= $1205.55
[ 1−
]
(1. 03)3 = 1,205.55(2.829533)= $3,411.14
0 . 03

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

A) Debería seleccionar los 54 millones hoy

B) A un 0%