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    The document describes the calculation of pension fund values over time using annuity formulas and discount factors. It involves calculating the individual values of four pension payments at time zero and summing them, taking into account different interest rates and time periods for each payment. Annuity and discount factors are applied to determine the present single lump sum value that equals the total of all future payments.

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    pa2 ing economica 2023

    Original Title

    PRODUCTO ACADÉMICO 01

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    The document describes the calculation of pension fund values over time using annuity formulas and discount factors. It involves calculating the individual values of four pension payments at time zero and summing them, taking into account different interest rates and time periods for each payment. Annuity and discount factors are applied to determine the present single lump sum value that equals the total of all future payments.

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    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
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    7 views8 pages

    Producto Académico 01

    Uploaded by

    bryan leon
    The document describes the calculation of pension fund values over time using annuity formulas and discount factors. It involves calculating the individual values of four pension payments at time zero and summing them, taking into account different interest rates and time periods for each payment. Annuity and discount factors are applied to determine the present single lump sum value that equals the total of all future payments.

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    © All Rights Reserved
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    of 8

    PREGUNTA 1

    P0 P1 P2 P3

    A3
    A2
    A1
    A0

    0 120 m 240 m 241 m 360 m 480 m 481 482 483 484 ... 0.4%

    F (480)

    7500
    F=

    A0 = 0.12Y F' =
    A1 = 0.12Y+(0.12*2500) = 0.12Y+300
    A2 = 0.12Y+(0.12*5000) = 0.12Y+600
    A3 = 0.12Y+(0.12*7500) = 0.12Y+900

    EL FONDO ACTUALIZADO DEBE SER IGUAL A LA SUMA DE TODAS LAS P

    P0 + P1(t=0) + P2(t=0) + P3(t=0) = F´

    [(0.12y)*(P/A,0.4%,120)]+[(0.12y+300)*(P/A,0.4%,120)*(P/F,0.4%,120)]+[(0.12y+600)*(P/A,0.4%,120)*(P/F,0.4%

    P0 = (0.12y)*(P/A,0.4%,120) Þ 11.419
    P1= (0.12y+300)*(P/A,0.4%,120)
    P1(t=0)= (0.12y+300)*(P/A,0.4%,120)*(P/F,0.4%,120) Þ 7.072
    P2= (0.12y+600)*(P/A,0.4%,120)
    P2(t=0)= (0.12y+600)*(P/A,0.4%,120)*(P/F,0.4%,240) Þ 4.3805
    P3= (0.12y+900)*(P/A,0.4%,120)
    P3(t=0)= (0.12y+900)*(P/A,0.4%,120)*(P/F,0.4%,360) Þ 2.713

    25.585
    Respuestas:
    · Primera Remuneración Mensual
    Y= 8445.10
    · Fondo de Pensiones Acumulado
    F’= 276000.00
    95.1559679

    A/i = 1875000

    F*(P/F,0.40%,480) = 275942.84

    *(P/A,0.4%,120)*(P/F,0.4%,240)]+[(0.12y+900)*(P/A,0.4%,120)*(P/F,0.4%,360)] = 275942.8362

    y (P/A,0.4%,120) 95.1560

    y + 17681.20 (P/F,0.4%,120) 0.6194

    y + 21902.63 (P/F,0.4%,240) 0.3836

    y + 20348.95 (P/F,0.4%,360) 0.2376

    y + 59932.77 = 276000.00
    y= 8445.10
    PREGUNTA 2

    A) P(t=0)= -600 + 400*(P/A;2%;11)*(P/F;2%;1)+50*(P/G;2%;11)*(P/F;2%;1)+900*(P/A;3%;6)*(P/F;2%;13)-40*(P/G;3%;6)*(P/F;2%;13)-600*(P/F;3%;10)*(P/F;2%;

    B) CÁLCULO DE LOS FACTORES DE EQUIVALENCIA

    (P/A;2%;11) 9.7868
    (P/F;2%;11) 24.3374
    (P/G;2%;1) 0.9804
    (P/A;3%;6) 5.4172
    (P/F;2%;13) 13.0762
    (P/F;3%;10) 0.7441
    (P/A;2%;7) 6.4720
    (P/F;2%;6) 0.8880
    (P/G;3%;6) 0.7441
    b) P0(t=0)= -600 = -600
    P1(t=0)= [(400*(P/A;2%;11)+50*(P/G;2%;11))*(P/F;2%;1)] = 5030.9909
    P2(t=0)= -[500*(P/A;2%;7)*(P/F;2%;6)] = -2873.4714
    P3(t=0)= +[(900*(P/A;3%;6)+40*(P/G;3%;6))*(P/F;2%;13)] = 4017.0061
    P4(t=0)= +[300*(P/F;3%;10)*(P/F;2%;13)] = 2918.9763
    P5(t=0)= -[900*(P/F;3%;10)*(P/F;2%;13)] = -8756.9288

    S P(t=0)= 56875.70 = -263.4269

    c) DIVIDIMOS EN PERIODOS POR LAS TASAS

    A A

    0 13 23

    P(t=0)
    2% 3%

    P t= P1 + P2

    𝐴[((1+2%)^13−1)/(2%(1+2%)^13 )]+𝐴[((1+3%)^10−1)/(3%(1+3%)^10 )] VALOR EQUIVALENTE AL


    [1/ 〖 (1+2%) 〗 ^13 ]=6496.4235 TIEMPO CERO
    P t= P1 + P2

    𝐴[((1+2%)^13−1)/(2%(1+2%)^13 )]+𝐴[((1+3%)^10−1)/(3%(1+3%)^10 )] VALOR EQUIVALENTE AL


    [1/ 〖 (1+2%) 〗 ^13 ]=6496.4235 TIEMPO CERO

    P1= A * 11.3484 + 6.5938 A

    Þ 5687.4980 = 17.9422 A

    A = 316.9905

    VALOR UNICO DE ANUALIDAD

    Respuestas:
    · VALOR EQUIVALENTE AL TIEMPO CERO = 6.5938

    · VALOR UNICO DE ANUALIDAD = 316.9905


    00*(P/F;3%;10)*(P/F;2%;13)-500*(P/A;2%;7)*(P/F;2%;6)

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