文章基本信息

标题：Financial Modeling for Investment through Anticipated Annuities in Scenarios with Floating Interest Rate
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作者：Arturo García-Santillán ; Lizette Gutiérrez-Delgado ; Celia Cristóbal-Hernández 等
期刊名称：American Journal of Applied Mathematics and Statistics
印刷版ISSN：2328-7306
电子版ISSN：2328-7292
出版年度：2015
卷号：3
期号：3
页码：93-99
DOI：10.12691/ajams-3-3-2
语种：English
出版社：Science and Education Publishing
摘要：The aim of this work focuses on showing, through a hypothetical scenario with financial calculations, how to develop an investment with constant one-year deposit and reinvestment of dividends earned. To this end, the financial model includes a type of floating interest rate throughout the year, depending on the reference interest rate indicated by the Banco de Mexico. For this reason in the hypothetical scenario we are considering changes in interest rates at the moment of reinvestment. Therefore, to make financial calculus, we utilized as reference interest rate, the interest rate TIIE (for its acronym in Spanish) Interest rate of Internal equilibrium, which is set by the “Banco de Mexico”. We utilized the formula of an annuity anticipated with cohorts, depending on the changes in the interest rate TIIE. The results obtained show the behavior of the investment over a year in which the interest earned at all times is reinvested, generating an effect known in Mexico as “anatocismo” or compounded interest.
关键词：anticipated annuities; floating rate interest; investment; savings; tiie; effective rate