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Studebaker

In: Business and Management

Submitted By fdotorres
Words 847
Pages 4
Fernando Torres
801-058449

PREGUNTAS STUDEBAKER

1. Morton señala que el $ 55.000 invertidos en la póliza de seguro de vida de prima única crecería a 176,392 dólares en 20 años para el retorno del 6 por ciento al año. Explique cómo se ha calculado ese retorno.

FV=55,000(1.06)20=176,392.4510

PV= $55,000 I= 6% N= 20 años FV= 176,392.4510

Se utilizó el valor presente de la póliza de seguro que costaba $55,000

Se calculó el valor futuro póliza con una tasa de retorno de 6% anual por un periodo de 20 años; monto total de $ 176,392.4510 al año 20.

2. Con el fin de cambiar la posición de la equidad en su casa, Studebaker tendría que sacar a 30 años, $ 75.000 de hipoteca en un 9 por ciento. Explicar cómo se obtuvieron los pagos hipotecarios anuales sobre este préstamo.

Cuota de pago mensual:
N = 30 años x 12 meses = 360
I = 9% (.09/12) = .75 tasa mensual
PV = $75,000 El pago mensual es $603.47.

Studebaker estaría pagando anualmente $7,241.60. Esto es el resultado del valor presente de $75,000 de la hipoteca, la mensualidad y la cuota. Esto sirve para calcular la anualidad.

El cálculo de Morton predecía un pago anual de $7,300. Su cálculo fue calculado con la tasa de 9% anual, en vez de con la tasa efectiva mensualmente. Por ende, resulta la diferencia de $ 58.40.

5. (A) Si el exceso de $ 30,000 fueron invertidos en un activo a largo plazo dando un 8 por ciento al año, ¿cuánto se acumularía después de 20 años?

PV = $30,000 I = 8% N = 20
Manteniendo un rendimiento fijo de 8%, el valor futuro de la inversión es $139,828.7143.

(B) Suponga Studebaker colocó $ 3,052 al año en una inversión a largo plazo el pago de 8 por ciento anual. ¿Cuánto se acumularía después de 20 años (importes invertidos al final de cada año)?

PMT = $3,052 I = 8% N = 20 años

Al final de los vente años sería un total de importe de 139,665.51.

6. Repita el problema 5, pero asume un retorno del 7 por ciento puede ser ganado.

A. PV = $30,000 I = 7% N = 20

El valor futuro de la inversión = $116,090.5339.

B. PMT = $3,052 I = 7% N = 20 años

El importe luego de dos décadas es de $ 125,118.2426.

7. Las críticas de Comer a entender que la póliza de seguro de vida de prima única es una inversión poco atractiva para Studebaker. ¿Qué sugieren las respuestas anteriores?

De Studebaker invertir el exceso de $30,000 a una tasa contante, sería de $116,090.53. Esto representa el monto total que ganaría con la inversión.

De Studebaker hacer otra inversión con un pago anual de $3,052 a una tasa de rendimiento de 7%, obtendría un monto total de $ 125,118.2426. El rendimiento total de ambas inversiones sería $241,208.7785, lo cual le daría una ganancia de 1.36% adicional a la póliza ($176,392.4510).

8. (A) Supongamos que el objetivo del Studebaker es acumular 400.000 dólares en 20 años. Asumir los 30.000 dólares se invierten en el 8 por ciento. ¿Cuánto se tiene que guardar en cantidades iguales al final de cada uno de los próximos 20 años si es capaz de ganar un 8 por ciento por año en las inversiones?

PV = $30,000 I = 8% N = 20 años FV = $ 400,000

PMT = 11,796.44979 anual

Si el objetivo es acumular $400,000 dólares en 20 años, habría que hacer un depósito anual de 11,796.4497 dólares.

9. El pago anual de la nueva hipoteca a 30 años, $ 75.000 es de $ 7.300. Este asume un pago se realiza al final de cada uno de los próximos 30 años. Supongamos que los pagos deben hacerse al final de cada mes. ¿Los 12 de estos pagos mensuales será igual a uno de los pagos anuales? Explique.

Los pago mensuales con tasa efectiva mensual serían de $608.33

Si se lleva a anualidad multiplicando por 12, sería $7,300.

10. Cuadro 3 indica que el coste anual de la póliza de seguro de vida es $ 3052. Con los ajustes mencionados en el caso, se calcula que el costo es $ 5.152 en el año 1 y $ 18.632 por año 20 suponiendo una rentabilidad anual del 7 por ciento. Explicar cómo éstas fueron resueltas.

El costo anual debe incluir el aumento en pago de hipoteca para ese año, además del aumento de los intereses perdidos durante el año.

El costo anual en el primer año es de $ 5,152, incluyendo $3,052 pagado al final del primer año, en adición a $2,100 de interés perdido en los $30,000 con una tasa de 7% de interés.

Por 20 años, el costo anual es de $18,632.

Asumiendo que este costo incrementa a razón de 7% anualmente, sería un costo total de $18,632 dólares.…...

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