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Investigue la tasa de ahorros en tres bancos y compare las cuotas para crear un fondo equivalente al

asignado en 3 años con capitalización mensual. (Fondo de amortización).

Cuentas de ahorro popular 0.50% anual

Cuenta de ahorro banreservas 0.60% anual

Cuenta de ahorro Scotiabank 0.75% anual

S 180000
N=3 años 36
Ip=0.5% 0.000416667
Ib=0.6% 0.0005
Is=0.75% 0.000625 Datos del ejercicio

R(popular)= 4,963.64
R(banreservas)= 4,956.38
R(scotiabank)= 4,945.52
APORTE INTERES S/F AGREGADO AL /F TOTAL EN EL FONDO
1 4,963.64 - 4,963.64 4,963.64
2 4,963.64 2.07 4,965.70 9,929.34
3 4,963.64 4.14 4,967.77 14,897.11
4 4,963.64 6.21 4,969.84 19,866.95
5 4,963.64 8.28 4,971.91 24,838.87
6 4,963.64 10.35 4,973.98 29,812.85
7 4,963.64 12.42 4,976.06 34,788.91
8 4,963.64 14.50 4,978.13 39,767.04
9 4,963.64 16.57 4,980.20 44,747.24
10 4,963.64 18.64 4,982.28 49,729.52
11 4,963.64 20.72 4,984.36 54,713.88
12 4,963.64 22.80 4,986.43 59,700.31
13 4,963.64 24.88 4,988.51 64,688.82
14 4,963.64 26.95 4,990.59 69,679.41
15 4,963.64 29.03 4,992.67 74,672.08
16 4,963.64 31.11 4,994.75 79,666.83
17 4,963.64 33.19 4,996.83 84,663.66
18 4,963.64 35.28 4,998.91 89,662.57
19 4,963.64 37.36 5,000.99 94,663.57
20 4,963.64 39.44 5,003.08 99,666.65
21 4,963.64 41.53 5,005.16 104,671.81
22 4,963.64 43.61 5,007.25 109,679.06
23 4,963.64 45.70 5,009.33 114,688.39
24 4,963.64 47.79 5,011.42 119,699.81
25 4,963.64 49.87 5,013.51 124,713.32
26 4,963.64 51.96 5,015.60 129,728.92
27 4,963.64 54.05 5,017.69 134,746.61
28 4,963.64 56.14 5,019.78 139,766.39
29 4,963.64 58.24 5,021.87 144,788.26
30 4,963.64 60.33 5,023.96 149,812.23
31 4,963.64 62.42 5,026.06 154,838.28
32 4,963.64 64.52 5,028.15 159,866.44
33 4,963.64 66.61 5,030.25 164,896.68
34 4,963.64 68.71 5,032.34 169,929.02
35 4,963.64 70.80 5,034.44 174,963.46
36 4,963.64 72.90 5,036.54 180,000.00
178,690.87 1,309.13 180,000.00
APORTE INTERES S/F AGREGADO AL /F TOTAL EN EL FONDO
1 4,956.38 - 4,956.38 4,956.38
2 4,956.38 2.48 4,958.86 9,915.25
3 4,956.38 4.96 4,961.34 14,876.59
4 4,956.38 7.44 4,963.82 19,840.41
5 4,956.38 9.92 4,966.31 24,806.72
6 4,956.38 12.40 4,968.79 29,775.51
7 4,956.38 14.89 4,971.27 34,746.78
8 4,956.38 17.37 4,973.76 39,720.54
9 4,956.38 19.86 4,976.25 44,696.78
10 4,956.38 22.35 4,978.73 49,675.52
11 4,956.38 24.84 4,981.22 54,656.74
12 4,956.38 27.33 4,983.71 59,640.45
13 4,956.38 29.82 4,986.21 64,626.66
14 4,956.38 32.31 4,988.70 69,615.36
15 4,956.38 34.81 4,991.19 74,606.55
16 4,956.38 37.30 4,993.69 79,600.24
17 4,956.38 39.80 4,996.18 84,596.42
18 4,956.38 42.30 4,998.68 89,595.10
19 4,956.38 44.80 5,001.18 94,596.29
20 4,956.38 47.30 5,003.68 99,599.97
21 4,956.38 49.80 5,006.18 104,606.15
22 4,956.38 52.30 5,008.69 109,614.84
23 4,956.38 54.81 5,011.19 114,626.03
24 4,956.38 57.31 5,013.70 119,639.73
25 4,956.38 59.82 5,016.20 124,655.94
26 4,956.38 62.33 5,018.71 129,674.65
27 4,956.38 64.84 5,021.22 134,695.87
28 4,956.38 67.35 5,023.73 139,719.60
29 4,956.38 69.86 5,026.24 144,745.85
30 4,956.38 72.37 5,028.76 149,774.61
31 4,956.38 74.89 5,031.27 154,805.88
32 4,956.38 77.40 5,033.79 159,839.67
33 4,956.38 79.92 5,036.30 164,875.97
34 4,956.38 82.44 5,038.82 169,914.79
35 4,956.38 84.96 5,041.34 174,956.14
36 4,956.38 87.48 5,043.86 180,000.00
178,429.86 1,570.14 180,000.00
APORTE INTERES S/F AGREGADO AL /F TOTAL EN EL FONDO
1 4,945.52 - 4,945.52 4,945.52
2 4,945.52 3.09 4,948.61 9,894.14
3 4,945.52 6.18 4,951.71 14,845.84
4 4,945.52 9.28 4,954.80 19,800.65
5 4,945.52 12.38 4,957.90 24,758.54
6 4,945.52 15.47 4,961.00 29,719.54
7 4,945.52 18.57 4,964.10 34,683.64
8 4,945.52 21.68 4,967.20 39,650.84
9 4,945.52 24.78 4,970.30 44,621.15
10 4,945.52 27.89 4,973.41 49,594.56
11 4,945.52 31.00 4,976.52 54,571.08
12 4,945.52 34.11 4,979.63 59,550.71
13 4,945.52 37.22 4,982.74 64,533.45
14 4,945.52 40.33 4,985.86 69,519.31
15 4,945.52 43.45 4,988.97 74,508.28
16 4,945.52 46.57 4,992.09 79,500.37
17 4,945.52 49.69 4,995.21 84,495.58
18 4,945.52 52.81 4,998.33 89,493.91
19 4,945.52 55.93 5,001.46 94,495.37
20 4,945.52 59.06 5,004.58 99,499.95
21 4,945.52 62.19 5,007.71 104,507.66
22 4,945.52 65.32 5,010.84 109,518.50
23 4,945.52 68.45 5,013.97 114,532.48
24 4,945.52 71.58 5,017.11 119,549.58
25 4,945.52 74.72 5,020.24 124,569.82
26 4,945.52 77.86 5,023.38 129,593.20
27 4,945.52 81.00 5,026.52 134,619.72
28 4,945.52 84.14 5,029.66 139,649.38
29 4,945.52 87.28 5,032.80 144,682.19
30 4,945.52 90.43 5,035.95 149,718.14
31 4,945.52 93.57 5,039.10 154,757.23
32 4,945.52 96.72 5,042.25 159,799.48
33 4,945.52 99.87 5,045.40 164,844.88
34 4,945.52 103.03 5,048.55 169,893.43
35 4,945.52 106.18 5,051.71 174,945.14
36 4,945.52 109.34 5,054.86 180,000.00
178,038.84 1,961.16 180,000.00

Como podemos visualizar, el fondo de amortización que nos convendría más es utilizar una cuenta
de ahorro del banco Scotiabank, la cual nos genera la mayor cantidad de interés debido a que posee
una tasa mayor que el resto de los bancos evaluados.

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