Determinación del valor futuro de una inversión mediante la aplicación de diversas frecuencias de capitalización en instituciones financieras.

Abstract

The present work was designed to provide relevant information about the investment options that companies or individuals can take advantage of in a financial institution, analyzing the amount, time and capitalizable interest for different frequencies of time that it is desired to invest to obtain profits. Therefore, the objective is to determine the future value of an investment over a period of three years, applying different capitalization frequencies; annual, semi-annual and quarterly, for the development of the case has been selected three financial institutions of the environment, Bank of Pichincha, Bank of the Pacific and Bank of Machala, which have determined their interest rates for each period of time. The research was developed through a documentary methodology based on an exhaustive search of scientific articles for the construction of theoretical concepts and based on a quantitative approach, a quantitative approach, because relevant data was collected for use in the respective formulas whose results were compared and analyzed and thus achieve the objective of the work. Therefore, the respective useful data was detailed for each banking entity to be used in the corresponding formula for obtaining the future value, the results obtained were compared and analyzed and the best investment alternative was selected. The data showed that the more frequent interest is capitalized in the same period and at an appropriate interest rate, the better returns will be obtained.