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Sección 3: Funciones financieras básicas 47
File name: hp 12c_user's guide_Spanish_HDPMBF12S31 Page: 47 of 208
Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm
Ejemplo 2:
Esperando el momento de jubilarse, desea acumular 60.000 € después de 15
años haciendo depósitos en una cuenta que paga un interés del 9
3
/
4
% capitalizado
semestralmente. Usted abre la cuenta con un depósito de 3.200 € y piensa hacer depósitos
semestrales, empezando seis meses después, procedentes de sus cheques de paga de
beneficios. Calcule de qué valor deben ser estos depósitos.
Pulse Pantalla
fCLEARG
15\2µw
30,00
Calcula y almacena n.
9,75\2
4,88
Calcula y almacena i.
3200Þ$
–3200,00
Almacena PV (con el signo menos para el
dinero pagado).
60000M
60.000,00
Almacena FV.
60.000,00
Establece el modo de pago End.
P
–717,44
Pago semestral (con signo menos para el
dinero pagado).
Calcular el valor futuro
1. Pulse
f
CLEAR
G
para borrar los registros financieros.
2. Introduzca el número de pagos o períodos mediante
n
o
A
.
3. Introduzca la tasa de interés periódica, mediante
¼
o
C
.
4. Introduzca uno de los siguientes valores, o ambos:
z
Valor actual, mediante
$
.
z
Importe del pago, mediante
P
.
Nota:
Recuerde que debe
respetar la convención de
signos de los flujos de caja.
5. Si se introdujo un PMT, pulse
o
para establecer el modo de pago.
6. Pulse
M
para calcular el valor futuro.
47


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