martes, 14 de julio de 2009

Fórmula de Valor Presente VPA() - Excel

Seguimos con el análisis y expansión de las fórmulas de excel. En este caso veremos una de las fórmulas financieras básicas: la fórmula para obtener el valor presente de pagos periódicos futuros.

Valor Actual - Valor Presente

La siguiente hoja permite calcular y entender el resultado de la fórmula de Valor Presente VA. Ej ejemplo muestra a través de un gráfico, los elementos que se incluyen en la fórmula. Es decir la secuencia de los pagos periódicos y la posible inclusión de un pago realizado en el último periodo.

Los resultados coinciden con aquellos que pueden ser obtenidos realizando el ejercicio descontando los valores periodo a periodo.

Adicionalmente el gráfico puede ser actualizado para representar el ejercicio. Por comodidad el ejemplo admite modelos de hasta 120 periodos, que dependiendo del usuario pueden ser mensuales, trimestrales o anuales. La única consideración que se debe tener es la de coincidir la periodicidad de los pagos con los de la tasa de interés. Finalmente, el último argumento a considerar por la fórmula, indica la convención acerca del momento en que se realizan los pagos PERIÓDICOS, que puede tomar el valor de cero para pagos periódicos ejecutados a final de periodo, y uno si los pagos periódicos se realizan a comienzo de periodo. En cualquiera de las dos opciones, el pago final se considera como lo dice su definición , al FINAL del último periodo.

NOTA: Habilitar macros para poder actualizar el gráfico automáticamente de acuerdo al número de periodos.

Ejemplo en Excel 2007

Ejemplo para Excel 2003 y XP

Versión en Inglés

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