Para saber a resposta do exercício da aula anteri=
or,
acesse: http://=
www.guiafacilcdc.com.br/aula/r_aula8.mht
Para visualizar a aula anterior, acesse: http://www.guiafacil=
cdc.com.br/aula/aula8.mht
AULA DA SEMANA
Séries
uniformes de pagamentos (Determinando o valor futuro com a função VF).
Para encontrar o valor futuro de uma
aplicação, soma-se a taxa de juros ao número 1 e a ele=
va
ao tempo menos o número 1. Depois se divide o resultado da conta
anterior pela taxa de juros, para multiplicá-lo pelo valor do pagame=
nto.
Suponha que uma pessoa resolva aplicar R$ 500,00 por
mês, durante 60 meses, com correção mensal de 0,5%. Qual
será o valor do montante?
Para resolver esse problema, faz-se necessário
descobrir o valor futuro (VF). Então:
Fórmula V=
F
![](3D"aula9_arquivos/image002.gif")
Notação:
|
VF
|
Valor Futuro (Montante)
|
|
Pgto
|
Valor das Mensalidades (Valor do Depósito)=
|
|
Nper
|
Tempo em Meses (Número de Parcelas)<=
/span>
|
|
i
|
Taxa de Juros
|
Resolvendo o
exercício acima com a fórmula
![](3D"aula9_arquivos/image004.gif")
Portanto, o valor do montante será de aproximadam=
ente
R$ 34.885,02 (Trinta e Quatro Mil e Oitocentos e Oitenta e Cinco Reais e Do=
is
Centavos).
O que a fó=
;rmula
está fazendo
|
Depósito
inicial
|
à
|
<=
span
style=3D'mso-spacerun:yes'> R$ 500,00 <=
o:p>
|
|
Mês<=
/p>
|
Valor anterior corrigido
|
|
Saldo real=
|
|
2
|
<=
span
style=3D'mso-spacerun:yes'> R$ &nbs=
p;
502,50
|
<=
span
style=3D'mso-spacerun:yes'> R$ 1.002,50
|
|
3
|
<=
span
style=3D'mso-spacerun:yes'> R$ &nbs=
p;
1.007,51
|
<=
span
style=3D'mso-spacerun:yes'> R$ 1.507,51
|
|
4
|
<=
span
style=3D'mso-spacerun:yes'> R$ &nbs=
p;
1.515,05
|
<=
span
style=3D'mso-spacerun:yes'> R$ 2.015,05
|
|
5
|
<=
span
style=3D'mso-spacerun:yes'> R$ &nbs=
p;
2.025,13
|
<=
span
style=3D'mso-spacerun:yes'> R$ 2.525,13
|
|
6
|
<=
span
style=3D'mso-spacerun:yes'> R$ &nbs=
p;
2.537,75
|
<=
span
style=3D'mso-spacerun:yes'> R$ 3.037,75
|
|
.
.
.
.
|
|
60
|
<=
span
style=3D'mso-spacerun:yes'> R$ &nbs=
p;
34.385,02
|
<=
o:p>
|
<=
span
style=3D'mso-spacerun:yes'> R$ 34.885,02
|
|
Valor anterior corrigido: Depósito
inicial (ou Novo depósito inicial) * i
Saldo real: <=
/span>Valor anterior corrido + Depósito inicial=
Novo depósito inicial: Saldo real do
mês anterior
|
EXERCÍCIO=
Quanto terá uma pessoa que investir R$ 150,00 por
mês, durante 10 anos, em uma aplicação com
correção mensal de 0,6%?
Para saber a resposta da questão acima, acesse: http://www.guiafac=
ilcdc.com.br/aula/r_aula9.mht
Próxima a=
ula: Média Aritmétic=
a.
Nota geral: A aplicação de =
todos
os exercícios no programa Excel será ensinada futuramente.
Prof. Raphael Trevizam
E-mail. adm@guiafacilcdc.com.br
Cel. (19) 9677-0888<=
/span>
Aula 9
Data de criação:
02/03/2008
Previsão para a
substituição: 09/03/2008
Data de revisão: 10/05/2=
010
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