Juros: Conceitos Básicos (Interest Rates: Basic Concepts)

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Questions and Answers

Qual é o tipo de juro que não considera o efeito de capitalização?

  • Juro efetivo
  • Juro simples
  • Juro composto
  • Juro nominal (correct)

O que é o juro efetivo?

  • O juro que é calculado apenas sobre o valor principal
  • O juro que é calculado sobre o valor principal e os juros acumulados
  • O juro que considera o efeito de capitalização (correct)
  • O juro 计ado apenas sobre o valor principal inicial

Quais são os dois tipos de juros calculados?

  • Juro composto e juro efetivo
  • Juro simples e juro composto (correct)
  • Juro nominal e juro efetivo
  • Juro simples e juro nominal

Qual é a fórmula para calcular o juro composto?

<p>A = P(1 + r/n)^(nt) (D)</p> Signup and view all the answers

O que é a capitalização contínua?

<p>A capitalização realizada em intervalos contínuos (C)</p> Signup and view all the answers

Qual é a fórmula para calcular o juro composto com capitalização contínua?

<p>A = Pe^(rt) (C)</p> Signup and view all the answers

Qual é o gráfico que representa a relação entre os juros e o tempo de maturação?

<p>Curva de juros (D)</p> Signup and view all the answers

Quais são os tipos de curvas de juros?

<p>Normal, invertida e plana (B)</p> Signup and view all the answers

Como os juros afetam a investimento?

<p>Os juros afetam o retorno de investimento (A)</p> Signup and view all the answers

Como os juros afetam o custo de empréstimo?

<p>Os juros aumentam o custo de empréstimo (C)</p> Signup and view all the answers

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Study Notes

Juros (Interest Rates)

Types of Interest Rates

  • Nominal Interest Rate: The rate of interest charged on a loan, without considering the compounding effect.
  • Effective Interest Rate: The rate of interest that takes into account the compounding effect, resulting in a higher interest rate.

Simple Interest vs. Compound Interest

  • Simple Interest: Interest calculated only on the initial principal amount.
  • Compound Interest: Interest calculated on both the initial principal amount and any accrued interest.

Formula for Compound Interest

A = P(1 + r/n)^(nt)

  • A: Future value
  • P: Principal amount
  • r: Nominal interest rate
  • n: Number of times interest is compounded per year
  • t: Time in years

Continuous Compounding

  • Continuous Compounding: Interest is compounded continuously, rather than at discrete intervals.
  • Formula: A = Pe^(rt)

Yield Curve

  • Yield Curve: A graphical representation of the relationship between interest rates and time to maturity.
  • Types of yield curves:
    • Normal Yield Curve: Long-term interest rates are higher than short-term interest rates.
    • Inverted Yield Curve: Short-term interest rates are higher than long-term interest rates.
    • Flat Yield Curve: Interest rates are similar across different time periods.

Applications of Interest Rates

  • Investing: Interest rates affect the return on investment.
  • Borrowing: Interest rates affect the cost of borrowing.
  • Risk Management: Interest rates are used to manage risk in financial markets.

Note: These notes provide a concise overview of the key concepts related to interest rates in financial mathematics.

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