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FINANZAS CICA LIFE

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alfredo soyano

on 5 April 2016

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Transcript of FINANZAS CICA LIFE

ACCIONES
A type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings.

- Common
- Prefer


RIESGO Y RENDIMIENTO
BONOS
A debt investment in which an investor loans money to an entity (corporate or governmental) that borrows the funds for a defined period of time at a fixed interest rate. Bonds are used by companies, municipalities, states and U.S. and foreign governments to finance a variety of projects and activities.

Bonds are commonly referred to as fixed-income securities and are one of the three main asset classes, along with stocks and cash equivalents.
FINANZAS CICA LIFE
PROYECCIONES CICA LIFE
www.investopedia.com
Es un instrumento de deuda en el cual un inversionista presta dinero a una entidad (gubernamental o corporativa), quien toma prestado el dinero por un período determinado a una tasa fija de interés. El préstamo es utilizado por municipios, estados y gobiernos extranjeros para financiar una variedad de proyectos.

Los bonos son referidos comunmente como instrumentos de renta fija.
Es un tipo de instrumento financiero negociable que establece la propiedad de una empresa y representa el derecho a recibir una parte de los activos de la empresa y sus ganancias.

- Comunes.
- Preferentes.


Tasa de Interés / Rendimiento
r = ((Vf - Vo) / Vo)
x 100
r = ((Vf - Vo) / Vo)
Vf = Vo + R x Vo
Vf = Vo x (1 + R)
www.investopedia.com
Comportamiento de la Acción de Citizens desde al año 1990
Yahoo Finance: CIA
U.S Security and Exchange Commission
(SEC)
La misión de la SEC es proteger a los inversionistas, manteniendo mercados eficientes, justos y ordenados además de ofrecer formación en capitales.


Form 10 k
Es un reporte anual requerido por la SEC que brinda un resumen comprensible del desempeño financiero de una empresa. La forma 10k incluye: historia de la empresa, estructura organizativa, subsidiarias, compensación de los ejecutivos, activos y estados financieros auditados.
Extracto del 10k de Citizens
Inversiones de Citizens al 2012
http://finance.yahoo.com
http://www.sec.gov/Archives/edgar/data/24090/000144530513000562/cia-20121231x10k.htm
Videos
http://www.investopedia.com/video/play/understanding-bonds/
http://www.investopedia.com/video/play/what-are-stocks/
http://www.investopedia.com/video/play/what-municipal-bond/
http://www.investopedia.com/video/play/treasury-bill/
http://www.investopedia.com/video/play/bond-investing/
http://www.investopedia.com/video/play/zerocoupon-bond/
http://www.investopedia.com/video/play/stocks-versus-bonds/
SEGURO DE VIDA
http://www.sec.gov
Póliza Clásica 20, SV 40.000 $, costo 1.649$
Otros beneficios (BPA, EP, BMAD), costo 341 $
Prima total, costo 2.000$
CAPITALIZACIÓN CONTINUA
Full transcript