Uma aplicação de matemática financeira à análise de títulos de renda fixa

Abstract

Every day, people know that there are many financial investments but most people don’t have the necessary knowledge to choose which is the best investment for their money. So, they only invest in savings accounts, maybe because it is simpler and the best known way to save money. This work shows the importance of Financial Mathematics for the knowledge about investment. Through an approach of Geometrical and Arithmetical Progression and, hence, of Financial Mathematics, some financial applications and their concepts are presented, with calculations and activities that show how to compare them. Therefore, concepts and properties of Geometrical and Arithmetical Progression and Financial Mathematics are described in this work and, as an application of these ideas, concepts and calculations of several rates are presented (equivalence of rates, effective and nominal rates, pre and post fixed rates, variable rates, referential rate), besides some financial investments (saving accounts, CDB, LCI). To consolidate this study, we show in the end of this work a suggestion with many activities that can be done in classroom to contemplate the calculations of the return on investments, showing to the student how to calculate and compare these incomes.