Ignacio Ortiz-Betancourt, Arturo García-Santillán, Cristina Solano-García, Victor Martínez-Utrera


This paper develops two scenarios, as part of a proposal that seeks to support decision making, given the notorious absence of financial literacy that have been referenced by institutions like the World Bank (2014; 2015) and the Mexican Ministry of Finance and Public Credit (SHCP, 2013), among others. This proposal is a scheme of advance annuities and a scheme of annuities with arithmetic gradient; all of them with the same interest rate and an equal number of payments. The results allowed observing different increments generated by each of the scenarios, in terms of interest generated. The best choice or at least the most attractive is an investment fund based on a scheme of annuities with arithmetic gradient which generates more profits.


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