Claret School of Quezon City

Mahinhin Street U.P. Village Diliman Quezon City

2nd Term, SY: 2015 – 2016

Performance in Math IV
“Investments”

Submitted by:
13: CASTRO, Simon Andrew T.
25: LICERALDE, Gabriel A.

12 – Saint Dominic of Guzman

Submitted to:
Mr. Geoffrey B. Masa

Date of Submission
February 5, 2016
 A. Presentation of data with its graph
PART I. (Bank Investment)

𝑟 nt
Exponential Equation Model: A= P (1+ 𝑛)
NAME OF TYPE OF Annual Equation representing Equation representing
BANK/ ACCOUNT Interest total amount of 5 yrs. total amount of 10 yrs.
INSTITUTION Rate
China Banking Time Deposit 2.250% A=500000(1+
0.02250 1(5)
) A=500000(1+
0.02250 1(10)
)
1 1
Corporation (Money LIFT)
Land Bank Of Time Deposit 1% .01
A=500000(1+ 1 )1(5)
.01
A=500000(1+ 1 )1(10)
The Philippines

China Banking Corporation

1. Chinabank Head Office (8745 Paseo De Roxas cor. Villar Street Makati
City)
2. Ma. Giselle A. Liceralde, Senior Manager (Business Process Management
Division)
3. January 23, 2016

5 Years 10 Years
0.02250 1(5) 0.02250 1(10)
A = 500,000(1+ ) A = 500,000(1+ )
1 1

= 500,000(1+0.0225) 1(5) = 500,000(1+0.0225) 1(10)

= 500,000(1+0.0225) 5 = 500,000(1+0.0225) 10
= 500,000(1.0225) 5 = 500,000(1.0225) 10
= 500,000(1.117677693) = 500,000(1.249203426)
A = Php 538,838.85 A = Php 624,601.71

538,838.85 – 500,000 = 500000x 624,601.71 – 500,000 = 500,000x

38,838.85 = 500,000x 124,601.71 = 500,000x
0.0776777 = x 0.24920342 = x
7% = x 24% = x
Land Bank Of The Philippines
1. Land Bank of the Philippines Head Office
2. Mrs. Jaqcueline Tan Cabuay
3. January 23, 2016

5 Years 10 Years
.01 .01
A = 500,000(1+ 1 )1(5) A = 500,000(1+ 1 )1(10)

= 500,000(1+0.01) 1(5) = 500,000(1 + 0.01)1(10)

= 500,000(1+0.01)5 = 500,000(1.01)10
= 500,000(1.05101005) = 500,000(1.104622125)
= Php 525,505.25 = Php 552,311.25

525,505.25 – 500 000 = 500 000x 552,311.25 – 500,000 = 500,000x

25,505 = 500,000x 52,311.25 = 500,000x
0.05101 = x 0.1046225 = x
5% = x 10% = x
GRAPH
China Banking Corporation

Land Bank of the Philippines

Reflections:
A.
1. Describe the experience you had during the visit to the two different banks.
- Honestly, we didn’t visit Chinabank because Mrs. Liceralde, mother of Gabriel
Liceralde, works there. Interview was made at home by Mr. Liceralde. For the
second bank, we visited Land Bank of the Philippines to interview Mr. Cabuay’s
Mom. Visiting a bank made us nervous because, it’s not every day we had the
chance to go to banks and interview bank officers.
2. What is/ are the importance/s of investing money in a bank?
- Investing is one way to achieve financial security. Investing earns you a
higher interest rate than depositing in a savings account. It secures our future.
The importance of investing money in a bank is that we know our money is
safe and at the same time increasing because of the interest given by the bank.
3. How would you value money as one of the necessities of a person?
- 2 things: First of all, you need to love what gives you money. For example,
your job, a sponsor, or your dad. Because you will need money for literally
everything. For your education, your hobby and your leisure. Second, you need
to save money. Spending money for no reason at all won't bring you nowhere.
Many rich people lost all their properties because of not saving money. All they
do is just spend, spend and spend, without even thinking of the future. Save
money and avoid too much expenses and spending on things you don't really
need. Know your "wants" and your "needs".
4. How do we consider a gadget as a good investment?
- We can consider the gadget as a good investment when the gadget exceeds
our expectations. A gadget nowadays is daily essential. A person not having a
gadget these days is like a person without a limb or a missing body part. A
gadget is used to make your life easier. It’s a god investment when it comes to
utility and usefulness.
5. What do you think are the factors of depreciation of a specific gadget?
- The first factor of depreciation of a specific gadget is the continuous
development of technology. In the next few months, there will be a better
performing gadgets that will be available in the market. Another factor is
affordability. If one brand/company created a gadget with a good performance
and sells it for a higher price, other companies will create the same gadget with
the same or better performance at a cheaper price so that people can afford it.
Part II. (Gadgets)

Gadget: Cellphone/Smartphone
Unit: iPhone 5s 16gb
Date purchased: November 2013
Price: Php 32,000.00
Date sold: February 2016
Price: Php 23,590.00

A = ce-kt
Nov. 2013 to Feb 2016 = 28 months
1 𝑦𝑒𝑎𝑟
28 months • 12 𝑚𝑜𝑛𝑡ℎ𝑠 = 2.33

23,590 = 32,000 e-k(2.33)

23590 32000e -k(2.33)
=
32000 32000

= 0.737
= ln (0.737) = (e-k(2.33) )
= ln 0.737 = ln e-k(2.33)
= -0.305 = -k(2.33)ln e
= -0.305 = -2.33k
−0.305 −2.33𝑘
= =
−2.33 −2.33

k = 0.131
rate of depreciation = 13.1%

2013 = Php 32,000 After 2 years: After 5 years:

2016 = Php 23,590 2018 2021
t=5 t=8
 Type of Unit of Gadget Annual Rate Equation representing Equation representing
Gadget of total amount after 2 total amount after 5
Depreciation years years
Cellphone / iPhone 5s 16gb 13.1% A = 32000e(-0.131)(5) A = 32000e(-0.131)(8)
Smartphone

1. How much will be the price of the gadget after 2 years?

2. What is the percentage of depreciation after 2 years?
After 2 years: Percentage of Depreciation
𝑂𝑟𝑖𝑔𝑖𝑛𝑎𝑙 𝑝𝑟𝑖𝑐𝑒−𝐶𝑢𝑟𝑟𝑒𝑛𝑡 𝑃𝑟𝑖𝑐𝑒
A = 32000e(-0.131)(5) = (100)
𝑂𝑟𝑖𝑔𝑖𝑛𝑎𝑙 𝑃𝑟𝑖𝑐𝑒

32,000−16,622.15
A = 32000e(-0.655) = (100)
32,000

A = 16,622.15 = 48.06%

3. How much will be the price of the gadget after 5 years?

4. What is the percentage of depreciation after 5 years?
After 5 years: Percentage of Depreciation
𝑂𝑟𝑖𝑔𝑖𝑛𝑎𝑙 𝑝𝑟𝑖𝑐𝑒−𝐶𝑢𝑟𝑟𝑒𝑛𝑡 𝑃𝑟𝑖𝑐𝑒
A = 32000e(-0.131)(8) = (100)
𝑂𝑟𝑖𝑔𝑖𝑛𝑎𝑙 𝑃𝑟𝑖𝑐𝑒

32,000−11,198.01
A = 32000e(-1.05) = (100)
32,000

A = 11,198.01 = 65.01%
Sources:

http://philnews.ph/2013/09/11/iphone-5s-announced-features-specs-and-
philippine-prices/

http://www.apple.com/ph/shop/buy-iphone/iphone5s/16gb-space-gray