Podríamos hacer también una última observación, y es que los planes, entre más cortos, requieren un mayor esfuerzo mensual por parte del consumidor, pues tienen cuotas más altas. Aquellas transacciones de cuotas que se encuentren en la etapa de ahorro. Para efectos de costo es lo mismo, la diferencia radica en que el INVU no efect

Este es un problema común en la valoración de instrumentos financieros, donde hay muchos productos muy singulares. Para saber esto, deberíamos poder comparar el prepare del INVU con alternativas similares, y evaluar, ahí sí, sus posibles beneficios. Existe incluso un mercado secundario activo para la negociación de planes, en los

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