Simulador de rentabilidades a largo plazo
Año | Div. Brutos | Div. Netos | Div. B. Def | Div. N. Def | Valor cartera | V. cartera Def | Inf. Ac. | A. Acumulado | B. generado | B. generado % | Gastos año |
---|---|---|---|---|---|---|---|---|---|---|---|
1 | 120 | 97 | 118 | 95 | 4.000 | 3.922 | 2,00% | 4.000 | 0 | 0,00% | 12.000 |
2 | 255 | 206 | 245 | 198 | 8.497 | 8.167 | 4,04% | 8.080 | 417 | 5,16% | 12.240 |
3 | 406 | 329 | 383 | 310 | 13.545 | 12.764 | 6,12% | 12.242 | 1.303 | 10,65% | 12.485 |
4 | 576 | 467 | 532 | 431 | 19.203 | 17.740 | 8,24% | 16.486 | 2.716 | 16,48% | 12.734 |
5 | 766 | 621 | 694 | 562 | 25.535 | 23.128 | 10,41% | 20.816 | 4.719 | 22,67% | 12.989 |
6 | 978 | 793 | 869 | 704 | 32.615 | 28.961 | 12,62% | 25.232 | 7.382 | 29,26% | 13.249 |
7 | 1.216 | 985 | 1.058 | 857 | 40.521 | 35.276 | 14,87% | 29.737 | 10.784 | 36,26% | 13.514 |
8 | 1.480 | 1.199 | 1.263 | 1.023 | 49.342 | 42.113 | 17,17% | 34.332 | 15.010 | 43,72% | 13.784 |
9 | 1.775 | 1.438 | 1.485 | 1.203 | 59.175 | 49.515 | 19,51% | 39.019 | 20.157 | 51,66% | 14.060 |
10 | 2.104 | 1.704 | 1.726 | 1.398 | 70.128 | 57.529 | 21,90% | 43.799 | 26.329 | 60,11% | 14.341 |
11 | 2.470 | 2.000 | 1.986 | 1.609 | 82.318 | 66.205 | 24,34% | 48.675 | 33.643 | 69,12% | 14.628 |
12 | 2.876 | 2.330 | 2.268 | 1.837 | 95.877 | 75.599 | 26,82% | 53.648 | 42.229 | 78,71% | 14.920 |
13 | 3.329 | 2.696 | 2.573 | 2.084 | 110.950 | 85.768 | 29,36% | 58.721 | 52.229 | 88,94% | 15.219 |
14 | 3.831 | 3.103 | 2.903 | 2.352 | 127.697 | 96.778 | 31,95% | 63.896 | 63.801 | 99,85% | 15.523 |
15 | 4.389 | 3.555 | 3.261 | 2.641 | 146.294 | 108.698 | 34,59% | 69.174 | 77.120 | 111,49% | 15.834 |
16 | 5.008 | 4.057 | 3.648 | 2.955 | 166.935 | 121.603 | 37,28% | 74.557 | 92.378 | 123,90% | 16.150 |
17 | 5.695 | 4.613 | 4.067 | 3.294 | 189.838 | 135.575 | 40,02% | 80.048 | 109.790 | 137,15% | 16.473 |
18 | 6.457 | 5.230 | 4.521 | 3.662 | 215.239 | 150.702 | 42,82% | 85.649 | 129.590 | 151,30% | 16.803 |
19 | 7.302 | 5.915 | 5.012 | 4.060 | 243.401 | 167.078 | 45,68% | 91.362 | 152.039 | 166,41% | 17.139 |
20 | 8.238 | 6.673 | 5.544 | 4.491 | 274.615 | 184.808 | 48,59% | 97.189 | 177.426 | 182,56% | 17.482 |
21 | 9.276 | 7.514 | 6.120 | 4.957 | 309.202 | 204.004 | 51,57% | 103.133 | 206.068 | 199,81% | 17.831 |
22 | 10.425 | 8.445 | 6.744 | 5.462 | 347.514 | 224.786 | 54,60% | 109.196 | 238.318 | 218,25% | 18.188 |
23 | 11.698 | 9.476 | 7.419 | 6.009 | 389.944 | 247.285 | 57,69% | 115.380 | 274.564 | 237,97% | 18.552 |
24 | 13.108 | 10.617 | 8.149 | 6.601 | 436.922 | 271.644 | 60,84% | 121.687 | 315.235 | 259,05% | 18.923 |
25 | 14.668 | 11.881 | 8.940 | 7.242 | 488.927 | 298.016 | 64,06% | 128.121 | 360.806 | 281,61% | 19.301 |
26 | 16.395 | 13.280 | 9.797 | 7.936 | 546.485 | 326.568 | 67,34% | 134.684 | 411.801 | 305,75% | 19.687 |
27 | 18.305 | 14.827 | 10.724 | 8.687 | 610.177 | 357.479 | 70,69% | 141.377 | 468.799 | 331,59% | 20.081 |
28 | 20.419 | 16.540 | 11.728 | 9.500 | 680.645 | 390.945 | 74,10% | 148.205 | 532.441 | 359,26% | 20.483 |
29 | 22.758 | 18.434 | 12.815 | 10.380 | 758.601 | 427.178 | 77,58% | 155.169 | 603.432 | 388,89% | 20.892 |
30 | 25.345 | 20.529 | 13.992 | 11.334 | 844.826 | 466.404 | 81,14% | 162.272 | 682.554 | 420,62% | 21.310 |
31 | 28.206 | 22.847 | 15.266 | 12.366 | 940.187 | 508.873 | 84,76% | 169.518 | 770.669 | 454,62% | 21.736 |
32 | 31.369 | 25.409 | 16.646 | 13.483 | 1.045.639 | 554.851 | 88,45% | 176.908 | 868.731 | 491,06% | 22.171 |
33 | 34.867 | 28.242 | 18.139 | 14.692 | 1.162.237 | 604.629 | 92,22% | 184.446 | 977.791 | 530,12% | 22.614 |
34 | 38.734 | 31.375 | 19.756 | 16.002 | 1.291.148 | 658.522 | 96,07% | 192.135 | 1.099.012 | 572,00% | 23.067 |
35 | 43.010 | 34.838 | 21.506 | 17.420 | 1.433.657 | 716.868 | 99,99% | 199.978 | 1.233.679 | 616,91% | 23.528 |
36 | 47.736 | 38.666 | 23.401 | 18.955 | 1.591.187 | 780.037 | 103,99% | 207.977 | 1.383.210 | 665,08% | 23.999 |
37 | 52.959 | 42.897 | 25.453 | 20.617 | 1.765.307 | 848.426 | 108,07% | 216.137 | 1.549.170 | 716,75% | 24.479 |
38 | 58.733 | 47.573 | 27.674 | 22.416 | 1.957.752 | 922.468 | 112,23% | 224.460 | 1.733.292 | 772,21% | 24.968 |
39 | 65.113 | 52.742 | 30.079 | 24.364 | 2.170.434 | 1.002.628 | 116,47% | 232.949 | 1.937.486 | 831,72% | 25.468 |
40 | 72.164 | 58.453 | 32.682 | 26.473 | 2.405.470 | 1.089.414 | 120,80% | 241.608 | 2.163.862 | 895,61% | 25.977 |
¿Cómo puedes alcanzar antes la independencia financiera?
- “Vacía tu trastero”: Vende todo lo que no uses desde hace tiempo, y utiliza ese dinero para comprar más acciones
- Aumenta tu ahorro mensual. Prueba a hacer pequeños incrementos, y verás el efecto que tienen a largo plazo
- ¿Tienes aún algún gasto que realmente no te merezca la pena?
- ¿Tienes algún inmueble que puedas vender?
Div. Brutos: Dividendos antes de impuestos cobrados por el total de acciones que se posee en ese momento
Div. Netos: Dividendos despues de impuestos cobrados por el total de acciones que se posee en ese momento
Div. Brutos Def: Dividendos brutos deflactados. Es el equivalente en euros de hoy.
Valor cartera: Valor del total de acciones acumuladas hasta ese momento a precios de mercado
Valor cartera Def: Valor de la cartera deflactado. Es el equivalente en euros de hoy.
Inf. Ac. Inflación acumulada
A. Acumulado: Ahorro acumulado. Es la suma de todas las cantidades ahorradas (de los ingresos del trabajo, etc.) e invertidas hasta ese momento, sin contar los dividendos cobrados.
B. generado: Valor cartera – Ahorro acumulado
El simulador supone que el ahorro anual aumenta en la misma medida que la inflación