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 | 824 | 659 | 808 | 646 | 20.600 | 20.196 | 2,00% | 20.000 | 600 | 3,00% | 50.000 |
2 | 1.308 | 1.046 | 1.257 | 1.006 | 32.695 | 31.426 | 4,04% | 30.200 | 2.495 | 8,26% | 51.000 |
3 | 1.844 | 1.475 | 1.738 | 1.390 | 46.107 | 43.448 | 6,12% | 40.604 | 5.503 | 13,55% | 52.020 |
4 | 2.438 | 1.951 | 2.253 | 1.802 | 60.961 | 56.319 | 8,24% | 51.216 | 9.745 | 19,03% | 53.060 |
5 | 3.096 | 2.477 | 2.804 | 2.243 | 77.394 | 70.098 | 10,41% | 62.040 | 15.353 | 24,75% | 54.122 |
6 | 3.822 | 3.058 | 3.394 | 2.715 | 95.555 | 84.850 | 12,62% | 73.081 | 22.474 | 30,75% | 55.204 |
7 | 4.624 | 3.699 | 4.026 | 3.221 | 115.608 | 100.643 | 14,87% | 84.343 | 31.265 | 37,07% | 56.308 |
8 | 5.509 | 4.407 | 4.702 | 3.762 | 137.730 | 117.551 | 17,17% | 95.830 | 41.901 | 43,72% | 57.434 |
9 | 6.485 | 5.188 | 5.426 | 4.341 | 162.118 | 135.653 | 19,51% | 107.546 | 54.572 | 50,74% | 58.583 |
10 | 7.559 | 6.047 | 6.201 | 4.961 | 188.984 | 155.033 | 21,90% | 119.497 | 69.487 | 58,15% | 59.755 |
11 | 8.742 | 6.994 | 7.031 | 5.625 | 218.560 | 175.780 | 24,34% | 131.687 | 86.873 | 65,97% | 60.950 |
12 | 10.044 | 8.035 | 7.920 | 6.336 | 251.102 | 197.992 | 26,82% | 144.121 | 106.981 | 74,23% | 62.169 |
13 | 11.475 | 9.180 | 8.871 | 7.097 | 286.885 | 221.772 | 29,36% | 156.803 | 130.082 | 82,96% | 63.412 |
14 | 13.049 | 10.439 | 9.889 | 7.911 | 326.215 | 247.230 | 31,95% | 169.739 | 156.476 | 92,19% | 64.680 |
15 | 14.777 | 11.821 | 10.979 | 8.784 | 369.421 | 274.486 | 34,59% | 182.934 | 186.487 | 101,94% | 65.974 |
16 | 16.675 | 13.340 | 12.147 | 9.717 | 416.867 | 303.665 | 37,28% | 196.393 | 220.474 | 112,26% | 67.293 |
17 | 18.758 | 15.006 | 13.396 | 10.717 | 468.947 | 334.904 | 40,02% | 210.121 | 258.826 | 123,18% | 68.639 |
18 | 21.044 | 16.835 | 14.734 | 11.787 | 526.092 | 368.348 | 42,82% | 224.123 | 301.969 | 134,73% | 70.012 |
19 | 23.551 | 18.841 | 16.166 | 12.933 | 588.775 | 404.153 | 45,68% | 238.406 | 350.369 | 146,96% | 71.412 |
20 | 26.300 | 21.040 | 17.699 | 14.160 | 657.510 | 442.486 | 48,59% | 252.974 | 404.537 | 159,91% | 72.841 |
21 | 29.314 | 23.452 | 19.341 | 15.473 | 732.861 | 483.524 | 51,57% | 267.833 | 465.028 | 173,63% | 74.297 |
22 | 32.618 | 26.094 | 21.098 | 16.879 | 815.441 | 527.459 | 54,60% | 282.990 | 532.451 | 188,15% | 75.783 |
23 | 36.237 | 28.989 | 22.980 | 18.384 | 905.921 | 574.495 | 57,69% | 298.450 | 607.471 | 203,54% | 77.299 |
24 | 40.201 | 32.161 | 24.994 | 19.995 | 1.005.035 | 624.852 | 60,84% | 314.219 | 690.816 | 219,85% | 78.845 |
25 | 44.543 | 35.635 | 27.151 | 21.720 | 1.113.582 | 678.763 | 64,06% | 330.303 | 783.279 | 237,14% | 80.422 |
26 | 49.298 | 39.438 | 29.459 | 23.567 | 1.232.438 | 736.479 | 67,34% | 346.709 | 885.729 | 255,47% | 82.030 |
27 | 54.502 | 43.602 | 31.931 | 25.545 | 1.362.556 | 798.270 | 70,69% | 363.443 | 999.113 | 274,90% | 83.671 |
28 | 60.199 | 48.159 | 34.577 | 27.662 | 1.504.980 | 864.422 | 74,10% | 380.512 | 1.124.468 | 295,51% | 85.344 |
29 | 66.434 | 53.147 | 37.410 | 29.928 | 1.660.849 | 935.244 | 77,58% | 397.922 | 1.262.927 | 317,38% | 87.051 |
30 | 73.256 | 58.605 | 40.443 | 32.354 | 1.831.405 | 1.011.066 | 81,14% | 415.681 | 1.415.725 | 340,58% | 88.792 |
31 | 80.720 | 64.576 | 43.690 | 34.952 | 2.018.008 | 1.092.239 | 84,76% | 433.794 | 1.584.214 | 365,20% | 90.568 |
32 | 88.886 | 71.109 | 47.166 | 37.733 | 2.222.141 | 1.179.142 | 88,45% | 452.270 | 1.769.871 | 391,33% | 92.379 |
33 | 97.817 | 78.254 | 50.887 | 40.710 | 2.445.423 | 1.272.180 | 92,22% | 471.116 | 1.974.308 | 419,07% | 94.227 |
34 | 107.585 | 86.068 | 54.871 | 43.897 | 2.689.625 | 1.371.784 | 96,07% | 490.338 | 2.199.287 | 448,52% | 96.112 |
35 | 118.267 | 94.614 | 59.137 | 47.309 | 2.956.677 | 1.478.420 | 99,99% | 509.945 | 2.446.732 | 479,80% | 98.034 |
36 | 129.948 | 103.958 | 63.703 | 50.963 | 3.248.690 | 1.592.583 | 103,99% | 529.944 | 2.718.746 | 513,03% | 99.994 |
37 | 142.719 | 114.175 | 68.592 | 54.874 | 3.567.969 | 1.714.805 | 108,07% | 550.343 | 3.017.626 | 548,32% | 101.994 |
38 | 156.681 | 125.345 | 73.826 | 59.061 | 3.917.028 | 1.845.654 | 112,23% | 571.149 | 3.345.879 | 585,82% | 104.034 |
39 | 171.945 | 137.556 | 79.430 | 63.544 | 4.298.618 | 1.985.739 | 116,47% | 592.372 | 3.706.246 | 625,66% | 106.115 |
40 | 188.630 | 150.904 | 85.429 | 68.343 | 4.715.738 | 2.135.713 | 120,80% | 614.020 | 4.101.719 | 668,01% | 108.237 |
¿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