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 | 5.600 | 4.480 | 5.490 | 4.392 | 112.000 | 109.804 | 2,00% | 106.000 | 6.000 | 5,66% | 40.000 |
2 | 6.466 | 5.173 | 6.215 | 4.972 | 129.320 | 124.298 | 4,04% | 112.120 | 17.200 | 15,34% | 40.800 |
3 | 7.425 | 5.940 | 6.996 | 5.597 | 148.494 | 139.930 | 6,12% | 118.362 | 30.132 | 25,46% | 41.616 |
4 | 8.486 | 6.788 | 7.839 | 6.271 | 169.711 | 156.787 | 8,24% | 124.730 | 44.981 | 36,06% | 42.448 |
5 | 9.659 | 7.727 | 8.748 | 6.999 | 193.177 | 174.966 | 10,41% | 131.224 | 61.953 | 47,21% | 43.297 |
6 | 10.956 | 8.765 | 9.729 | 7.783 | 219.119 | 194.571 | 12,62% | 137.849 | 81.270 | 58,96% | 44.163 |
7 | 12.389 | 9.912 | 10.786 | 8.629 | 247.788 | 215.714 | 14,87% | 144.606 | 103.182 | 71,35% | 45.046 |
8 | 13.973 | 11.178 | 11.926 | 9.541 | 279.459 | 238.515 | 17,17% | 151.498 | 127.961 | 84,46% | 45.947 |
9 | 15.722 | 12.577 | 13.155 | 10.524 | 314.435 | 263.105 | 19,51% | 158.528 | 155.907 | 98,35% | 46.866 |
10 | 17.652 | 14.122 | 14.481 | 11.585 | 353.049 | 289.623 | 21,90% | 165.698 | 187.350 | 113,07% | 47.804 |
11 | 19.783 | 15.827 | 15.911 | 12.729 | 395.667 | 318.221 | 24,34% | 173.012 | 222.655 | 128,69% | 48.760 |
12 | 22.135 | 17.708 | 17.453 | 13.962 | 442.694 | 349.061 | 26,82% | 180.473 | 262.222 | 145,30% | 49.735 |
13 | 24.729 | 19.783 | 19.116 | 15.293 | 494.573 | 382.321 | 29,36% | 188.082 | 306.491 | 162,96% | 50.730 |
14 | 27.590 | 22.072 | 20.909 | 16.728 | 551.792 | 418.190 | 31,95% | 195.844 | 355.949 | 181,75% | 51.744 |
15 | 30.744 | 24.596 | 22.844 | 18.275 | 614.888 | 456.871 | 34,59% | 203.761 | 411.128 | 201,77% | 52.779 |
16 | 34.223 | 27.378 | 24.929 | 19.943 | 684.452 | 498.586 | 37,28% | 211.836 | 472.617 | 223,11% | 53.835 |
17 | 38.057 | 30.445 | 27.179 | 21.743 | 761.134 | 543.574 | 40,02% | 220.072 | 541.062 | 245,86% | 54.911 |
18 | 42.282 | 33.826 | 29.604 | 23.684 | 845.649 | 592.089 | 42,82% | 228.474 | 617.175 | 270,13% | 56.010 |
19 | 46.939 | 37.551 | 32.220 | 25.776 | 938.784 | 644.410 | 45,68% | 237.043 | 701.740 | 296,04% | 57.130 |
20 | 52.070 | 41.656 | 35.042 | 28.033 | 1.041.403 | 700.834 | 48,59% | 245.784 | 795.619 | 323,71% | 58.272 |
21 | 57.723 | 46.178 | 38.084 | 30.467 | 1.154.459 | 761.684 | 51,57% | 254.700 | 899.759 | 353,26% | 59.438 |
22 | 63.950 | 51.160 | 41.365 | 33.092 | 1.278.999 | 827.306 | 54,60% | 263.794 | 1.015.205 | 384,85% | 60.627 |
23 | 70.809 | 56.647 | 44.904 | 35.923 | 1.416.174 | 898.075 | 57,69% | 273.070 | 1.143.105 | 418,61% | 61.839 |
24 | 78.363 | 62.690 | 48.720 | 38.976 | 1.567.253 | 974.395 | 60,84% | 282.531 | 1.284.722 | 454,72% | 63.076 |
25 | 86.681 | 69.345 | 52.835 | 42.268 | 1.733.629 | 1.056.700 | 64,06% | 292.182 | 1.441.447 | 493,34% | 64.337 |
26 | 95.842 | 76.673 | 57.273 | 45.818 | 1.916.836 | 1.145.461 | 67,34% | 302.025 | 1.614.810 | 534,66% | 65.624 |
27 | 105.928 | 84.742 | 62.059 | 49.647 | 2.118.560 | 1.241.184 | 70,69% | 312.066 | 1.806.494 | 578,88% | 66.937 |
28 | 117.033 | 93.626 | 67.221 | 53.777 | 2.340.657 | 1.344.414 | 74,10% | 322.307 | 2.018.350 | 626,22% | 68.275 |
29 | 129.258 | 103.407 | 72.787 | 58.230 | 2.585.169 | 1.455.740 | 77,58% | 332.753 | 2.252.416 | 676,90% | 69.641 |
30 | 142.717 | 114.174 | 78.790 | 63.032 | 2.854.341 | 1.575.799 | 81,14% | 343.408 | 2.510.932 | 731,18% | 71.034 |
31 | 157.532 | 126.026 | 85.264 | 68.211 | 3.150.643 | 1.705.273 | 84,76% | 354.277 | 2.796.367 | 789,32% | 72.454 |
32 | 173.840 | 139.072 | 92.245 | 73.796 | 3.476.793 | 1.844.902 | 88,45% | 365.362 | 3.111.431 | 851,60% | 73.904 |
33 | 191.789 | 153.431 | 99.774 | 79.819 | 3.835.780 | 1.995.483 | 92,22% | 376.669 | 3.459.110 | 918,34% | 75.382 |
34 | 211.545 | 169.236 | 107.894 | 86.315 | 4.230.891 | 2.157.874 | 96,07% | 388.203 | 3.842.688 | 989,87% | 76.889 |
35 | 233.287 | 186.630 | 116.650 | 93.320 | 4.665.744 | 2.333.001 | 99,99% | 399.967 | 4.265.777 | 1.066,53% | 78.427 |
36 | 257.216 | 205.773 | 126.093 | 100.875 | 5.144.318 | 2.521.864 | 103,99% | 411.966 | 4.732.352 | 1.148,72% | 79.996 |
37 | 283.549 | 226.840 | 136.277 | 109.022 | 5.670.989 | 2.725.539 | 108,07% | 424.206 | 5.246.783 | 1.236,85% | 81.595 |
38 | 312.529 | 250.023 | 147.259 | 117.808 | 6.250.572 | 2.945.189 | 112,23% | 436.690 | 5.813.882 | 1.331,35% | 83.227 |
39 | 344.418 | 275.535 | 159.103 | 127.283 | 6.888.363 | 3.182.067 | 116,47% | 449.423 | 6.438.939 | 1.432,71% | 84.892 |
40 | 379.509 | 303.608 | 171.876 | 137.501 | 7.590.188 | 3.437.523 | 120,80% | 462.412 | 7.127.776 | 1.541,43% | 86.590 |
¿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