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 | 3.744 | 2.995 | 3.671 | 2.936 | 74.880 | 73.412 | 2,00% | 72.000 | 2.880 | 4,00% | 18.000 |
2 | 6.029 | 4.823 | 5.795 | 4.636 | 120.586 | 115.903 | 4,04% | 108.720 | 11.866 | 10,91% | 18.360 |
3 | 8.626 | 6.900 | 8.128 | 6.502 | 172.510 | 162.560 | 6,12% | 146.174 | 26.336 | 18,02% | 18.727 |
4 | 11.571 | 9.257 | 10.690 | 8.552 | 231.415 | 213.792 | 8,24% | 184.378 | 47.037 | 25,51% | 19.102 |
5 | 14.908 | 11.926 | 13.502 | 10.802 | 298.152 | 270.046 | 10,41% | 223.345 | 74.807 | 33,49% | 19.484 |
6 | 18.684 | 14.947 | 16.591 | 13.273 | 373.678 | 331.815 | 12,62% | 263.092 | 110.585 | 42,03% | 19.873 |
7 | 22.953 | 18.362 | 19.982 | 15.986 | 459.061 | 399.640 | 14,87% | 303.634 | 155.426 | 51,19% | 20.271 |
8 | 27.775 | 22.220 | 23.706 | 18.965 | 555.501 | 474.114 | 17,17% | 344.987 | 210.514 | 61,02% | 20.676 |
9 | 33.217 | 26.574 | 27.795 | 22.236 | 664.340 | 555.890 | 19,51% | 387.167 | 277.174 | 71,59% | 21.090 |
10 | 39.354 | 31.483 | 32.284 | 25.827 | 787.085 | 645.684 | 21,90% | 430.190 | 356.895 | 82,96% | 21.512 |
11 | 46.271 | 37.017 | 37.214 | 29.771 | 925.419 | 744.280 | 24,34% | 474.074 | 451.345 | 95,21% | 21.942 |
12 | 54.062 | 43.249 | 42.627 | 34.102 | 1.081.230 | 852.543 | 26,82% | 518.835 | 562.395 | 108,40% | 22.381 |
13 | 62.832 | 50.265 | 48.571 | 38.857 | 1.256.635 | 971.419 | 29,36% | 564.492 | 692.143 | 122,61% | 22.828 |
14 | 72.700 | 58.160 | 55.098 | 44.078 | 1.454.001 | 1.101.951 | 31,95% | 611.062 | 842.939 | 137,95% | 23.285 |
15 | 83.799 | 67.039 | 62.264 | 49.811 | 1.675.982 | 1.245.279 | 34,59% | 658.563 | 1.017.419 | 154,49% | 23.751 |
16 | 96.278 | 77.022 | 70.133 | 56.106 | 1.925.551 | 1.402.660 | 37,28% | 707.014 | 1.218.537 | 172,35% | 24.226 |
17 | 110.302 | 88.242 | 78.773 | 63.019 | 2.206.038 | 1.575.469 | 40,02% | 756.435 | 1.449.603 | 191,64% | 24.710 |
18 | 126.059 | 100.847 | 88.261 | 70.609 | 2.521.171 | 1.765.221 | 42,82% | 806.843 | 1.714.327 | 212,47% | 25.204 |
19 | 143.756 | 115.005 | 98.679 | 78.943 | 2.875.128 | 1.973.576 | 45,68% | 858.260 | 2.016.868 | 234,99% | 25.708 |
20 | 163.629 | 130.904 | 110.118 | 88.094 | 3.272.589 | 2.202.358 | 48,59% | 910.705 | 2.361.883 | 259,35% | 26.223 |
21 | 185.940 | 148.752 | 122.678 | 98.143 | 3.718.793 | 2.453.570 | 51,57% | 964.199 | 2.754.594 | 285,69% | 26.747 |
22 | 210.981 | 168.785 | 136.471 | 109.176 | 4.219.613 | 2.729.410 | 54,60% | 1.018.763 | 3.200.849 | 314,19% | 27.282 |
23 | 239.081 | 191.265 | 151.615 | 121.292 | 4.781.621 | 3.032.293 | 57,69% | 1.074.419 | 3.707.203 | 345,04% | 27.828 |
24 | 270.609 | 216.487 | 168.244 | 134.595 | 5.412.184 | 3.364.871 | 60,84% | 1.131.187 | 4.280.997 | 378,45% | 28.384 |
25 | 305.978 | 244.782 | 186.503 | 149.202 | 6.119.550 | 3.730.055 | 64,06% | 1.189.091 | 4.930.459 | 414,64% | 28.952 |
26 | 345.648 | 276.518 | 206.552 | 165.242 | 6.912.958 | 4.131.040 | 67,34% | 1.248.153 | 5.664.805 | 453,86% | 29.531 |
27 | 390.138 | 312.110 | 228.567 | 182.854 | 7.802.756 | 4.571.339 | 70,69% | 1.308.396 | 6.494.360 | 496,36% | 30.122 |
28 | 440.027 | 352.021 | 252.740 | 202.192 | 8.800.535 | 5.054.803 | 74,10% | 1.369.844 | 7.430.691 | 542,45% | 30.724 |
29 | 495.964 | 396.771 | 279.283 | 223.427 | 9.919.276 | 5.585.666 | 77,58% | 1.432.520 | 8.486.755 | 592,44% | 31.338 |
30 | 558.676 | 446.941 | 308.429 | 246.743 | 11.173.519 | 6.168.575 | 81,14% | 1.496.451 | 9.677.068 | 646,67% | 31.965 |
31 | 628.978 | 503.182 | 340.432 | 272.345 | 12.579.550 | 6.808.631 | 84,76% | 1.561.660 | 11.017.891 | 705,52% | 32.605 |
32 | 707.780 | 566.224 | 375.572 | 300.458 | 14.155.610 | 7.511.438 | 88,45% | 1.628.173 | 12.527.437 | 769,42% | 33.257 |
33 | 796.106 | 636.885 | 414.157 | 331.326 | 15.922.126 | 8.283.148 | 92,22% | 1.696.017 | 14.226.110 | 838,80% | 33.922 |
34 | 895.099 | 716.079 | 456.526 | 365.221 | 17.901.982 | 9.130.515 | 96,07% | 1.765.217 | 16.136.765 | 914,15% | 34.600 |
35 | 1.006.040 | 804.832 | 503.048 | 402.438 | 20.120.804 | 10.060.958 | 99,99% | 1.835.801 | 18.285.003 | 996,02% | 35.292 |
36 | 1.130.365 | 904.292 | 554.131 | 443.305 | 22.607.296 | 11.082.620 | 103,99% | 1.907.797 | 20.699.499 | 1.084,99% | 35.998 |
37 | 1.269.680 | 1.015.744 | 610.222 | 488.178 | 25.393.608 | 12.204.446 | 108,07% | 1.981.233 | 23.412.375 | 1.181,71% | 36.718 |
38 | 1.425.787 | 1.140.630 | 671.813 | 537.450 | 28.515.745 | 13.436.254 | 112,23% | 2.056.138 | 26.459.608 | 1.286,86% | 37.452 |
39 | 1.600.702 | 1.280.562 | 739.441 | 591.553 | 32.014.038 | 14.788.828 | 116,47% | 2.132.541 | 29.881.497 | 1.401,22% | 38.201 |
40 | 1.796.683 | 1.437.346 | 813.700 | 650.960 | 35.933.653 | 16.274.007 | 120,80% | 2.210.471 | 33.723.182 | 1.525,61% | 38.965 |
¿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