Lo básico de las inversiones
Simulador de inversiones
Variables de inversión
Inversión Mensual:
$5,000.00
Tasa de Retorno (%):
24 %
Periodo de Inversión:
10 años
Montos del portafolio de inversiones
Ahorro Puro
Total en portafolio de inversiones
Beneficios de invertir Hoy en tu Libertad
Ganancias por intereses
Ingreso futuro mensual de tus inversiones
Kashtli - ¿Cómo leer el simulador?
Puedes interactuar con el simulador, y leer la interpretación en tiempo real de tus cambios a continuación. Éste simulador muestra de manera detallada y fácil la respuesta a:
"¿Si invierto $5,000.00 a una tasa de interés del 24% anual ¿Cuál será el valor al final a 10 años ?"
Si solo hubieras ahorrado, tendrías en 10 años un total de $600,000.00
Al decidir invertir en un portafolio con retornos del 24%, en 10 años tendrás $2,441,290.76
Ahora intenta cambiar en el simulador:
- Inversión mensual: Monto ahorrado o invertido cada mes, la recomendación general es que este monto sea al menos el 10% de tu ingreso mensual, pero si es posible un monto mayor sin que esto impacte tu estabilidad actual, más es mejor.
- Tasa de Retorno: Es el porcentaje de ganancias de tu portafolio de inversiones, depende de los instrumentos que inviertas y los retornos que paguen las mismas. Si la tasa de retorno es de 10% y la inversión es de $100,000, el valor del portafolio al cierre de año será de $110,000.
- Periodo de Inversión: Es el periodo de tiempo en el que se realiza
la inversión. Observa que a mayor periodo de inversión, mayores resultados.
Para simplificar el simulador, hemos hecho la conversión de años a meses.
- 1 año = 12 abonos mensuales.
- 5 años = 60 abonos mensuales.
- 10 años = 120 abonos mensuales.
El simulador te permite crear un resúmen y detalle de un Plan de Inversiones que podrás ver a continuación, así como una vista gráfica que te ayudarán a entender mejor la relación entre tus ahorro y las ganancias por los intereses.
Otra afirmación que puede ayudarte a definir tus metas puede ser.
En 10 años tendré un ingreso mensual de $48,825.82 (solo de inversiones), si decido invertir $5,000.00 cada mes en un portafolio que me de el 24% de rendimientos anualmente
No esperes más y empieza cuanto antes a Invertir en tu Libertad.
Resumen Plan de Inversiones
Ahorro Puro:
$600,000.00
Número de mensualidades:
120 depósitos
Tasa de Retorno de Inversión:
24% anual
Ganancias por Inversiones:
$1,841,290.76
Periodo de Último Depósito:
AGOSTO DE 2035
Total inversiones en portafolio:
$2,441,290.76
Plan Detallado de Inversiones
| # Depósito / Año | Periodo | Depósito | Ganancia de Intereses | Incremento del Mes | Saldo en Portafolio |
|---|---|---|---|---|---|
| 1 : 25 | 08/2025 | $5,000.00 | $0.00 | $5,000.00 | $5,000.00 |
| 2 : 25 | 09/2025 | $5,000.00 | $100.00 | $5,100.00 | $10,100.00 |
| 3 : 25 | 10/2025 | $5,000.00 | $202.00 | $5,202.00 | $15,302.00 |
| 4 : 25 | 11/2025 | $5,000.00 | $306.04 | $5,306.04 | $20,608.04 |
| 5 : 25 | 12/2025 | $5,000.00 | $412.16 | $5,412.16 | $26,020.20 |
| Acumulado en año 2025: | $25,000.00 | $1,540.60 | $26,540.60 | $26,020.20 | |
| 6 : 26 | 01/2026 | $5,000.00 | $520.40 | $5,520.40 | $31,540.60 |
| 7 : 26 | 02/2026 | $5,000.00 | $630.81 | $5,630.81 | $37,171.42 |
| 8 : 26 | 03/2026 | $5,000.00 | $743.43 | $5,743.43 | $42,914.85 |
| 9 : 26 | 04/2026 | $5,000.00 | $858.30 | $5,858.30 | $48,773.14 |
| 10 : 26 | 05/2026 | $5,000.00 | $975.46 | $5,975.46 | $54,748.60 |
| 11 : 26 | 06/2026 | $5,000.00 | $1,094.97 | $6,094.97 | $60,843.58 |
| 12 : 26 | 07/2026 | $5,000.00 | $1,216.87 | $6,216.87 | $67,060.45 |
| 13 : 26 | 08/2026 | $5,000.00 | $1,341.21 | $6,341.21 | $73,401.66 |
| 14 : 26 | 09/2026 | $5,000.00 | $1,468.03 | $6,468.03 | $79,869.69 |
| 15 : 26 | 10/2026 | $5,000.00 | $1,597.39 | $6,597.39 | $86,467.08 |
| 16 : 26 | 11/2026 | $5,000.00 | $1,729.34 | $6,729.34 | $93,196.43 |
| 17 : 26 | 12/2026 | $5,000.00 | $1,863.93 | $6,863.93 | $100,060.35 |
| Acumulado en año 2026: | $85,000.00 | $17,061.56 | $102,061.56 | $100,060.35 | |
| 18 : 27 | 01/2027 | $5,000.00 | $2,001.21 | $7,001.21 | $107,061.56 |
| 19 : 27 | 02/2027 | $5,000.00 | $2,141.23 | $7,141.23 | $114,202.79 |
| 20 : 27 | 03/2027 | $5,000.00 | $2,284.06 | $7,284.06 | $121,486.85 |
| 21 : 27 | 04/2027 | $5,000.00 | $2,429.74 | $7,429.74 | $128,916.59 |
| 22 : 27 | 05/2027 | $5,000.00 | $2,578.33 | $7,578.33 | $136,494.92 |
| 23 : 27 | 06/2027 | $5,000.00 | $2,729.90 | $7,729.90 | $144,224.82 |
| 24 : 27 | 07/2027 | $5,000.00 | $2,884.50 | $7,884.50 | $152,109.31 |
| 25 : 27 | 08/2027 | $5,000.00 | $3,042.19 | $8,042.19 | $160,151.50 |
| 26 : 27 | 09/2027 | $5,000.00 | $3,203.03 | $8,203.03 | $168,354.53 |
| 27 : 27 | 10/2027 | $5,000.00 | $3,367.09 | $8,367.09 | $176,721.62 |
| 28 : 27 | 11/2027 | $5,000.00 | $3,534.43 | $8,534.43 | $185,256.05 |
| 29 : 27 | 12/2027 | $5,000.00 | $3,705.12 | $8,705.12 | $193,961.17 |
| Acumulado en año 2027: | $145,000.00 | $52,840.40 | $197,840.40 | $193,961.17 | |
| 30 : 28 | 01/2028 | $5,000.00 | $3,879.22 | $8,879.22 | $202,840.40 |
| 31 : 28 | 02/2028 | $5,000.00 | $4,056.81 | $9,056.81 | $211,897.20 |
| 32 : 28 | 03/2028 | $5,000.00 | $4,237.94 | $9,237.94 | $221,135.15 |
| 33 : 28 | 04/2028 | $5,000.00 | $4,422.70 | $9,422.70 | $230,557.85 |
| 34 : 28 | 05/2028 | $5,000.00 | $4,611.16 | $9,611.16 | $240,169.01 |
| 35 : 28 | 06/2028 | $5,000.00 | $4,803.38 | $9,803.38 | $249,972.39 |
| 36 : 28 | 07/2028 | $5,000.00 | $4,999.45 | $9,999.45 | $259,971.84 |
| 37 : 28 | 08/2028 | $5,000.00 | $5,199.44 | $10,199.44 | $270,171.27 |
| 38 : 28 | 09/2028 | $5,000.00 | $5,403.43 | $10,403.43 | $280,574.70 |
| 39 : 28 | 10/2028 | $5,000.00 | $5,611.49 | $10,611.49 | $291,186.19 |
| 40 : 28 | 11/2028 | $5,000.00 | $5,823.72 | $10,823.72 | $302,009.92 |
| 41 : 28 | 12/2028 | $5,000.00 | $6,040.20 | $11,040.20 | $313,050.11 |
| Acumulado en año 2028: | $205,000.00 | $114,311.12 | $319,311.12 | $313,050.11 | |
| 42 : 29 | 01/2029 | $5,000.00 | $6,261.00 | $11,261.00 | $324,311.12 |
| 43 : 29 | 02/2029 | $5,000.00 | $6,486.22 | $11,486.22 | $335,797.34 |
| 44 : 29 | 03/2029 | $5,000.00 | $6,715.95 | $11,715.95 | $347,513.29 |
| 45 : 29 | 04/2029 | $5,000.00 | $6,950.27 | $11,950.27 | $359,463.55 |
| 46 : 29 | 05/2029 | $5,000.00 | $7,189.27 | $12,189.27 | $371,652.82 |
| 47 : 29 | 06/2029 | $5,000.00 | $7,433.06 | $12,433.06 | $384,085.88 |
| 48 : 29 | 07/2029 | $5,000.00 | $7,681.72 | $12,681.72 | $396,767.60 |
| 49 : 29 | 08/2029 | $5,000.00 | $7,935.35 | $12,935.35 | $409,702.95 |
| 50 : 29 | 09/2029 | $5,000.00 | $8,194.06 | $13,194.06 | $422,897.01 |
| 51 : 29 | 10/2029 | $5,000.00 | $8,457.94 | $13,457.94 | $436,354.95 |
| 52 : 29 | 11/2029 | $5,000.00 | $8,727.10 | $13,727.10 | $450,082.05 |
| 53 : 29 | 12/2029 | $5,000.00 | $9,001.64 | $14,001.64 | $464,083.69 |
| Acumulado en año 2029: | $265,000.00 | $208,365.36 | $473,365.36 | $464,083.69 | |
| 54 : 30 | 01/2030 | $5,000.00 | $9,281.67 | $14,281.67 | $478,365.36 |
| 55 : 30 | 02/2030 | $5,000.00 | $9,567.31 | $14,567.31 | $492,932.67 |
| 56 : 30 | 03/2030 | $5,000.00 | $9,858.65 | $14,858.65 | $507,791.32 |
| 57 : 30 | 04/2030 | $5,000.00 | $10,155.83 | $15,155.83 | $522,947.15 |
| 58 : 30 | 05/2030 | $5,000.00 | $10,458.94 | $15,458.94 | $538,406.09 |
| 59 : 30 | 06/2030 | $5,000.00 | $10,768.12 | $15,768.12 | $554,174.21 |
| 60 : 30 | 07/2030 | $5,000.00 | $11,083.48 | $16,083.48 | $570,257.70 |
| 61 : 30 | 08/2030 | $5,000.00 | $11,405.15 | $16,405.15 | $586,662.85 |
| 62 : 30 | 09/2030 | $5,000.00 | $11,733.26 | $16,733.26 | $603,396.11 |
| 63 : 30 | 10/2030 | $5,000.00 | $12,067.92 | $17,067.92 | $620,464.03 |
| 64 : 30 | 11/2030 | $5,000.00 | $12,409.28 | $17,409.28 | $637,873.31 |
| 65 : 30 | 12/2030 | $5,000.00 | $12,757.47 | $17,757.47 | $655,630.78 |
| Acumulado en año 2030: | $325,000.00 | $343,743.39 | $668,743.39 | $655,630.78 | |
| 66 : 31 | 01/2031 | $5,000.00 | $13,112.62 | $18,112.62 | $673,743.39 |
| 67 : 31 | 02/2031 | $5,000.00 | $13,474.87 | $18,474.87 | $692,218.26 |
| 68 : 31 | 03/2031 | $5,000.00 | $13,844.37 | $18,844.37 | $711,062.63 |
| 69 : 31 | 04/2031 | $5,000.00 | $14,221.25 | $19,221.25 | $730,283.88 |
| 70 : 31 | 05/2031 | $5,000.00 | $14,605.68 | $19,605.68 | $749,889.56 |
| 71 : 31 | 06/2031 | $5,000.00 | $14,997.79 | $19,997.79 | $769,887.35 |
| 72 : 31 | 07/2031 | $5,000.00 | $15,397.75 | $20,397.75 | $790,285.09 |
| 73 : 31 | 08/2031 | $5,000.00 | $15,805.70 | $20,805.70 | $811,090.80 |
| 74 : 31 | 09/2031 | $5,000.00 | $16,221.82 | $21,221.82 | $832,312.61 |
| 75 : 31 | 10/2031 | $5,000.00 | $16,646.25 | $21,646.25 | $853,958.86 |
| 76 : 31 | 11/2031 | $5,000.00 | $17,079.18 | $22,079.18 | $876,038.04 |
| 77 : 31 | 12/2031 | $5,000.00 | $17,520.76 | $22,520.76 | $898,558.80 |
| Acumulado en año 2031: | $385,000.00 | $531,529.98 | $916,529.98 | $898,558.80 | |
| 78 : 32 | 01/2032 | $5,000.00 | $17,971.18 | $22,971.18 | $921,529.98 |
| 79 : 32 | 02/2032 | $5,000.00 | $18,430.60 | $23,430.60 | $944,960.58 |
| 80 : 32 | 03/2032 | $5,000.00 | $18,899.21 | $23,899.21 | $968,859.79 |
| 81 : 32 | 04/2032 | $5,000.00 | $19,377.20 | $24,377.20 | $993,236.98 |
| 82 : 32 | 05/2032 | $5,000.00 | $19,864.74 | $24,864.74 | $1,018,101.72 |
| 83 : 32 | 06/2032 | $5,000.00 | $20,362.03 | $25,362.03 | $1,043,463.76 |
| 84 : 32 | 07/2032 | $5,000.00 | $20,869.28 | $25,869.28 | $1,069,333.03 |
| 85 : 32 | 08/2032 | $5,000.00 | $21,386.66 | $26,386.66 | $1,095,719.69 |
| 86 : 32 | 09/2032 | $5,000.00 | $21,914.39 | $26,914.39 | $1,122,634.09 |
| 87 : 32 | 10/2032 | $5,000.00 | $22,452.68 | $27,452.68 | $1,150,086.77 |
| 88 : 32 | 11/2032 | $5,000.00 | $23,001.74 | $28,001.74 | $1,178,088.51 |
| 89 : 32 | 12/2032 | $5,000.00 | $23,561.77 | $28,561.77 | $1,206,650.28 |
| Acumulado en año 2032: | $445,000.00 | $785,783.28 | $1,230,783.28 | $1,206,650.28 | |
| 90 : 33 | 01/2033 | $5,000.00 | $24,133.01 | $29,133.01 | $1,235,783.28 |
| 91 : 33 | 02/2033 | $5,000.00 | $24,715.67 | $29,715.67 | $1,265,498.95 |
| 92 : 33 | 03/2033 | $5,000.00 | $25,309.98 | $30,309.98 | $1,295,808.93 |
| 93 : 33 | 04/2033 | $5,000.00 | $25,916.18 | $30,916.18 | $1,326,725.10 |
| 94 : 33 | 05/2033 | $5,000.00 | $26,534.50 | $31,534.50 | $1,358,259.61 |
| 95 : 33 | 06/2033 | $5,000.00 | $27,165.19 | $32,165.19 | $1,390,424.80 |
| 96 : 33 | 07/2033 | $5,000.00 | $27,808.50 | $32,808.50 | $1,423,233.29 |
| 97 : 33 | 08/2033 | $5,000.00 | $28,464.67 | $33,464.67 | $1,456,697.96 |
| 98 : 33 | 09/2033 | $5,000.00 | $29,133.96 | $34,133.96 | $1,490,831.92 |
| 99 : 33 | 10/2033 | $5,000.00 | $29,816.64 | $34,816.64 | $1,525,648.56 |
| 100 : 33 | 11/2033 | $5,000.00 | $30,512.97 | $35,512.97 | $1,561,161.53 |
| 101 : 33 | 12/2033 | $5,000.00 | $31,223.23 | $36,223.23 | $1,597,384.76 |
| Acumulado en año 2033: | $505,000.00 | $1,124,332.46 | $1,629,332.46 | $1,597,384.76 | |
| 102 : 34 | 01/2034 | $5,000.00 | $31,947.70 | $36,947.70 | $1,634,332.46 |
| 103 : 34 | 02/2034 | $5,000.00 | $32,686.65 | $37,686.65 | $1,672,019.10 |
| 104 : 34 | 03/2034 | $5,000.00 | $33,440.38 | $38,440.38 | $1,710,459.49 |
| 105 : 34 | 04/2034 | $5,000.00 | $34,209.19 | $39,209.19 | $1,749,668.68 |
| 106 : 34 | 05/2034 | $5,000.00 | $34,993.37 | $39,993.37 | $1,789,662.05 |
| 107 : 34 | 06/2034 | $5,000.00 | $35,793.24 | $40,793.24 | $1,830,455.29 |
| 108 : 34 | 07/2034 | $5,000.00 | $36,609.11 | $41,609.11 | $1,872,064.40 |
| 109 : 34 | 08/2034 | $5,000.00 | $37,441.29 | $42,441.29 | $1,914,505.68 |
| 110 : 34 | 09/2034 | $5,000.00 | $38,290.11 | $43,290.11 | $1,957,795.80 |
| 111 : 34 | 10/2034 | $5,000.00 | $39,155.92 | $44,155.92 | $2,001,951.71 |
| 112 : 34 | 11/2034 | $5,000.00 | $40,039.03 | $45,039.03 | $2,046,990.75 |
| 113 : 34 | 12/2034 | $5,000.00 | $40,939.81 | $45,939.81 | $2,092,930.56 |
| Acumulado en año 2034: | $565,000.00 | $1,569,789.17 | $2,134,789.17 | $2,092,930.56 | |
| 114 : 35 | 01/2035 | $5,000.00 | $41,858.61 | $46,858.61 | $2,139,789.17 |
| 115 : 35 | 02/2035 | $5,000.00 | $42,795.78 | $47,795.78 | $2,187,584.96 |
| 116 : 35 | 03/2035 | $5,000.00 | $43,751.70 | $48,751.70 | $2,236,336.66 |
| 117 : 35 | 04/2035 | $5,000.00 | $44,726.73 | $49,726.73 | $2,286,063.39 |
| 118 : 35 | 05/2035 | $5,000.00 | $45,721.27 | $50,721.27 | $2,336,784.66 |
| 119 : 35 | 06/2035 | $5,000.00 | $46,735.69 | $51,735.69 | $2,388,520.35 |
| 120 : 35 | 07/2035 | $5,000.00 | $47,770.41 | $52,770.41 | $2,441,290.76 |
| Acumulado en año 2035: | $600,000.00 | $1,890,116.57 | $2,490,116.57 | $2,441,290.76 | |
Ahorro Puro vs Intereses Ganados por Año
El interés compuesto permite que en unos años los rendimientos de los
intereses sean mayores al depósito que has destinado a tu plan de inversiones.
Acumulado en Portafolio de Inversiones
Nota la diferencia entre el monto acumulado de intereses o retornos de inversión
comparado con el acumulado de aportaciones mensuales.
Portafolio Total
En el tiempo, el interés compuesto es una gran ventaja, al final del periodo de
inversión es común que los beneficios por intereses sean una
proporción mayor de tu portafolio de inversiones.