Principios de los Ahorros
Empiece a ahorrar temprano
Tanto Mary como Arturo ahorran $1,000 por año ($83.33 por mes o $19.23 por semana). El dinero que cada uno ahorra gana el 10% interés por año. Mary empieza a los 22 años de edad y se detiene a los 30 años de edad. Arturo empieza a los 30 años de edad y se detiene a los 65 años de edad*.
| Edad |
Mary
invierte |
Crecimiento |
Arturo
invierte |
Crecimiento |
| 22 |
1,000 |
1,100 |
0 |
0 |
| 23 |
1,000 |
2,310 |
0 |
0 |
| 24 |
1,000 |
3,641 |
0 |
0 |
| 25 |
1,000 |
5,105 |
0 |
0 |
| 26 |
1,000 |
6,716 |
0 |
0 |
| 27 |
1,000 |
8,487 |
0 |
0 |
| 28 |
1,000 |
10,436 |
0 |
0 |
| 29 |
1,000 |
12,579 |
0 |
0 |
| 30 |
0 |
13,837 |
1,000 |
1,100 |
| 31 |
0 |
15,221 |
1,000 |
2,310 |
| 32 |
0 |
16,743 |
1,000 |
3,641 |
| 33 |
0 |
18,418 |
1,000 |
5,105 |
| 34 |
0 |
20,259 |
1,000 |
6,716 |
| 35 |
0 |
22,285 |
1,000 |
8,487 |
| 36 |
0 |
24,514 |
1,000 |
10,436 |
| 37 |
0 |
26,965 |
1,000 |
12,579 |
| 38 |
0 |
29,662 |
1,000 |
14,937 |
| 39 |
0 |
32,628 |
1,000 |
17,531 |
| 40 |
0 |
35,891 |
1,000 |
20,384 |
| 41 |
0 |
39,480 |
1,000 |
23,523 |
| 42 |
0 |
43,428 |
1,000 |
26,975 |
| 43 |
0 |
47,771 |
1,000 |
30,772 |
| 44 |
0 |
52,548 |
1,000 |
34,950 |
| 45 |
0 |
57,802 |
1,000 |
39,545 |
| 46 |
0 |
63,583 |
1,000 |
44,599 |
| 47 |
0 |
69,941 |
1,000 |
50,159 |
| 48 |
0 |
76,935 |
1,000 |
56,275 |
| 49 |
0 |
84,628 |
1,000 |
63,002 |
| 50 |
0 |
93,091 |
1,000 |
70,403 |
| 51 |
0 |
102,400 |
1,000 |
78,543 |
| 52 |
0 |
112,640 |
1,000 |
87,497 |
| 53 |
0 |
123,904 |
1,000 |
97,347 |
| 54 |
0 |
136,295 |
1,000 |
108,182 |
| 55 |
0 |
149,924 |
1,000 |
120,100 |
| 56 |
0 |
164,917 |
1,000 |
133,210 |
| 57 |
0 |
181,409 |
1,000 |
147,631 |
| 58 |
0 |
199,549 |
1,000 |
163,494 |
| 59 |
0 |
219,504 |
1,000 |
180,943 |
| 60 |
0 |
241,455 |
1,000 |
200,138 |
| 61 |
0 |
265,600 |
1,000 |
221,252 |
| 62 |
0 |
292,160 |
1,000 |
244,477 |
| 63 |
0 |
321,376 |
1,000 |
270,024 |
| 64 |
0 |
353,514 |
1,000 |
298,127 |
| 65 |
0 |
388,865 |
1,000 |
329,039 |
| |
Valor al jubilarse |
$388,865 |
Valor al jubilarse |
$329,039 |
| Menos contribuciones totales |
$(8,000) |
Menos contribuciones totales |
$(35,000) |
| Ganancias netas |
$380,865 |
Ganancias netas |
$294,039 |
• María invirtió un total de $8,000.
• Arturo invirtió un total de $35,000
*...Arturo nunca la alcanzó.
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