Documentos de Académico
Documentos de Profesional
Documentos de Cultura
Calculos Afp
Calculos Afp
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Dec-56
Jan-57
EDAD
22
22
22
22
22
22
22
22
22
22
22
22
23
65
66
SUELDO (crece en 5% al
ao, se mantiene desde
los 45 aos y decrece en
1% desde los 51 aos)
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2100.00
5031.79
0.00
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
APORTE
MENSUAL
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
210.00
503.18
0.00
SALDO PREVIO EN
EL SISTEMA
FLUJOS
0.00
200.81
402.45
604.90
808.18
1,012.29
1,217.23
1,423.00
1,629.61
1,837.07
2,045.37
2,254.52
2,464.52
705,504.83
238,822.21
0.00407410
S/. 82,506.07
RESUMEN JUAN - RENTABILIDAD ANUAL 5%
(TASA DCTO. 5%)
FLUJO (1.7%)
SALDO (0.74%)
S/. 96,532
S/. 82,506
S/. 185,725
S/. 161,123
S/. 82,506
S/. 82,506
S/. 89,193
S/. 78,617
S/. 14,026
S/. 14,026
APORTES +
SALDO PREVIO
200.00
400.81
602.45
804.90
1,008.18
1,212.29
1,417.23
1,623.00
1,829.61
2,037.07
2,245.37
2,454.52
2,674.52
706,008.01
AN - RENTABILIDAD ANUAL 5%
TASA DCTO. 5%)
SALDO (1.39%)
S/. 82,506
S/. 143,355
S/. 82,506
S/. 60,849
S/. 23,897
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
SALDOS
ACUMULADOS
MES A MES
200.81
402.45
604.90
808.18
1,012.29
1,217.23
1,423.00
1,629.61
1,837.07
2,045.37
2,254.52
2,464.52
2,685.41
708,884.36
GANANCIAS
0.81
1.63
2.45
3.28
4.11
4.94
5.77
6.61
7.45
8.30
9.15
10.00
10.90
2,876.35
APORTES +
GANANCIAS
200.81
201.63
202.45
203.28
204.11
204.94
205.77
206.61
207.45
208.30
209.15
210.00
220.90
3,379.53
470,062.15
0.00407410
S/. 103,218.67
708,884.36
0.00407410
S/. 185,724.74
S/. 200,000
8.7%
17.0%
17.8%
16.7%
29.0%
39.3%
S/. 140,000
S/. 120,000
S/. 100,000
S/. 80,000
S/. 60,000
S/. 40,000
S/. 20,000
S/. 0
DESEMBOLSOS
COMISION POR
FLUJO = 1.7% AL
MES
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDO PREVIO EN EL
FLUJOS
SISTEMA SALDOS
34.00
0.00
34.00
200.81
34.00
402.32
34.00
604.53
34.00
807.44
34.00
1,011.04
34.00
1,215.36
34.00
1,420.37
34.00
1,626.10
34.00
1,832.54
34.00
2,039.69
34.00
2,247.56
35.70
2,456.15
85.54
587,175.29
589,711.41
APORTES +
SALDO PREVIO
200.00
400.81
602.32
804.53
1,007.44
1,211.04
1,415.36
1,620.37
1,826.10
2,032.54
2,239.69
2,447.56
2,666.15
587,678.47
589,711.41
40,599.78
0.00407410
S/. 14,026.03
FLUJO (1.7%)
DESEMBOLSOS
FONDO
APORTE
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
SALDOS
ACUMULADOS
MES A MES
200.81
402.32
604.53
807.44
1,011.04
1,215.36
1,420.37
1,626.10
1,832.54
2,039.69
2,247.56
2,456.15
2,675.50
589,711.41
589,348.53
0.00
FLUJO (1.7%)
SALDO (0.74%)
GANANCIA
SALDO (1.39%)
COMISIN AFP
GANANCIAS
0.81
1.51
2.21
2.91
3.61
4.31
5.02
5.73
6.44
7.15
7.87
8.59
9.35
2,032.94
-362.88
APORTES +
GANANCIAS
200.81
201.51
202.21
202.91
203.61
204.31
205.02
205.73
206.44
207.15
207.87
208.59
219.35
2,536.12
-362.88
350,889.20
0.00407410
S/. 78,616.91
589,348.53
0.00407410
S/. 161,122.98
COMISIN POR
SALDO = 0.74%
AL AO (0.062%
AL MES)
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.74
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDO PREVIO EN EL
SALDOS
SISTEMA SALDOS
0.12
0.00
0.25
200.81
0.37
402.22
0.50
604.21
0.62
806.79
0.75
1,009.97
0.87
1,213.74
1.00
1,418.11
1.13
1,623.07
1.26
1,828.64
1.38
2,034.80
1.51
2,241.57
1.65
2,448.95
362.88
503,825.51
505,805.14
62,616.31
0.00407410
S/. 14,026.03
APORTES +
SALDO PREVIO
200.00
400.81
602.22
804.21
1,006.79
1,209.97
1,413.74
1,618.11
1,823.07
2,028.64
2,234.80
2,441.57
2,658.95
504,328.69
505,805.14
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
SALDOS
ACUMULADOS
MES A MES
200.81
402.22
604.21
806.79
1,009.97
1,213.74
1,418.11
1,623.07
1,828.64
2,034.80
2,241.57
2,448.95
2,666.97
505,805.14
505,224.63
0.00
GANANCIAS
0.81
1.40
1.99
2.58
3.18
3.77
4.37
4.97
5.56
6.17
6.77
7.37
8.02
1,476.45
-580.51
APORTES +
GANANCIAS
200.81
201.40
201.99
202.58
203.18
203.77
204.37
204.97
205.56
206.17
206.77
207.37
218.02
1,979.63
-580.51
266,982.93
0.00407410
S/. 60,849.35
505,224.63
0.00407410
S/. 143,355.42
COMISIN POR
SALDO = 1.39%
AL AO (0.11%
AL MES)
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
1.39
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.23
0.46
0.69
0.93
1.16
1.39
1.63
1.86
2.10
2.34
2.57
2.81
3.06
580.51
104,905.98
0.00407410
S/. 23,896.93
MES
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21
Dec-56
Jan-57
EDAD
22
22
22
22
22
22
30
30
30
30
30
30
30
65
66
SUELDO (ingresos
comienzan a los 30 aos,
salario crece en 5% al
ao, se mantiene desde
los 45 aos y decrece en
1% desde los 51 aos)
0.00
0.00
0.00
0.00
0.00
0.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
3405.71
0.00
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
APORTE
MENSUAL
0.00
0.00
0.00
0.00
0.00
0.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
340.57
0.00
SALDO PREVIO EN
EL SISTEMA
FLUJOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
200.81
402.45
604.90
808.18
1,012.29
1,217.23
369,201.51
146,132.56
0.00407410
S/. 43,185.72
RESUMEN MARIA - RENTABILIDAD ANUAL 5%
(TASA DCTO. 5%)
FLUJO (1.7%)
SALDO (0.89%)
S/. 50,527
S/. 43,186
S/. 88,267
S/. 76,347
S/. 43,186
S/. 43,186
S/. 37,740
S/. 33,161
S/. 7,342
S/. 7,342
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
400.81
602.45
804.90
1,008.18
1,212.29
1,417.23
369,542.08
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
200.81
402.45
604.90
808.18
1,012.29
1,217.23
1,423.00
371,047.63
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
0.81
1.63
2.45
3.28
4.11
4.94
5.77
1,505.55
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
200.81
201.63
202.45
203.28
204.11
204.94
205.77
1,846.12
224,915.07
0.00407410
S/. 45,081.31
371,047.63
0.00407410
S/. 88,267.03
S/. 100,000
9.6%
17.0%
22.1%
8.0%
14.4%
17.8%
S/. 90,000
S/. 80,000
S/. 70,000
S/. 60,000
S/. 50,000
S/. 40,000
S/. 30,000
S/. 20,000
S/. 10,000
S/. 0
DESEMBOLSOS
COMISION POR
FLUJO = 1.7% AL
MES
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
COBROS DE LA
AFP EN EL
SALDO PREVIO EN
SISTEMA DE
EL SISTEMA
FLUJOS
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
34.00
0.00
34.00
200.81
34.00
402.30
34.00
604.46
34.00
807.29
34.00
1,010.80
34.00
1,214.99
57.90
307,339.44
308,707.01
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
400.81
602.30
804.46
1,007.29
1,210.80
1,414.99
307,680.01
308,707.01
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
24,842.54
0.00407410
S/. 7,341.57
FLUJO (1.7%)
DESEMBOLSOS
FONDO
APORTE
SALDO (0.89%)
GANANCIA
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
200.81
402.30
604.46
807.29
1,010.80
1,214.99
1,419.86
308,707.01
308,479.48
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
0.81
1.49
2.16
2.83
3.51
4.19
4.87
1,027.00
-227.53
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
200.81
201.49
202.16
202.83
203.51
204.19
204.87
1,367.57
-227.53
162,574.45
0.00407410
S/. 33,161.35
308,479.48
0.00407410
S/. 76,347.07
0.00
SALDO (0.89%)
SALDO (0.74%)
COMISIN AFP
COMISIN POR
SALDO = 0.89%
AL AO (0.074%
AL MES)
0.00074
0.00074
0.00074
0.00074
0.00074
0.00074
0.00074
0.00074
0.00074
0.00074
0.00074
0.00074
0.00074
0.00074
0.89
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.15
0.30
0.45
0.59
0.74
0.90
1.05
227.53
36,002.97
0.00407410
S/. 7,341.57
SALDO PREVIO EN
EL SISTEMA
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
200.81
402.32
604.53
807.44
1,011.04
1,215.36
316,638.30
318,075.43
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
400.81
602.32
804.53
1,007.44
1,211.04
1,415.36
316,978.87
318,075.43
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
200.81
402.32
604.53
807.44
1,011.04
1,215.36
1,420.37
318,075.43
317,879.70
0.00
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
0.81
1.51
2.21
2.91
3.61
4.31
5.02
1,096.56
-195.73
171,942.87
0.00407410
S/. 34,971.65
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
200.81
201.51
202.21
202.91
203.61
204.31
205.02
1,437.13
-195.73
317,879.70
0.00407410
S/. 78,157.37
COMISIN POR
SALDO = 0.74%
AL AO (0.062%
AL MES)
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.74
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDO PREVIO EN
SALDOS
EL SISTEMA SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.12
0.00
0.25
200.81
0.37
402.22
0.50
604.21
0.62
806.79
0.75
1,009.97
0.87
1,213.74
195.73
278,318.76
279,475.19
30,680.07
0.00407410
S/. 6,238.57
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
400.81
602.22
804.21
1,006.79
1,209.97
1,413.74
278,659.33
279,475.19
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
200.81
402.22
604.21
806.79
1,009.97
1,213.74
1,418.11
279,475.19
279,154.44
0.00
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
0.81
1.40
1.99
2.58
3.18
3.77
4.37
815.86
-320.75
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
200.81
201.40
201.99
202.58
203.18
203.77
204.37
1,156.43
-320.75
133,342.63
0.00407410
S/. 27,462.58
279,154.44
0.00407410
S/. 70,648.30
COMISIN POR
SALDO = 1.39%
AL AO (0.11%
AL MES)
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
1.39
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.23
0.46
0.69
0.93
1.16
1.39
1.63
320.75
52,382.37
0.00407410
S/. 10,782.49
MES
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Dec-36
Jan-37
Dec-50
Jan-51
Dec-56
Jan-57
EDAD
22
22
22
22
22
22
22
22
22
45
46
59
60
65
66
APORTE
MENSUAL
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
585.05
585.05
534.46
0.00
0.00
0.00
SALDO PREVIO EN
EL SISTEMA
FLUJOS
0.00
200.81
402.45
604.90
808.18
1,012.29
1,217.23
1,423.00
1,629.61
179,993.79
181,314.54
494,108.35
496,658.03
662,867.54
201,666.04
0.00407410
S/. 77,464.55
RESUMEN CARLOS - RENTABILIDAD ANUAL 5%
(TASA DCTO. 5%)
FLUJO (1.7%)
SALDO (0.70%)
S/. 90,634
S/. 77,465
S/. 179,890
S/. 156,733
S/. 77,465
S/. 77,465
S/. 89,257
S/. 79,268
S/. 13,169
S/. 13,169
APORTES +
SALDO PREVIO
200.00
400.81
602.45
804.90
1,008.18
1,212.29
1,417.23
1,623.00
1,829.61
180,578.84
181,899.59
494,642.81
496,658.03
662,867.54
ENTABILIDAD ANUAL 5%
DCTO. 5%)
SALDO (0.74%)
S/. 77,465
S/. 155,415
S/. 77,465
S/. 77,950
S/. 13,908
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
SALDOS
ACUMULADOS
MES A MES
200.81
402.45
604.90
808.18
1,012.29
1,217.23
1,423.00
1,629.61
1,837.07
181,314.54
182,640.67
496,658.03
498,681.47
665,568.13
GANANCIAS
0.81
1.63
2.45
3.28
4.11
4.94
5.77
6.61
7.45
735.70
741.08
2,015.22
2,023.43
2,700.59
APORTES +
GANANCIAS
200.81
201.63
202.45
203.28
204.11
204.94
205.77
206.61
207.45
1,320.75
1,326.13
2,549.68
2,023.43
2,700.59
463,902.10
0.00407410
S/. 102,425.77
665,568.13
0.00407410
S/. 179,890.33
S/. 200,000
7.3%
17.0%
14.8%
8.4%
17.0%
16.6%
8.9%
18.0%
17.8%
S/. 120,000
S/. 100,000
S/. 80,000
S/. 60,000
S/. 40,000
S/. 20,000
S/. 0
DESEMBOLSOS
COMISION POR
FLUJO = 1.7% AL
MES
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
COBROS DE LA
AFP EN EL
SALDO PREVIO EN
SISTEMA DE
EL SISTEMA
FLUJOS
SALDOS
34.00
0.00
34.00
200.81
34.00
402.33
34.00
604.55
34.00
807.48
34.00
1,011.12
34.00
1,215.47
34.00
1,420.53
34.00
1,626.31
99.46
165,904.79
99.46
167,072.08
90.86
428,631.90
0.00
430,666.66
0.00
551,728.80
553,657.17
APORTES +
SALDO PREVIO
200.00
400.81
602.33
804.55
1,007.48
1,211.12
1,415.47
1,620.53
1,826.31
166,489.84
167,657.14
429,166.36
430,666.66
551,728.80
553,657.17
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
34,283.23
0.00407410
S/. 13,168.97
FLUJO (1.7%)
DESEMBOLSOS
FONDO
APORTE
SALDO (0.70%)
GANANCIA
SALDOS
ACUMULADOS
MES A MES
200.81
402.33
604.55
807.48
1,011.12
1,215.47
1,420.53
1,626.31
1,832.81
167,072.08
168,243.46
430,666.66
432,171.90
553,657.17
553,336.62
GANANCIAS
0.81
1.52
2.22
2.93
3.64
4.35
5.06
5.78
6.50
582.24
586.32
1,500.31
1,505.24
1,928.37
-320.55
APORTES +
GANANCIAS
200.81
201.52
202.22
202.93
203.64
204.35
205.06
205.78
206.50
1,167.30
1,171.38
2,034.76
1,505.24
1,928.37
-320.55
351,991.13
0.00407410
S/. 79,268.00
553,336.62
0.00407410
S/. 156,732.55
0.00
SALDO (0.70%)
SALDO (0.74%)
COMISIN AFP
COMISIN POR
SALDO = 0.70%
AL AO (0.058%
AL MES)
0.00058
0.00058
0.00058
0.00058
0.00058
0.00058
0.00058
0.00058
0.00058
0.00058
0.00058
0.00058
0.00058
0.00058
0.70
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.12
0.23
0.35
0.47
0.59
0.70
0.82
0.94
1.06
96.73
97.41
249.34
250.21
320.55
58,490.78
0.00407410
S/. 13,168.97
SALDO PREVIO EN
EL SISTEMA
SALDOS
0.00
200.81
402.32
604.53
807.44
1,011.04
1,215.36
1,420.37
1,626.10
165,069.40
166,227.77
424,889.86
426,896.08
545,492.15
547,378.87
APORTES +
SALDO PREVIO
200.00
400.81
602.32
804.53
1,007.44
1,211.04
1,415.36
1,620.37
1,826.10
165,654.45
166,812.82
425,424.31
426,896.08
545,492.15
547,378.87
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
SALDOS
ACUMULADOS
MES A MES
200.81
402.32
604.53
807.44
1,011.04
1,215.36
1,420.37
1,626.10
1,832.54
166,227.77
167,390.15
426,896.08
428,372.61
547,378.87
547,042.04
0.00
GANANCIAS
0.81
1.51
2.21
2.91
3.61
4.31
5.02
5.73
6.44
573.32
577.32
1,471.77
1,476.53
1,886.72
-336.83
345,712.84
0.00407410
S/. 77,950.21
APORTES +
GANANCIAS
200.81
201.51
202.21
202.91
203.61
204.31
205.02
205.73
206.44
1,158.37
1,162.38
2,006.22
1,476.53
1,886.72
-336.83
547,042.04
0.00407410
S/. 155,414.77
COMISIN POR
SALDO = 0.74%
AL AO (0.062%
AL MES)
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.00062
0.74
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDO PREVIO EN
SALDOS
EL SISTEMA SALDOS
0.12
0.00
0.25
200.81
0.37
402.22
0.50
604.21
0.62
806.79
0.75
1,009.97
0.87
1,213.74
1.00
1,418.11
1.13
1,623.07
102.29
153,471.46
103.00
154,508.02
262.69
374,574.03
263.60
376,206.82
336.83
462,945.84
464,300.60
61,696.28
0.00407410
S/. 13,907.56
APORTES +
SALDO PREVIO
200.00
400.81
602.22
804.21
1,006.79
1,209.97
1,413.74
1,618.11
1,823.07
154,056.51
155,093.07
375,108.49
376,206.82
462,945.84
464,300.60
RENTABILIDAD
ANUAL 5%
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
0.00407410
SALDOS
ACUMULADOS
MES A MES
200.81
402.22
604.21
806.79
1,009.97
1,213.74
1,418.11
1,623.07
1,828.64
154,508.02
155,547.60
376,206.82
377,307.75
464,300.60
463,767.73
0.00
GANANCIAS
0.81
1.40
1.99
2.58
3.18
3.77
4.37
4.97
5.56
451.50
454.54
1,098.33
1,100.93
1,354.77
-532.88
APORTES +
GANANCIAS
200.81
201.40
201.99
202.58
203.18
203.77
204.37
204.97
205.56
1,036.56
1,039.59
1,632.79
1,100.93
1,354.77
-532.88
262,634.57
0.00407410
S/. 60,288.95
463,767.73
0.00407410
S/. 137,753.50
COMISIN POR
SALDO = 1.39%
AL AO (0.11% AL
MES)
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
1.39
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.23
0.46
0.69
0.93
1.16
1.39
1.63
1.86
2.10
177.33
178.52
431.77
433.04
532.88
103,212.40
0.00407410
S/. 23,678.79
0.00115135
MES
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Dec-56
Jan-57
EDAD
22
22
22
22
22
22
22
22
22
22
22
22
23
65
66
SUELDO (crece en 5% al
ao, se mantiene desde
los 45 aos y decrece en
1% desde los 51 aos)
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2100.00
5031.79
0.00
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
APORTE
MENSUAL
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
210.00
503.18
0.00
SALDO PREVIO EN
EL SISTEMA
FLUJOS
0.00
201.29
403.87
607.75
812.95
1,019.47
1,227.31
1,436.50
1,647.03
1,858.91
2,072.16
2,286.78
2,502.78
1,522,080.19
238,822.21
0.00407410
S/. 82,506.07
RESUMEN JUAN - RENTABILIDAD ANUAL 8%
(TASA DCTO. 5%)
FLUJO (1.7%)
SALDO (0.45%)
S/. 96,532
S/. 82,506
S/. 344,885
S/. 310,715
S/. 82,506
S/. 82,506
S/. 248,353
S/. 228,209
S/. 14,026
S/. 14,026
APORTES +
SALDO PREVIO
200.00
401.29
603.87
807.75
1,012.95
1,219.47
1,427.31
1,636.50
1,847.03
2,058.91
2,272.16
2,486.78
2,712.78
1,522,583.37
AN - RENTABILIDAD ANUAL 8%
TASA DCTO. 5%)
SALDO (1.39%)
S/. 82,506
S/. 252,090
S/. 82,506
S/. 169,584
S/. 36,887
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00407410
SALDOS
ACUMULADOS
MES A MES
201.29
403.87
607.75
812.95
1,019.47
1,227.31
1,436.50
1,647.03
1,858.91
2,072.16
2,286.78
2,502.78
2,730.23
1,532,379.61
GANANCIAS
1.29
2.58
3.89
5.20
6.52
7.85
9.18
10.53
11.88
13.25
14.62
16.00
17.45
9,796.24
APORTES +
GANANCIAS
201.29
202.58
203.89
205.20
206.52
207.85
209.18
210.53
211.88
213.25
214.62
216.00
227.45
10,299.42
1,293,557.40
0.00407410
S/. 262,379.20
1,532,379.61
0.00407410
S/. 344,885.27
S/. 400,000
4.1%
17.0%
5.6%
4.5%
17.0%
6.1%
14.6%
44.7%
21.8%
S/. 250,000
S/. 200,000
S/. 150,000
S/. 100,000
S/. 50,000
S/. 0
DESEMBOLSOS
COMISION POR
FLUJO = 1.7% AL
MES
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
COBROS DE LA
AFP EN EL
SALDO PREVIO EN
SISTEMA DE
EL SISTEMA
FLUJOS
SALDOS
34.00
0.00
34.00
201.29
34.00
403.79
34.00
607.53
34.00
812.50
34.00
1,018.71
34.00
1,226.18
34.00
1,434.90
34.00
1,644.89
34.00
1,856.15
34.00
2,068.69
34.00
2,282.52
35.70
2,497.65
85.54
1,341,119.45
1,349,757.73
APORTES +
SALDO PREVIO
200.00
401.29
603.79
807.53
1,012.50
1,218.71
1,426.18
1,634.90
1,844.89
2,056.15
2,268.69
2,482.52
2,707.65
1,341,622.63
1,349,757.73
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
40,599.78
0.00407410
S/. 14,026.03
FLUJO (1.7%)
DESEMBOLSOS
FONDO
APORTE
SALDO (0.45%)
GANANCIA
SALDOS
ACUMULADOS
MES A MES
201.29
403.79
607.53
812.50
1,018.71
1,226.18
1,434.90
1,644.89
1,856.15
2,068.69
2,282.52
2,497.65
2,724.14
1,349,757.73
1,349,257.68
GANANCIAS
1.29
2.51
3.74
4.97
6.21
7.46
8.72
9.99
11.26
12.54
13.83
15.13
16.50
8,135.10
-500.05
APORTES +
GANANCIAS
201.29
202.51
203.74
204.97
206.21
207.46
208.72
209.99
211.26
212.54
213.83
215.13
226.50
8,638.28
-500.05
1,110,935.52
0.00407410
S/. 228,208.87
1,349,257.68
0.00407410
S/. 310,714.94
0.00
SALDO (0.45%)
SALDO (1.39%)
COMISIN AFP
COMISIN POR
SALDO = 0.45%
AL AO (0.037%
AL MES)
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.45
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.07
0.15
0.23
0.30
0.38
0.45
0.53
0.61
0.69
0.77
0.85
0.93
1.01
500.05
68,283.33
0.00407410
S/. 14,026.03
SALDO PREVIO EN
EL SISTEMA SALDOS
0.00
201.29
403.64
607.06
811.56
1,017.14
1,223.80
1,431.56
1,640.42
1,850.39
2,061.46
2,273.65
2,486.96
1,036,839.78
1,042,830.00
APORTES +
SALDO PREVIO
200.00
401.29
603.64
807.06
1,011.56
1,217.14
1,423.80
1,631.56
1,840.42
2,050.39
2,261.46
2,473.65
2,696.96
1,037,342.96
1,042,830.00
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
201.29
403.64
607.06
811.56
1,017.14
1,223.80
1,431.56
1,640.42
1,850.39
2,061.46
2,273.65
2,486.96
2,711.47
1,042,830.00
1,041,635.96
GANANCIAS
1.29
2.35
3.42
4.50
5.58
6.67
7.76
8.86
9.96
11.07
12.19
13.31
14.50
5,487.04
-1,194.04
804,007.79
0.00407410
S/. 169,584.03
APORTES +
GANANCIAS
201.29
202.35
203.42
204.50
205.58
206.67
207.76
208.86
209.96
211.07
212.19
213.31
224.50
5,990.22
-1,194.04
1,041,635.96
0.00407410
S/. 252,090.10
COMISIN POR
SALDO = 1.39%
AL AO (0.11%
AL MES)
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
1.39
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.23
0.46
0.69
0.93
1.16
1.40
1.64
1.88
2.12
2.36
2.60
2.85
3.10
1,194.04
174,919.94
0.00407410
S/. 36,886.69
MES
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21
Dec-56
Jan-57
EDAD
22
22
22
22
22
22
30
30
30
30
30
30
30
65
66
SUELDO (ingresos
comienzan a los 30 aos,
salario crece en 5% al
ao, se mantiene desde
los 45 aos y decrece en
1% desde los 51 aos)
0.00
0.00
0.00
0.00
0.00
0.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
3405.71
0.00
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
APORTE
MENSUAL
0.00
0.00
0.00
0.00
0.00
0.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
340.57
0.00
SALDO PREVIO EN
EL SISTEMA
FLUJOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.87
607.75
812.95
1,019.47
1,227.31
695,621.22
146,132.56
0.00407410
S/. 43,185.72
RESUMEN MARIA - RENTABILIDAD ANUAL 8%
(TASA DCTO. 5%)
FLUJO (1.7%)
SALDO (0.59%)
S/. 50,527
S/. 43,186
S/. 148,135
S/. 132,352
S/. 43,186
S/. 43,186
S/. 97,608
S/. 89,166
S/. 7,342
S/. 7,342
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
401.29
603.87
807.75
1,012.95
1,219.47
1,427.31
695,961.79
NTABILIDAD ANUAL 8%
DCTO. 5%)
SALDO (0.45%)
S/. 43,186
S/. 135,925
S/. 43,186
S/. 92,740
S/. 5,700
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00407410
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.87
607.75
812.95
1,019.47
1,227.31
1,436.50
700,439.58
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
1.29
2.58
3.89
5.20
6.52
7.85
9.18
4,477.79
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
201.29
202.58
203.89
205.20
206.52
207.85
209.18
4,818.36
554,307.02
0.00407410
S/. 104,949.72
700,439.58
0.00407410
S/. 148,135.44
S/. 160,000
S/. 140,000
S/. 120,000
S/. 100,000
5.0%
17.0%
7.5%
5.5%
17.0%
8.2%
4.2%
13.2%
6.1%
S/. 80,000
S/. 60,000
S/. 40,000
S/. 20,000
S/. 0
DESEMBOLSOS
COMISION POR
FLUJO = 1.7% AL
MES
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
COBROS DE LA
AFP EN EL
SALDO PREVIO EN
SISTEMA DE
EL SISTEMA
FLUJOS
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
34.00
0.00
34.00
201.29
34.00
403.77
34.00
607.46
34.00
812.36
34.00
1,018.48
34.00
1,225.82
57.90
607,516.16
611,471.87
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
401.29
603.77
807.46
1,012.36
1,218.48
1,425.82
607,856.73
611,471.87
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
24,842.54
0.00407410
S/. 7,341.57
FLUJO (1.7%)
DESEMBOLSOS
FONDO
APORTE
GANANCIA
SALDO (0.59%)
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.77
607.46
812.36
1,018.48
1,225.82
1,434.40
611,471.87
611,174.16
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
1.29
2.48
3.69
4.90
6.12
7.34
8.58
3,615.14
-297.71
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
201.29
202.48
203.69
204.90
206.12
207.34
208.58
3,955.71
-297.71
465,339.31
0.00407410
S/. 89,166.49
611,174.16
0.00407410
S/. 132,352.21
0.00
SALDO (0.59%)
SALDO (0.45%)
COMISIN AFP
COMISIN POR
SALDO = 0.59%
AL AO (0.049%
AL MES)
0.00049
0.00049
0.00049
0.00049
0.00049
0.00049
0.00049
0.00049
0.00049
0.00049
0.00049
0.00049
0.00049
0.00049
0.59
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.10
0.20
0.30
0.40
0.50
0.60
0.70
297.71
38,317.14
0.00407410
S/. 7,341.57
SALDO PREVIO EN
EL SISTEMA
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.79
607.53
812.50
1,018.71
1,226.18
627,359.80
631,506.55
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
401.29
603.79
807.53
1,012.50
1,218.71
1,426.18
627,700.37
631,506.55
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.79
607.53
812.50
1,018.71
1,226.18
1,434.90
631,506.55
631,272.59
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
1.29
2.51
3.74
4.97
6.21
7.46
8.72
3,806.18
-233.96
485,373.99
0.00407410
S/. 92,739.60
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
201.29
202.51
203.74
204.97
206.21
207.46
208.72
4,146.75
-233.96
631,272.59
0.00407410
S/. 135,925.32
COMISIN POR
SALDO = 0.45%
AL AO (0.037%
AL MES)
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.45
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDO PREVIO EN
SALDOS
EL SISTEMA SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.07
0.00
0.15
201.29
0.23
403.64
0.30
607.06
0.38
811.56
0.45
1,017.14
0.53
1,223.80
233.96
508,020.75
511,050.41
29,832.42
0.00407410
S/. 5,699.68
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
401.29
603.64
807.06
1,011.56
1,217.14
1,423.80
508,361.32
511,050.41
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.64
607.06
811.56
1,017.14
1,223.80
1,431.56
511,050.41
510,465.26
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
1.29
2.35
3.42
4.50
5.58
6.67
7.76
2,689.09
-585.15
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
201.29
202.35
203.42
204.50
205.58
206.67
207.76
3,029.66
-585.15
364,917.85
0.00407410
S/. 71,063.06
510,465.26
0.00407410
S/. 114,248.78
COMISIN POR
SALDO = 1.39%
AL AO (0.11% AL
MES)
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
1.39
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.23
0.46
0.69
0.93
1.16
1.40
1.64
585.15
79,382.12
0.00407410
S/. 15,454.97
MES
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Dec-36
Jan-37
Dec-50
Jan-51
Dec-56
Jan-57
EDAD
22
22
22
22
22
22
22
22
22
45
46
59
60
65
66
APORTE
MENSUAL
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
585.05
585.05
534.46
0.00
0.00
0.00
SALDO PREVIO EN
EL SISTEMA
FLUJOS
0.00
201.29
403.87
607.75
812.95
1,019.47
1,227.31
1,436.50
1,647.03
257,348.35
259,592.94
929,226.13
935,742.63
1,475,405.88
201,666.04
0.00407410
S/. 77,464.55
RESUMEN CARLOS - RENTABILIDAD ANUAL 8%
(TASA DCTO. 5%)
FLUJO (1.7%)
SALDO (0.42%)
S/. 90,634
S/. 77,465
S/. 338,517
S/. 306,371
S/. 77,465
S/. 77,465
S/. 247,883
S/. 228,906
S/. 13,169
S/. 13,169
APORTES +
SALDO PREVIO
200.00
401.29
603.87
807.75
1,012.95
1,219.47
1,427.31
1,636.50
1,847.03
257,933.40
260,177.99
929,760.59
935,742.63
1,475,405.88
ENTABILIDAD ANUAL 8%
DCTO. 5%)
SALDO (0.45%)
S/. 77,465
S/. 304,432
S/. 77,465
S/. 226,967
S/. 13,950
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00407410
SALDOS
ACUMULADOS
MES A MES
201.29
403.87
607.75
812.95
1,019.47
1,227.31
1,436.50
1,647.03
1,858.91
259,592.94
261,851.96
935,742.63
941,763.16
1,484,898.59
GANANCIAS
1.29
2.58
3.89
5.20
6.52
7.85
9.18
10.53
11.88
1,659.53
1,673.97
5,982.04
6,020.53
9,492.70
APORTES +
GANANCIAS
201.29
202.58
203.89
205.20
206.52
207.85
209.18
210.53
211.88
2,244.59
2,259.03
6,516.50
6,020.53
9,492.70
1,283,232.55
0.00407410
S/. 261,052.22
1,484,898.59
0.00407410
S/. 338,516.78
S/. 400,000
4.3%
17.0%
5.8%
4.6%
18.0%
6.1%
S/. 350,000
S/. 300,000
S/. 250,000
S/. 200,000
S/. 150,000
S/. 100,000
S/. 50,000
S/. 0
DESEMBOLSOS
COMISION POR
FLUJO = 1.7% AL
MES
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDO PREVIO EN EL
FLUJOS
SISTEMA SALDOS
34.00
0.00
34.00
201.29
34.00
403.80
34.00
607.54
34.00
812.53
34.00
1,018.76
34.00
1,226.25
34.00
1,435.00
34.00
1,645.02
99.46
243,655.74
99.46
245,727.42
90.86
842,761.93
0.00
848,428.80
0.00
1,305,284.90
1,313,228.75
APORTES +
SALDO PREVIO
200.00
401.29
603.80
807.54
1,012.53
1,218.76
1,426.25
1,635.00
1,845.02
244,240.79
246,312.48
843,296.38
848,428.80
1,305,284.90
1,313,228.75
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
34,283.23
0.00407410
S/. 13,168.97
FLUJO (1.7%)
DESEMBOLSOS
FONDO
APORTE
SALDO (0.42%)
GANANCIA
LDO (0.42%)
SALDOS
ACUMULADOS
MES A MES
201.29
403.80
607.54
812.53
1,018.76
1,226.25
1,435.00
1,645.02
1,856.31
245,727.42
247,811.72
848,428.80
853,592.26
1,313,228.75
1,312,771.69
0.00
SALDO (0.45%)
COMISIN AFP
GANANCIAS
1.29
2.51
3.74
4.98
6.23
7.49
8.75
10.02
11.30
1,486.63
1,499.24
5,132.42
5,163.47
7,943.85
-457.06
APORTES +
GANANCIAS
201.29
202.51
203.74
204.98
206.23
207.49
208.75
210.02
211.30
2,071.68
2,084.29
5,666.87
5,163.47
7,943.85
-457.06
1,111,562.71
0.00407410
S/. 228,906.40
1,312,771.69
0.00407410
S/. 306,370.96
COMISIN POR
SALDO = 0.42%
AL AO (0.035%
AL MES)
0.00035
0.00035
0.00035
0.00035
0.00035
0.00035
0.00035
0.00035
0.00035
0.00035
0.00035
0.00035
0.00035
0.00035
0.42
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.07
0.14
0.21
0.28
0.35
0.43
0.50
0.57
0.65
85.52
86.25
295.29
297.09
457.06
63,951.63
0.00407410
S/. 13,168.97
SALDO PREVIO EN
EL SISTEMA
SALDOS
0.00
201.29
403.79
607.53
812.50
1,018.71
1,226.18
1,434.90
1,644.89
242,805.33
244,866.39
837,521.19
843,137.39
1,295,092.70
1,302,945.48
APORTES +
SALDO PREVIO
200.00
401.29
603.79
807.53
1,012.50
1,218.71
1,426.18
1,634.90
1,844.89
243,390.38
245,451.44
838,055.65
843,137.39
1,295,092.70
1,302,945.48
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
201.29
403.79
607.53
812.50
1,018.71
1,226.18
1,434.90
1,644.89
1,856.15
244,866.39
246,939.95
843,137.39
848,249.74
1,302,945.48
1,302,462.78
GANANCIAS
1.29
2.51
3.74
4.97
6.21
7.46
8.72
9.99
11.26
1,476.01
1,488.51
5,081.74
5,112.35
7,852.78
-482.71
1,101,279.45
0.00407410
S/. 226,967.46
APORTES +
GANANCIAS
201.29
202.51
203.74
204.97
206.21
207.46
208.72
209.99
211.26
2,061.06
2,073.56
5,616.19
5,112.35
7,852.78
-482.71
1,302,462.78
0.00407410
S/. 304,432.01
COMISIN POR
SALDO = 0.45%
AL AO (0.037%
AL MES)
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.00037
0.45
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDO PREVIO EN
SALDOS
EL SISTEMA SALDOS
0.07
0.00
0.15
201.29
0.23
403.64
0.30
607.06
0.38
811.56
0.45
1,017.14
0.53
1,223.80
0.61
1,431.56
0.69
1,640.42
90.72
215,623.69
91.48
217,352.94
312.36
678,079.39
314.25
682,203.62
482.71
992,130.54
997,377.88
67,690.62
0.00407410
S/. 13,949.84
APORTES +
SALDO PREVIO
200.00
401.29
603.64
807.06
1,011.56
1,217.14
1,423.80
1,631.56
1,840.42
216,208.75
217,937.99
678,613.84
682,203.62
992,130.54
997,377.88
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
201.29
403.64
607.06
811.56
1,017.14
1,223.80
1,431.56
1,640.42
1,850.39
217,352.94
219,091.32
682,203.62
685,811.76
997,377.88
996,235.88
GANANCIAS
1.29
2.35
3.42
4.50
5.58
6.67
7.76
8.86
9.96
1,144.19
1,153.34
3,589.77
3,608.15
5,247.34
-1,142.00
APORTES +
GANANCIAS
201.29
202.35
203.42
204.50
205.58
206.67
207.76
208.86
209.96
1,729.24
1,738.39
4,124.23
3,608.15
5,247.34
-1,142.00
795,711.84
0.00407410
S/. 168,516.73
996,235.88
0.00407410
S/. 245,981.28
COMISIN POR
SALDO = 1.39%
AL AO (0.11% AL
MES)
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
1.39
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.23
0.46
0.69
0.93
1.16
1.40
1.64
1.88
2.12
248.87
250.86
781.12
785.26
1,142.00
173,123.73
0.00407410
S/. 36,655.66
MES
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Dec-56
Jan-57
EDAD
22
22
22
22
22
22
22
22
22
22
22
22
23
65
66
SUELDO (crece en 5% al
ao, se mantiene desde
los 45 aos y decrece en
1% desde los 51 aos)
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2100.00
5031.79
0.00
SUMA SIMPLE
TASA DE DESCUENTO 8%
VALOR ACTUAL
APORTE
MENSUAL
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
210.00
503.18
0.00
SALDO PREVIO EN
EL SISTEMA
FLUJOS
0.00
201.29
403.87
607.75
812.95
1,019.47
1,227.31
1,436.50
1,647.03
1,858.91
2,072.16
2,286.78
2,502.78
1,522,080.19
238,822.21
0.00643396
S/. 51,517.13
RESUMEN JUAN - RENTABILIDAD ANUAL 8%
(TASA DCTO. 8%)
FLUJO (1.7%)
SALDO (0.65%)
S/. 60,275
S/. 51,517
S/. 167,101
S/. 147,167
S/. 51,517
S/. 51,517
S/. 106,826
S/. 95,650
S/. 8,758
S/. 8,758
APORTES +
SALDO PREVIO
200.00
401.29
603.87
807.75
1,012.95
1,219.47
1,427.31
1,636.50
1,847.03
2,058.91
2,272.16
2,486.78
2,712.78
1,522,583.37
AN - RENTABILIDAD ANUAL 8%
TASA DCTO. 8%)
SALDO (1.39%)
S/. 51,517
S/. 128,361
S/. 51,517
S/. 76,844
S/. 16,711
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
201.29
403.87
607.75
812.95
1,019.47
1,227.31
1,436.50
1,647.03
1,858.91
2,072.16
2,286.78
2,502.78
2,730.23
1,532,379.61
GANANCIAS
1.29
2.58
3.89
5.20
6.52
7.85
9.18
10.53
11.88
13.25
14.62
16.00
17.45
9,796.24
APORTES +
GANANCIAS
201.29
202.58
203.89
205.20
206.52
207.85
209.18
210.53
211.88
213.25
214.62
216.00
227.45
10,299.42
1,293,557.40
0.00643396
S/. 115,584.12
1,532,379.61
0.00643396
S/. 167,101.24
S/. 180,000
5.2%
17.0%
8.2%
6.0%
17.0%
9.2%
13.0%
32.4%
21.7%
S/. 120,000
S/. 100,000
S/. 80,000
S/. 60,000
S/. 40,000
S/. 20,000
S/. 0
DESEMBOLSOS
COMISION POR
FLUJO = 1.7% AL
MES
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
COBROS DE LA
AFP EN EL
SALDO PREVIO EN
SISTEMA DE
EL SISTEMA
FLUJOS
SALDOS
34.00
0.00
34.00
201.29
34.00
403.76
34.00
607.43
34.00
812.30
34.00
1,018.37
34.00
1,225.67
34.00
1,434.18
34.00
1,643.93
34.00
1,854.91
34.00
2,067.13
34.00
2,280.61
35.70
2,495.34
85.54
1,267,892.67
1,275,875.88
APORTES +
SALDO PREVIO
200.00
401.29
603.76
807.43
1,012.30
1,218.37
1,425.67
1,634.18
1,843.93
2,054.91
2,267.13
2,480.61
2,705.34
1,268,395.85
1,275,875.88
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
40,599.78
0.00643396
S/. 8,757.91
FLUJO (1.7%)
DESEMBOLSOS
FONDO
APORTE
SALDO (0.65%)
GANANCIA
SALDOS
ACUMULADOS
MES A MES
201.29
403.76
607.43
812.30
1,018.37
1,225.67
1,434.18
1,643.93
1,854.91
2,067.13
2,280.61
2,495.34
2,721.41
1,275,875.88
1,275,190.82
GANANCIAS
1.29
2.47
3.67
4.87
6.08
7.29
8.51
9.74
10.98
12.23
13.48
14.74
16.07
7,480.03
-685.06
APORTES +
GANANCIAS
201.29
202.47
203.67
204.87
206.08
207.29
208.51
209.74
210.98
212.23
213.48
214.74
226.07
7,983.21
-685.06
1,037,053.68
0.00643396
S/. 95,649.52
1,275,190.82
0.00643396
S/. 147,166.65
0.00
SALDO (0.65%)
SALDO (1.39%)
COMISIN AFP
COMISIN POR
SALDO = 0.65%
AL AO (0.054%
AL MES)
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.65
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.11
0.22
0.33
0.44
0.55
0.66
0.77
0.88
1.00
1.11
1.22
1.34
1.46
685.06
94,970.97
0.00643396
S/. 8,757.91
SALDO PREVIO EN
EL SISTEMA SALDOS
0.00
201.29
403.64
607.06
811.56
1,017.14
1,223.80
1,431.56
1,640.42
1,850.39
2,061.46
2,273.65
2,486.96
1,036,839.78
1,042,830.00
APORTES +
SALDO PREVIO
200.00
401.29
603.64
807.06
1,011.56
1,217.14
1,423.80
1,631.56
1,840.42
2,050.39
2,261.46
2,473.65
2,696.96
1,037,342.96
1,042,830.00
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
201.29
403.64
607.06
811.56
1,017.14
1,223.80
1,431.56
1,640.42
1,850.39
2,061.46
2,273.65
2,486.96
2,711.47
1,042,830.00
1,041,635.96
0.00
GANANCIAS
1.29
2.35
3.42
4.50
5.58
6.67
7.76
8.86
9.96
11.07
12.19
13.31
14.50
5,487.04
-1,194.04
804,007.79
0.00643396
S/. 76,844.13
APORTES +
GANANCIAS
201.29
202.35
203.42
204.50
205.58
206.67
207.76
208.86
209.96
211.07
212.19
213.31
224.50
5,990.22
-1,194.04
1,041,635.96
0.00643396
S/. 128,361.26
COMISIN POR
SALDO = 1.39%
AL AO (0.11%
AL MES)
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
1.39
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.23
0.46
0.69
0.93
1.16
1.40
1.64
1.88
2.12
2.36
2.60
2.85
3.10
1,194.04
174,919.94
0.00643396
S/. 16,711.05
MES
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21
Dec-56
Jan-57
EDAD
22
22
22
22
22
22
30
30
30
30
30
30
30
65
66
SUELDO (ingresos
comienzan a los 30 aos,
salario crece en 5% al
ao, se mantiene desde
los 45 aos y decrece en
1% desde los 51 aos)
0.00
0.00
0.00
0.00
0.00
0.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
3405.71
0.00
SUMA SIMPLE
TASA DE DESCUENTO 8%
VALOR ACTUAL
APORTE
MENSUAL
0.00
0.00
0.00
0.00
0.00
0.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
340.57
0.00
SALDO PREVIO EN
EL SISTEMA
FLUJOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.87
607.75
812.95
1,019.47
1,227.31
695,621.22
146,132.56
0.00643396
S/. 23,548.10
RESUMEN MARIA - RENTABILIDAD ANUAL 8%
(TASA DCTO. 8%)
FLUJO (1.7%)
SALDO (0.80%)
S/. 27,551
S/. 23,548
S/. 66,647
S/. 58,479
S/. 23,548
S/. 23,548
S/. 39,096
S/. 34,930
S/. 4,003
S/. 4,003
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
401.29
603.87
807.75
1,012.95
1,219.47
1,427.31
695,961.79
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.87
607.75
812.95
1,019.47
1,227.31
1,436.50
700,439.58
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
1.29
2.58
3.89
5.20
6.52
7.85
9.18
4,477.79
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
201.29
202.58
203.89
205.20
206.52
207.85
209.18
4,818.36
554,307.02
0.00643396
S/. 43,098.96
700,439.58
0.00643396
S/. 66,647.07
S/. 70,000
6.8%
17.0%
11.5%
5.6%
14.1%
9.2%
S/. 60,000
S/. 50,000
S/. 40,000
S/. 30,000
S/. 20,000
S/. 10,000
S/. 0
DESEMBOLSOS
COMISION POR
FLUJO = 1.7% AL
MES
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
COBROS DE LA
AFP EN EL
SALDO PREVIO EN
SISTEMA DE
EL SISTEMA
FLUJOS
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
34.00
0.00
34.00
201.29
34.00
403.74
34.00
607.35
34.00
812.15
34.00
1,018.13
34.00
1,225.29
57.90
579,573.80
583,263.93
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
401.29
603.74
807.35
1,012.15
1,218.13
1,425.29
579,914.37
583,263.93
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
24,842.54
0.00643396
S/. 4,003.18
FLUJO (1.7%)
DESEMBOLSOS
FONDO
APORTE
SALDO (0.80%)
GANANCIA
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.74
607.35
812.15
1,018.13
1,225.29
1,433.66
583,263.93
582,879.91
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
1.29
2.45
3.62
4.79
5.98
7.17
8.36
3,349.56
-384.02
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
201.29
202.45
203.62
204.79
205.98
207.17
208.36
3,690.13
-384.02
437,131.37
0.00643396
S/. 34,930.44
582,879.91
0.00643396
S/. 58,478.55
0.00
SALDO (0.80%)
SALDO (0.65%)
COMISIN AFP
COMISIN POR
SALDO = 0.80%
AL AO (0.066%
AL MES)
0.00066
0.00066
0.00066
0.00066
0.00066
0.00066
0.00066
0.00066
0.00066
0.00066
0.00066
0.00066
0.00066
0.00066
0.80
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.13
0.27
0.40
0.53
0.67
0.81
0.94
384.02
50,108.37
0.00643396
S/. 4,003.18
SALDO PREVIO EN
EL SISTEMA
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.76
607.43
812.30
1,018.37
1,225.67
599,204.13
603,080.42
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
401.29
603.76
807.43
1,012.30
1,218.37
1,425.67
599,544.70
603,080.42
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.76
607.43
812.30
1,018.37
1,225.67
1,434.18
603,080.42
602,756.60
0.00
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
1.29
2.47
3.67
4.87
6.08
7.29
8.51
3,535.71
-323.82
456,947.86
0.00643396
S/. 36,330.67
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
201.29
202.47
203.67
204.87
206.08
207.29
208.51
3,876.28
-323.82
602,756.60
0.00643396
S/. 59,878.78
COMISIN POR
SALDO = 0.65%
AL AO (0.054%
AL MES)
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.65
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDO PREVIO EN
SALDOS
EL SISTEMA SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.11
0.00
0.22
201.29
0.33
403.64
0.44
607.06
0.55
811.56
0.66
1,017.14
0.77
1,223.80
323.82
508,020.75
511,050.41
41,844.21
0.00643396
S/. 3,326.33
APORTES +
SALDO PREVIO
0.00
0.00
0.00
0.00
0.00
0.00
200.00
401.29
603.64
807.06
1,011.56
1,217.14
1,423.80
508,361.32
511,050.41
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
0.00
0.00
0.00
0.00
0.00
0.00
201.29
403.64
607.06
811.56
1,017.14
1,223.80
1,431.56
511,050.41
510,465.26
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
1.29
2.35
3.42
4.50
5.58
6.67
7.76
2,689.09
-585.15
APORTES +
GANANCIAS
0.00
0.00
0.00
0.00
0.00
0.00
201.29
202.35
203.42
204.50
205.58
206.67
207.76
3,029.66
-585.15
364,917.85
0.00643396
S/. 29,751.54
510,465.26
0.00643396
S/. 53,299.64
COMISIN POR
SALDO = 1.39%
AL AO (0.11%
AL MES)
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
1.39
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.23
0.46
0.69
0.93
1.16
1.40
1.64
585.15
79,382.12
0.00643396
S/. 6,469.07
MES
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Dec-36
Jan-37
Dec-50
Jan-51
Dec-56
Jan-57
EDAD
22
22
22
22
22
22
22
22
22
45
46
59
60
65
66
APORTE
MENSUAL
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
585.05
585.05
534.46
0.00
0.00
0.00
SALDO PREVIO EN
EL SISTEMA
FLUJOS
0.00
201.29
403.87
607.75
812.95
1,019.47
1,227.31
1,436.50
1,647.03
257,348.35
259,592.94
929,226.13
935,742.63
1,475,405.88
201,666.04
0.00643396
S/. 49,920.86
RESUMEN CARLOS - RENTABILIDAD ANUAL 8%
(TASA DCTO. 8%)
FLUJO (1.7%)
SALDO (0.63%)
S/. 58,407
S/. 49,921
S/. 165,098
S/. 145,753
S/. 49,921
S/. 49,921
S/. 106,691
S/. 95,832
S/. 8,487
S/. 8,487
APORTES +
SALDO PREVIO
200.00
401.29
603.87
807.75
1,012.95
1,219.47
1,427.31
1,636.50
1,847.03
257,933.40
260,177.99
929,760.59
935,742.63
1,475,405.88
ENTABILIDAD ANUAL 8%
DCTO. 8%)
SALDO (0.65%)
S/. 49,921
S/. 145,201
S/. 49,921
S/. 95,280
S/. 8,724
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
201.29
403.87
607.75
812.95
1,019.47
1,227.31
1,436.50
1,647.03
1,858.91
259,592.94
261,851.96
935,742.63
941,763.16
1,484,898.59
GANANCIAS
1.29
2.58
3.89
5.20
6.52
7.85
9.18
10.53
11.88
1,659.53
1,673.97
5,982.04
6,020.53
9,492.70
APORTES +
GANANCIAS
201.29
202.58
203.89
205.20
206.52
207.85
209.18
210.53
211.88
2,244.59
2,259.03
6,516.50
6,020.53
9,492.70
1,283,232.55
0.00643396
S/. 115,177.33
1,484,898.59
0.00643396
S/. 165,098.19
S/. 180,000
5.8%
17.0%
8.9%
6.0%
17.5%
9.2%
S/. 160,000
S/. 140,000
S/. 120,000
S/. 100,000
S/. 80,000
S/. 60,000
S/. 40,000
S/. 20,000
S/. 0
DESEMBOLSOS
COMISION POR
FLUJO = 1.7% AL
MES
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
0.017
COBROS DE LA
AFP EN EL
SALDO PREVIO EN
SISTEMA DE
EL SISTEMA
FLUJOS
SALDOS
34.00
0.00
34.00
201.29
34.00
403.76
34.00
607.44
34.00
812.32
34.00
1,018.41
34.00
1,225.72
34.00
1,434.25
34.00
1,644.02
99.46
237,204.59
99.46
239,196.05
90.86
803,386.36
0.00
808,674.87
0.00
1,229,054.88
1,236,322.58
APORTES +
SALDO PREVIO
200.00
401.29
603.76
807.44
1,012.32
1,218.41
1,425.72
1,634.25
1,844.02
237,789.64
239,781.11
803,920.82
808,674.87
1,229,054.88
1,236,322.58
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
34,283.23
0.00643396
S/. 8,486.55
FLUJO (1.7%)
DESEMBOLSOS
FONDO
APORTE
SALDO (0.63%)
GANANCIA
SALDOS
ACUMULADOS
MES A MES
201.29
403.76
607.44
812.32
1,018.41
1,225.72
1,434.25
1,644.02
1,855.03
239,196.05
241,199.29
808,674.87
813,456.77
1,236,322.58
1,235,678.80
GANANCIAS
1.29
2.48
3.67
4.88
6.09
7.31
8.53
9.77
11.01
1,406.41
1,418.19
4,754.06
4,781.89
7,267.70
-643.78
APORTES +
GANANCIAS
201.29
202.48
203.67
204.88
206.09
207.31
208.53
209.77
211.01
1,991.46
2,003.24
5,288.51
4,781.89
7,267.70
-643.78
1,034,656.54
0.00643396
S/. 95,832.27
1,235,678.80
0.00643396
S/. 145,753.13
0.00
SALDO (0.63%)
SALDO (0.65%)
COMISIN AFP
COMISIN POR
SALDO = 0.63%
AL AO (0.052%
AL MES)
0.00052
0.00052
0.00052
0.00052
0.00052
0.00052
0.00052
0.00052
0.00052
0.00052
0.00052
0.00052
0.00052
0.00052
0.63
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.10
0.21
0.32
0.42
0.53
0.64
0.75
0.86
0.97
124.55
125.60
421.09
423.58
643.78
91,640.91
0.00643396
S/. 8,486.55
SALDO PREVIO EN
EL SISTEMA
SALDOS
0.00
201.29
403.76
607.43
812.30
1,018.37
1,225.67
1,434.18
1,643.93
236,609.86
238,593.97
799,800.53
805,054.87
1,222,153.19
1,229,360.26
APORTES +
SALDO PREVIO
200.00
401.29
603.76
807.43
1,012.30
1,218.37
1,425.67
1,634.18
1,843.93
237,194.92
239,179.03
800,334.98
805,054.87
1,222,153.19
1,229,360.26
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
201.29
403.76
607.43
812.30
1,018.37
1,225.67
1,434.18
1,643.93
1,854.91
238,593.97
240,589.78
805,054.87
809,802.29
1,229,360.26
1,228,700.17
0.00
GANANCIAS
1.29
2.47
3.67
4.87
6.08
7.29
8.51
9.74
10.98
1,399.06
1,410.76
4,719.88
4,747.43
7,207.07
-660.09
1,027,694.22
0.00643396
S/. 95,280.50
APORTES +
GANANCIAS
201.29
202.47
203.67
204.87
206.08
207.29
208.51
209.74
210.98
1,984.11
1,995.81
5,254.34
4,747.43
7,207.07
-660.09
1,228,700.17
0.00643396
S/. 145,201.36
COMISIN POR
SALDO = 0.65%
AL AO (0.054%
AL MES)
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.00054
0.65
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDO PREVIO EN
SALDOS
EL SISTEMA SALDOS
0.11
0.00
0.22
201.29
0.33
403.64
0.44
607.06
0.55
811.56
0.66
1,017.14
0.77
1,223.80
0.88
1,431.56
1.00
1,640.42
128.11
215,623.69
129.18
217,352.94
432.26
678,079.39
434.81
682,203.62
660.09
992,130.54
997,377.88
94,115.57
0.00643396
S/. 8,724.19
APORTES +
SALDO PREVIO
200.00
401.29
603.64
807.06
1,011.56
1,217.14
1,423.80
1,631.56
1,840.42
216,208.75
217,937.99
678,613.84
682,203.62
992,130.54
997,377.88
RENTABILIDAD
ANUAL 8%
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
0.00643396
SALDOS
ACUMULADOS
MES A MES
201.29
403.64
607.06
811.56
1,017.14
1,223.80
1,431.56
1,640.42
1,850.39
217,352.94
219,091.32
682,203.62
685,811.76
997,377.88
996,235.88
GANANCIAS
1.29
2.35
3.42
4.50
5.58
6.67
7.76
8.86
9.96
1,144.19
1,153.34
3,589.77
3,608.15
5,247.34
-1,142.00
APORTES +
GANANCIAS
201.29
202.35
203.42
204.50
205.58
206.67
207.76
208.86
209.96
1,729.24
1,738.39
4,124.23
3,608.15
5,247.34
-1,142.00
795,711.84
0.00643396
S/. 76,516.75
996,235.88
0.00643396
S/. 126,437.61
COMISIN POR
SALDO = 1.39%
AL AO (0.11% AL
MES)
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
0.00115
1.39
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.23
0.46
0.69
0.93
1.16
1.40
1.64
1.88
2.12
248.87
250.86
781.12
785.26
1,142.00
173,123.73
0.00643396
S/. 16,640.20
MES
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-56
Dec-56
Jan-57
EDAD
22
22
22
22
22
22
22
22
22
22
65
65
66
SUELDO (crece en 5% al
ao, se mantiene desde
los 45 aos y decrece en
1% desde los 51 aos)
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
5031.79
5031.79
0.00
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
APORTE
MENSUAL
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
503.18
503.18
0.00
SALDO PREVIO EN
EL SISTEMA
FLUJOS
0.00
200.34
401.02
602.10
803.86
1,005.58
1,206.93
1,408.15
1,611.64
1,813.31
357,772.72
358,573.84
238,822.21
0.00407410
S/. 82,506.07
RESUMEN JUAN
RENTABILIDAD ANUAL 5%
FLUJO (1.7%)
SALDO (0.095%)
S/. 96,532
S/. 82,506
S/. 111,208
S/. 93,595
S/. 82,506
S/. 82,506
S/. 14,676
S/. 11,089
S/. 14,026
S/. 14,088
APORTES +
SALDO PREVIO
200.00
400.34
601.02
802.10
1,003.86
1,205.58
1,406.93
1,608.15
1,811.64
2,013.31
358,275.90
359,077.02
DIFERENCIA
SALDO-FLUJO
S/. -14,026
S/. -17,613
S/. 0
S/. -3,587
S/. 62
RENTABILIDAD
CON EFECTO
VOLATILIDAD
0.00170159
0.00170159
0.00179159
0.00220159
0.00171159
0.00112159
0.00086159
0.00217159
0.00092159
0.00207159
0.00083159
0.00205159
SALDOS
ACUMULADOS
MES A MES
200.34
401.02
602.10
803.86
1,005.58
1,206.93
1,408.15
1,611.64
1,813.31
2,017.48
358,573.84
359,813.70
15.1%
17.1%
127.0%
GANANCIAS
0.34
0.68
1.08
1.77
1.72
1.35
1.21
3.49
1.67
4.17
297.94
736.68
APORTES +
GANANCIAS
200.34
200.68
201.08
201.77
201.72
201.35
201.21
203.49
201.67
204.17
801.12
1,239.86
120,991.49
0.00407410
S/. 28,701.87
359,813.70
0.00407410
S/. 111,207.94
S/. 120,000
S/. 100,000
S/. 80,000
S/. 60,000
S/. 40,000
S/. 20,000
S/. 0
DESEMBOLSOS
APORTES +
SALDO PREVIO
200.00
400.34
600.83
801.53
1,002.73
1,203.69
1,404.09
1,604.16
1,806.32
2,006.47
283,290.89
283,762.70
284,077.14
RENTABILIDAD
CON EFECTO
VOLATILIDAD
0.00170159
0.00170159
0.00179159
0.00220159
0.00171159
0.00112159
0.00086159
0.00217159
0.00092159
0.00207159
0.00083159
0.00205159
40,599.78
0.00407410
S/. 14,026.03
FLUJO (1.7%)
FONDO
APORTE
GANANCIA
SALDOS
ACUMULADOS
MES A MES
200.34
400.83
601.53
802.73
1,003.69
1,204.09
1,404.16
1,606.32
1,806.47
2,008.92
283,259.53
284,077.14
283,808.96
0.00
SALDO (0.095%)
COMISIN AFP
GANANCIAS
0.34
0.49
0.70
1.20
0.96
0.40
0.07
2.16
0.15
2.45
-31.36
314.43
-268.18
APORTES +
GANANCIAS
200.34
200.49
200.70
201.20
200.96
200.40
200.07
202.16
200.15
202.45
471.82
817.61
-268.18
45,254.93
0.00407410
S/. 11,089.20
283,808.96
0.00407410
S/. 93,595.27
COMISIN POR
SALDO = 1.14%
AL AO (0.095%
AL MES)
0.00095
0.00095
0.00095
0.00095
0.00095
0.00095
0.00095
0.00095
0.00095
0.00095
0.00095
0.00095
1.14
COBROS DE LA
AFP EN EL
SISTEMA DE
SALDOS
0.19
0.38
0.57
0.76
0.95
1.14
1.33
1.52
1.71
1.90
267.73
268.18
58,057.49
0.00407410
S/. 14,088.36