Documentos de Académico
Documentos de Profesional
Documentos de Cultura
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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
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
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
238,822.21
0.00407410
S/. 82,506.07
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
FLUJOS
SALDO PREVIO
ANUAL 5%
MES A MES
0.00
200.00
0.00407410
200.81
200.81
400.81
0.00407410
402.45
402.45
602.45
0.00407410
604.90
604.90
804.90
0.00407410
808.18
808.18
1,008.18
0.00407410
1,012.29
1,012.29
1,212.29
0.00407410
1,217.23
1,217.23
1,417.23
0.00407410
1,423.00
1,423.00
1,623.00
0.00407410
1,629.61
1,629.61
1,829.61
0.00407410
1,837.07
1,837.07
2,037.07
0.00407410
2,045.37
2,045.37
2,245.37
0.00407410
2,254.52
2,254.52
2,454.52
0.00407410
2,464.52
2,464.52
2,674.52
0.00407410
2,685.41
705,504.83
706,008.01
0.00407410
708,884.36
8.7%
17.0%
17.8%
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
COBROS DE LA
COMISION POR
AFP EN EL
APORTES +
FLUJO = 1.7% AL
SISTEMA DE
GANANCIAS
MES
FLUJOS
200.81
0.017
34.00
201.63
0.017
34.00
202.45
0.017
34.00
203.28
0.017
34.00
204.11
0.017
34.00
204.94
0.017
34.00
205.77
0.017
34.00
206.61
0.017
34.00
207.45
0.017
34.00
208.30
0.017
34.00
209.15
0.017
34.00
210.00
0.017
34.00
220.90
0.017
35.70
3,379.53
0.017
85.54
470,062.15
0.00407410
S/. 103,218.67
708,884.36
0.00407410
S/. 185,724.74
N COMO PORCENTAJE
.?
SALDO (1.39%)
16.7%
29.0%
39.3%
40,599.78
0.00407410
S/. 14,026.03
S/. 200,000
S/. 180,000
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
FONDO
FONDO
SALDO PREVIO EN EL
APORTES +
RENTABILIDAD
SISTEMA SALDOS
SALDO PREVIO
ANUAL 5%
0.00
200.00
0.00407410
200.81
400.81
0.00407410
402.32
602.32
0.00407410
604.53
804.53
0.00407410
807.44
1,007.44
0.00407410
1,011.04
1,211.04
0.00407410
1,215.36
1,415.36
0.00407410
1,420.37
1,620.37
0.00407410
1,626.10
1,826.10
0.00407410
1,832.54
2,032.54
0.00407410
2,039.69
2,239.69
0.00407410
2,247.56
2,447.56
0.00407410
2,456.15
2,666.15
0.00407410
587,175.29
587,678.47
0.00407410
589,711.41
589,711.41
FLUJO (1.7%)
APORTE
SALDO (0.74%)
GANANCIA
SALDO (1.39%)
COMISIN AFP
DO (0.74%)
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
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
APORTES +
SALDOS
EL SISTEMA SALDOS SALDO PREVIO
0.12
0.00
200.00
0.25
200.81
400.81
0.37
402.22
602.22
0.50
604.21
804.21
0.62
806.79
1,006.79
0.75
1,009.97
1,209.97
0.87
1,213.74
1,413.74
1.00
1,418.11
1,618.11
1.13
1,623.07
1,823.07
1.26
1,828.64
2,028.64
1.38
2,034.80
2,234.80
1.51
2,241.57
2,441.57
1.65
2,448.95
2,658.95
362.88
503,825.51
504,328.69
505,805.14
505,805.14
62,616.31
0.00407410
S/. 14,026.03
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
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##
##
##
##
##
##
##
##
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
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
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
146,132.56
0.00407410
S/. 43,185.72
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
FLUJOS
SALDO PREVIO
ANUAL 5%
MES A MES
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
200.00
0.00407410
200.81
200.81
400.81
0.00407410
402.45
402.45
602.45
0.00407410
604.90
604.90
804.90
0.00407410
808.18
808.18
1,008.18
0.00407410
1,012.29
1,012.29
1,212.29
0.00407410
1,217.23
1,217.23
1,417.23
0.00407410
1,423.00
369,201.51
369,542.08
0.00407410
371,047.63
9.6%
17.0%
22.1%
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
224,915.07
0.00407410
S/. 45,081.31
N COMO PORCENTAJE
.?
SALDO (0.74%)
COBROS DE LA
COMISION POR
AFP EN EL
APORTES +
FLUJO = 1.7% AL
SISTEMA DE
GANANCIAS
MES
FLUJOS
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
200.81
0.017
34.00
201.63
0.017
34.00
202.45
0.017
34.00
203.28
0.017
34.00
204.11
0.017
34.00
204.94
0.017
34.00
205.77
0.017
34.00
1,846.12
0.017
57.90
371,047.63
0.00407410
S/. 88,267.03
24,842.54
0.00407410
S/. 7,341.57
S/. 100,000
S/. 90,000
S/. 80,000
S/. 70,000
8.0%
14.4%
17.8%
S/. 60,000
S/. 50,000
S/. 40,000
S/. 30,000
S/. 20,000
S/. 10,000
S/. 0
DESEMBOLSOS
FONDO
ONDO
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 5%
MES A MES
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
200.00
0.00407410
200.81
200.81
400.81
0.00407410
402.30
402.30
602.30
0.00407410
604.46
604.46
804.46
0.00407410
807.29
807.29
1,007.29
0.00407410
1,010.80
1,010.80
1,210.80
0.00407410
1,214.99
1,214.99
1,414.99
0.00407410
1,419.86
307,339.44
307,680.01
0.00407410
308,707.01
308,707.01
308,707.01
308,479.48
0.00
FLUJO (1.7%)
APORTE
SALDO (0.89%)
GANANCIA
SALDO (0.74%)
COMISIN AFP
DO (0.74%)
OMISIN AFP
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
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
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 5%
MES A MES
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
200.00
0.00407410
200.81
200.81
400.81
0.00407410
402.32
402.32
602.32
0.00407410
604.53
604.53
804.53
0.00407410
807.44
807.44
1,007.44
0.00407410
1,011.04
1,011.04
1,211.04
0.00407410
1,215.36
1,215.36
1,415.36
0.00407410
1,420.37
316,638.30
316,978.87
0.00407410
318,075.43
318,075.43
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
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
171,942.87
0.00407410
S/. 34,971.65
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
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.12
0.25
0.37
0.50
0.62
0.75
0.87
195.73
30,680.07
0.00407410
S/. 6,238.57
SALDO PREVIO EN
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 5%
MES A MES
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
0.00
0.00407410
0.00
0.00
200.00
0.00407410
200.81
200.81
400.81
0.00407410
402.22
402.22
602.22
0.00407410
604.21
604.21
804.21
0.00407410
806.79
806.79
1,006.79
0.00407410
1,009.97
1,009.97
1,209.97
0.00407410
1,213.74
1,213.74
1,413.74
0.00407410
1,418.11
278,318.76
278,659.33
0.00407410
279,475.19
279,475.19
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
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###
###
###
###
###
###
##
##
##
##
##
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
SUELDO (crece en 5% al
ao, se mantiene desde los
45 aos y decrece desde
los 51 aos. A los 60 aos
deja de tener ingresos)
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
5850.52
5850.52
5344.55
0.00
0.00
0.00
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
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
201,666.04
0.00407410
S/. 77,464.55
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
FLUJOS
SALDO PREVIO
ANUAL 5%
MES A MES
0.00
200.00
0.00407410
200.81
200.81
400.81
0.00407410
402.45
402.45
602.45
0.00407410
604.90
604.90
804.90
0.00407410
808.18
808.18
1,008.18
0.00407410
1,012.29
1,012.29
1,212.29
0.00407410
1,217.23
1,217.23
1,417.23
0.00407410
1,423.00
1,423.00
1,623.00
0.00407410
1,629.61
1,629.61
1,829.61
0.00407410
1,837.07
179,993.79
180,578.84
0.00407410
181,314.54
181,314.54
181,899.59
0.00407410
182,640.67
494,108.35
494,642.81
0.00407410
496,658.03
496,658.03
496,658.03
0.00407410
498,681.47
662,867.54
662,867.54
0.00407410
665,568.13
8.4%
17.0%
16.6%
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
COBROS DE LA
COMISION POR
AFP EN EL
APORTES +
FLUJO = 1.7% AL
SISTEMA DE
GANANCIAS
MES
FLUJOS
200.81
0.017
34.00
201.63
0.017
34.00
202.45
0.017
34.00
203.28
0.017
34.00
204.11
0.017
34.00
204.94
0.017
34.00
205.77
0.017
34.00
206.61
0.017
34.00
207.45
0.017
34.00
1,320.75
0.017
99.46
1,326.13
0.017
99.46
2,549.68
0.017
90.86
2,023.43
0.017
0.00
2,700.59
0.017
0.00
463,902.10
0.00407410
S/. 102,425.77
665,568.13
0.00407410
S/. 179,890.33
N COMO PORCENTAJE
.?
SALDO (0.74%)
34,283.23
0.00407410
S/. 13,168.97
S/. 200,000
S/. 180,000
S/. 160,000
S/. 140,000
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
FONDO
FONDO
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 5%
MES A MES
0.00
200.00
0.00407410
200.81
200.81
400.81
0.00407410
402.33
402.33
602.33
0.00407410
604.55
604.55
804.55
0.00407410
807.48
807.48
1,007.48
0.00407410
1,011.12
1,011.12
1,211.12
0.00407410
1,215.47
1,215.47
1,415.47
0.00407410
1,420.53
1,420.53
1,620.53
0.00407410
1,626.31
1,626.31
1,826.31
0.00407410
1,832.81
165,904.79
166,489.84
0.00407410
167,072.08
167,072.08
167,657.14
0.00407410
168,243.46
428,631.90
429,166.36
0.00407410
430,666.66
430,666.66
430,666.66
0.00407410
432,171.90
551,728.80
551,728.80
0.00407410
553,657.17
553,657.17
553,657.17
553,336.62
0.00
FLUJO (1.7%)
APORTE
SALDO (0.70%)
GANANCIA
SALDO (0.74%)
COMISIN AFP
LDO (0.74%)
OMISIN AFP
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
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
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 5%
MES A MES
0.00
200.00
0.00407410
200.81
200.81
400.81
0.00407410
402.32
402.32
602.32
0.00407410
604.53
604.53
804.53
0.00407410
807.44
807.44
1,007.44
0.00407410
1,011.04
1,011.04
1,211.04
0.00407410
1,215.36
1,215.36
1,415.36
0.00407410
1,420.37
1,420.37
1,620.37
0.00407410
1,626.10
1,626.10
1,826.10
0.00407410
1,832.54
165,069.40
165,654.45
0.00407410
166,227.77
166,227.77
166,812.82
0.00407410
167,390.15
424,889.86
425,424.31
0.00407410
426,896.08
426,896.08
426,896.08
0.00407410
428,372.61
545,492.15
545,492.15
0.00407410
547,378.87
547,378.87
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
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
345,712.84
0.00407410
S/. 77,950.21
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
SALDOS
0.12
0.25
0.37
0.50
0.62
0.75
0.87
1.00
1.13
102.29
103.00
262.69
263.60
336.83
61,696.28
0.00407410
S/. 13,907.56
SALDO PREVIO EN
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 5%
MES A MES
0.00
200.00
0.00407410
200.81
200.81
400.81
0.00407410
402.22
402.22
602.22
0.00407410
604.21
604.21
804.21
0.00407410
806.79
806.79
1,006.79
0.00407410
1,009.97
1,009.97
1,209.97
0.00407410
1,213.74
1,213.74
1,413.74
0.00407410
1,418.11
1,418.11
1,618.11
0.00407410
1,623.07
1,623.07
1,823.07
0.00407410
1,828.64
153,471.46
154,056.51
0.00407410
154,508.02
154,508.02
155,093.07
0.00407410
155,547.60
374,574.03
375,108.49
0.00407410
376,206.82
376,206.82
376,206.82
0.00407410
377,307.75
462,945.84
462,945.84
0.00407410
464,300.60
464,300.60
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
0.0011513497
###
###
###
###
###
###
###
###
###
##
##
##
##
##
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
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
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
238,822.21
0.00407410
S/. 82,506.07
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
FLUJOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.87
403.87
603.87
0.00643396
607.75
607.75
807.75
0.00643396
812.95
812.95
1,012.95
0.00643396
1,019.47
1,019.47
1,219.47
0.00643396
1,227.31
1,227.31
1,427.31
0.00643396
1,436.50
1,436.50
1,636.50
0.00643396
1,647.03
1,647.03
1,847.03
0.00643396
1,858.91
1,858.91
2,058.91
0.00643396
2,072.16
2,072.16
2,272.16
0.00643396
2,286.78
2,286.78
2,486.78
0.00643396
2,502.78
2,502.78
2,712.78
0.00643396
2,730.23
1,522,080.19
1,522,583.37
0.00643396
1,532,379.61
0.00407410
4.5%
17.0%
6.1%
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
COBROS DE LA
COMISION POR
AFP EN EL
APORTES +
FLUJO = 1.7% AL
SISTEMA DE
GANANCIAS
MES
FLUJOS
201.29
0.017
34.00
202.58
0.017
34.00
203.89
0.017
34.00
205.20
0.017
34.00
206.52
0.017
34.00
207.85
0.017
34.00
209.18
0.017
34.00
210.53
0.017
34.00
211.88
0.017
34.00
213.25
0.017
34.00
214.62
0.017
34.00
216.00
0.017
34.00
227.45
0.017
35.70
10,299.42
0.017
85.54
1,293,557.40
0.00407410
S/. 262,379.20
1,532,379.61
0.00407410
S/. 344,885.27
N COMO PORCENTAJE
.?
SALDO (1.39%)
14.6%
44.7%
21.8%
40,599.78
0.00407410
S/. 14,026.03
S/. 400,000
S/. 350,000
S/. 300,000
S/. 250,000
S/. 200,000
S/. 150,000
S/. 100,000
S/. 50,000
S/. 0
DESEMBOLSOS
FONDO
ONDO
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.79
403.79
603.79
0.00643396
607.53
607.53
807.53
0.00643396
812.50
812.50
1,012.50
0.00643396
1,018.71
1,018.71
1,218.71
0.00643396
1,226.18
1,226.18
1,426.18
0.00643396
1,434.90
1,434.90
1,634.90
0.00643396
1,644.89
1,644.89
1,844.89
0.00643396
1,856.15
1,856.15
2,056.15
0.00643396
2,068.69
2,068.69
2,268.69
0.00643396
2,282.52
2,282.52
2,482.52
0.00643396
2,497.65
2,497.65
2,707.65
0.00643396
2,724.14
1,341,119.45
1,341,622.63
0.00643396
1,349,757.73
1,349,757.73
1,349,757.73
1,349,257.68
0.00
FLUJO (1.7%)
APORTE
SALDO (0.45%)
GANANCIA
SALDO (1.39%)
COMISIN AFP
LDO (1.39%)
OMISIN AFP
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
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
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.64
403.64
603.64
0.00643396
607.06
607.06
807.06
0.00643396
811.56
811.56
1,011.56
0.00643396
1,017.14
1,017.14
1,217.14
0.00643396
1,223.80
1,223.80
1,423.80
0.00643396
1,431.56
1,431.56
1,631.56
0.00643396
1,640.42
1,640.42
1,840.42
0.00643396
1,850.39
1,850.39
2,050.39
0.00643396
2,061.46
2,061.46
2,261.46
0.00643396
2,273.65
2,273.65
2,473.65
0.00643396
2,486.96
2,486.96
2,696.96
0.00643396
2,711.47
1,036,839.78
1,037,342.96
0.00643396
1,042,830.00
1,042,830.00
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
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
804,007.79
0.00407410
S/. 169,584.03
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
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
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
146,132.56
0.00407410
S/. 43,185.72
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
FLUJOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.87
403.87
603.87
0.00643396
607.75
607.75
807.75
0.00643396
812.95
812.95
1,012.95
0.00643396
1,019.47
1,019.47
1,219.47
0.00643396
1,227.31
1,227.31
1,427.31
0.00643396
1,436.50
695,621.22
695,961.79
0.00643396
700,439.58
0.00407410
5.5%
17.0%
8.2%
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
COBROS DE LA
COMISION POR
AFP EN EL
APORTES +
FLUJO = 1.7% AL
SISTEMA DE
GANANCIAS
MES
FLUJOS
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
201.29
0.017
34.00
202.58
0.017
34.00
203.89
0.017
34.00
205.20
0.017
34.00
206.52
0.017
34.00
207.85
0.017
34.00
209.18
0.017
34.00
4,818.36
0.017
57.90
554,307.02
0.00407410
S/. 104,949.72
700,439.58
0.00407410
S/. 148,135.44
N COMO PORCENTAJE
.?
SALDO (0.45%)
4.2%
13.2%
6.1%
24,842.54
0.00407410
S/. 7,341.57
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
FONDO
FONDO
SALDO PREVIO EN
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.77
403.77
603.77
0.00643396
607.46
607.46
807.46
0.00643396
812.36
812.36
1,012.36
0.00643396
1,018.48
1,018.48
1,218.48
0.00643396
1,225.82
1,225.82
1,425.82
0.00643396
1,434.40
607,516.16
607,856.73
0.00643396
611,471.87
611,471.87
611,471.87
611,174.16
0.00
FLUJO (1.7%)
APORTE
SALDO (0.59%)
GANANCIA
SALDO (0.45%)
COMISIN AFP
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
SALDO (0.45%)
OMISIN 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
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.79
403.79
603.79
0.00643396
607.53
607.53
807.53
0.00643396
812.50
812.50
1,012.50
0.00643396
1,018.71
1,018.71
1,218.71
0.00643396
1,226.18
1,226.18
1,426.18
0.00643396
1,434.90
627,359.80
627,700.37
0.00643396
631,506.55
631,506.55
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
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
485,373.99
0.00407410
S/. 92,739.60
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
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.07
0.15
0.23
0.30
0.38
0.45
0.53
233.96
29,832.42
0.00407410
S/. 5,699.68
SALDO PREVIO EN
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.64
403.64
603.64
0.00643396
607.06
607.06
807.06
0.00643396
811.56
811.56
1,011.56
0.00643396
1,017.14
1,017.14
1,217.14
0.00643396
1,223.80
1,223.80
1,423.80
0.00643396
1,431.56
508,020.75
508,361.32
0.00643396
511,050.41
511,050.41
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
SUELDO (crece en 5% al
ao, se mantiene desde los
45 aos y decrece desde
los 51 aos. A los 60 aos
deja de tener ingresos)
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
5850.52
5850.52
5344.55
0.00
0.00
0.00
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
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
201,666.04
0.00407410
S/. 77,464.55
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
FLUJOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.87
403.87
603.87
0.00643396
607.75
607.75
807.75
0.00643396
812.95
812.95
1,012.95
0.00643396
1,019.47
1,019.47
1,219.47
0.00643396
1,227.31
1,227.31
1,427.31
0.00643396
1,436.50
1,436.50
1,636.50
0.00643396
1,647.03
1,647.03
1,847.03
0.00643396
1,858.91
257,348.35
257,933.40
0.00643396
259,592.94
259,592.94
260,177.99
0.00643396
261,851.96
929,226.13
929,760.59
0.00643396
935,742.63
935,742.63
935,742.63
0.00643396
941,763.16
1,475,405.88
1,475,405.88
0.00643396
1,484,898.59
0.00407410
4.3%
17.0%
5.8%
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
COBROS DE LA
COMISION POR
AFP EN EL
APORTES +
FLUJO = 1.7% AL
SISTEMA DE
GANANCIAS
MES
FLUJOS
201.29
0.017
34.00
202.58
0.017
34.00
203.89
0.017
34.00
205.20
0.017
34.00
206.52
0.017
34.00
207.85
0.017
34.00
209.18
0.017
34.00
210.53
0.017
34.00
211.88
0.017
34.00
2,244.59
0.017
99.46
2,259.03
0.017
99.46
6,516.50
0.017
90.86
6,020.53
0.017
0.00
9,492.70
0.017
0.00
1,283,232.55
0.00407410
S/. 261,052.22
1,484,898.59
0.00407410
S/. 338,516.78
N COMO PORCENTAJE
.?
SALDO (0.45%)
4.6%
18.0%
6.1%
34,283.23
0.00407410
S/. 13,168.97
S/. 400,000
S/. 350,000
S/. 300,000
S/. 250,000
S/. 200,000
S/. 150,000
S/. 100,000
S/. 50,000
S/. 0
DESEMBOLSOS
FONDO
FONDO
SALDO PREVIO EN
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.80
403.80
603.80
0.00643396
607.54
607.54
807.54
0.00643396
812.53
812.53
1,012.53
0.00643396
1,018.76
1,018.76
1,218.76
0.00643396
1,226.25
1,226.25
1,426.25
0.00643396
1,435.00
1,435.00
1,635.00
0.00643396
1,645.02
1,645.02
1,845.02
0.00643396
1,856.31
243,655.74
244,240.79
0.00643396
245,727.42
245,727.42
246,312.48
0.00643396
247,811.72
842,761.93
843,296.38
0.00643396
848,428.80
848,428.80
848,428.80
0.00643396
853,592.26
1,305,284.90
1,305,284.90
0.00643396
1,313,228.75
1,313,228.75
1,313,228.75
1,312,771.69
0.00
FLUJO (1.7%)
APORTE
SALDO (0.42%)
GANANCIA
SALDO (0.45%)
COMISIN AFP
0.45%)
SIN 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
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.79
403.79
603.79
0.00643396
607.53
607.53
807.53
0.00643396
812.50
812.50
1,012.50
0.00643396
1,018.71
1,018.71
1,218.71
0.00643396
1,226.18
1,226.18
1,426.18
0.00643396
1,434.90
1,434.90
1,634.90
0.00643396
1,644.89
1,644.89
1,844.89
0.00643396
1,856.15
242,805.33
243,390.38
0.00643396
244,866.39
244,866.39
245,451.44
0.00643396
246,939.95
837,521.19
838,055.65
0.00643396
843,137.39
843,137.39
843,137.39
0.00643396
848,249.74
1,295,092.70
1,295,092.70
0.00643396
1,302,945.48
1,302,945.48
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
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
1,101,279.45
0.00407410
S/. 226,967.46
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
SALDOS
0.07
0.15
0.23
0.30
0.38
0.45
0.53
0.61
0.69
90.72
91.48
312.36
314.25
482.71
67,690.62
0.00407410
S/. 13,949.84
SALDO PREVIO EN
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.64
403.64
603.64
0.00643396
607.06
607.06
807.06
0.00643396
811.56
811.56
1,011.56
0.00643396
1,017.14
1,017.14
1,217.14
0.00643396
1,223.80
1,223.80
1,423.80
0.00643396
1,431.56
1,431.56
1,631.56
0.00643396
1,640.42
1,640.42
1,840.42
0.00643396
1,850.39
215,623.69
216,208.75
0.00643396
217,352.94
217,352.94
217,937.99
0.00643396
219,091.32
678,079.39
678,613.84
0.00643396
682,203.62
682,203.62
682,203.62
0.00643396
685,811.76
992,130.54
992,130.54
0.00643396
997,377.88
997,377.88
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
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
SUMA SIMPLE
TASA DE DESCUENTO 8%
VALOR ACTUAL
238,822.21
0.00643396
S/. 51,517.13
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
FLUJOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.87
403.87
603.87
0.00643396
607.75
607.75
807.75
0.00643396
812.95
812.95
1,012.95
0.00643396
1,019.47
1,019.47
1,219.47
0.00643396
1,227.31
1,227.31
1,427.31
0.00643396
1,436.50
1,436.50
1,636.50
0.00643396
1,647.03
1,647.03
1,847.03
0.00643396
1,858.91
1,858.91
2,058.91
0.00643396
2,072.16
2,072.16
2,272.16
0.00643396
2,286.78
2,286.78
2,486.78
0.00643396
2,502.78
2,502.78
2,712.78
0.00643396
2,730.23
1,522,080.19
1,522,583.37
0.00643396
1,532,379.61
6.0%
17.0%
9.2%
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
COBROS DE LA
COMISION POR
AFP EN EL
APORTES +
FLUJO = 1.7% AL
SISTEMA DE
GANANCIAS
MES
FLUJOS
201.29
0.017
34.00
202.58
0.017
34.00
203.89
0.017
34.00
205.20
0.017
34.00
206.52
0.017
34.00
207.85
0.017
34.00
209.18
0.017
34.00
210.53
0.017
34.00
211.88
0.017
34.00
213.25
0.017
34.00
214.62
0.017
34.00
216.00
0.017
34.00
227.45
0.017
35.70
10,299.42
0.017
85.54
1,293,557.40
0.00643396
S/. 115,584.12
1,532,379.61
0.00643396
S/. 167,101.24
N COMO PORCENTAJE
.?
SALDO (1.39%)
13.0%
32.4%
21.7%
40,599.78
0.00643396
S/. 8,757.91
S/. 180,000
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
FONDO
FONDO
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.76
403.76
603.76
0.00643396
607.43
607.43
807.43
0.00643396
812.30
812.30
1,012.30
0.00643396
1,018.37
1,018.37
1,218.37
0.00643396
1,225.67
1,225.67
1,425.67
0.00643396
1,434.18
1,434.18
1,634.18
0.00643396
1,643.93
1,643.93
1,843.93
0.00643396
1,854.91
1,854.91
2,054.91
0.00643396
2,067.13
2,067.13
2,267.13
0.00643396
2,280.61
2,280.61
2,480.61
0.00643396
2,495.34
2,495.34
2,705.34
0.00643396
2,721.41
1,267,892.67
1,268,395.85
0.00643396
1,275,875.88
1,275,875.88
1,275,875.88
1,275,190.82
0.00
FLUJO (1.7%)
APORTE
SALDO (0.65%)
GANANCIA
SALDO (1.39%)
COMISIN AFP
LDO (1.39%)
OMISIN AFP
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
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
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.64
403.64
603.64
0.00643396
607.06
607.06
807.06
0.00643396
811.56
811.56
1,011.56
0.00643396
1,017.14
1,017.14
1,217.14
0.00643396
1,223.80
1,223.80
1,423.80
0.00643396
1,431.56
1,431.56
1,631.56
0.00643396
1,640.42
1,640.42
1,840.42
0.00643396
1,850.39
1,850.39
2,050.39
0.00643396
2,061.46
2,061.46
2,261.46
0.00643396
2,273.65
2,273.65
2,473.65
0.00643396
2,486.96
2,486.96
2,696.96
0.00643396
2,711.47
1,036,839.78
1,037,342.96
0.00643396
1,042,830.00
1,042,830.00
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
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
804,007.79
0.00643396
S/. 76,844.13
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
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
SUMA SIMPLE
TASA DE DESCUENTO 8%
VALOR ACTUAL
146,132.56
0.00643396
S/. 23,548.10
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
FLUJOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.87
403.87
603.87
0.00643396
607.75
607.75
807.75
0.00643396
812.95
812.95
1,012.95
0.00643396
1,019.47
1,019.47
1,219.47
0.00643396
1,227.31
1,227.31
1,427.31
0.00643396
1,436.50
695,621.22
695,961.79
0.00643396
700,439.58
6.8%
17.0%
11.5%
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
554,307.02
0.00643396
S/. 43,098.96
N COMO PORCENTAJE
.?
SALDO (0.65%)
5.6%
14.1%
9.2%
COBROS DE LA
COMISION POR
AFP EN EL
APORTES +
FLUJO = 1.7% AL
SISTEMA DE
GANANCIAS
MES
FLUJOS
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
0.00
0.017
0.00
201.29
0.017
34.00
202.58
0.017
34.00
203.89
0.017
34.00
205.20
0.017
34.00
206.52
0.017
34.00
207.85
0.017
34.00
209.18
0.017
34.00
4,818.36
0.017
57.90
700,439.58
0.00643396
S/. 66,647.07
24,842.54
0.00643396
S/. 4,003.18
S/. 70,000
S/. 60,000
S/. 50,000
S/. 40,000
S/. 30,000
S/. 20,000
S/. 10,000
S/. 0
DESEMBOLSOS
FONDO
FONDO
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.74
403.74
603.74
0.00643396
607.35
607.35
807.35
0.00643396
812.15
812.15
1,012.15
0.00643396
1,018.13
1,018.13
1,218.13
0.00643396
1,225.29
1,225.29
1,425.29
0.00643396
1,433.66
579,573.80
579,914.37
0.00643396
583,263.93
583,263.93
583,263.93
582,879.91
0.00
FLUJO (1.7%)
APORTE
SALDO (0.80%)
GANANCIA
SALDO (0.65%)
COMISIN AFP
DO (0.65%)
OMISIN AFP
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
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
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.76
403.76
603.76
0.00643396
607.43
607.43
807.43
0.00643396
812.30
812.30
1,012.30
0.00643396
1,018.37
1,018.37
1,218.37
0.00643396
1,225.67
1,225.67
1,425.67
0.00643396
1,434.18
599,204.13
599,544.70
0.00643396
603,080.42
603,080.42
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
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
456,947.86
0.00643396
S/. 36,330.67
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
SALDOS
0.00
0.00
0.00
0.00
0.00
0.00
0.11
0.22
0.33
0.44
0.55
0.66
0.77
323.82
41,844.21
0.00643396
S/. 3,326.33
SALDO PREVIO EN
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
0.00
0.00643396
0.00
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.64
403.64
603.64
0.00643396
607.06
607.06
807.06
0.00643396
811.56
811.56
1,011.56
0.00643396
1,017.14
1,017.14
1,217.14
0.00643396
1,223.80
1,223.80
1,423.80
0.00643396
1,431.56
508,020.75
508,361.32
0.00643396
511,050.41
511,050.41
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
SUELDO (crece en 5% al
ao, se mantiene desde los
45 aos y decrece desde
los 51 aos. A los 60 aos
deja de tener ingresos)
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
2000.00
5850.52
5850.52
5344.55
0.00
0.00
0.00
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
SUMA SIMPLE
TASA DE DESCUENTO 8%
VALOR ACTUAL
201,666.04
0.00643396
S/. 49,920.86
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
FLUJOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.87
403.87
603.87
0.00643396
607.75
607.75
807.75
0.00643396
812.95
812.95
1,012.95
0.00643396
1,019.47
1,019.47
1,219.47
0.00643396
1,227.31
1,227.31
1,427.31
0.00643396
1,436.50
1,436.50
1,636.50
0.00643396
1,647.03
1,647.03
1,847.03
0.00643396
1,858.91
257,348.35
257,933.40
0.00643396
259,592.94
259,592.94
260,177.99
0.00643396
261,851.96
929,226.13
929,760.59
0.00643396
935,742.63
935,742.63
935,742.63
0.00643396
941,763.16
1,475,405.88
1,475,405.88
0.00643396
1,484,898.59
5.8%
17.0%
8.9%
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
COBROS DE LA
COMISION POR
AFP EN EL
APORTES +
FLUJO = 1.7% AL
SISTEMA DE
GANANCIAS
MES
FLUJOS
201.29
0.017
34.00
202.58
0.017
34.00
203.89
0.017
34.00
205.20
0.017
34.00
206.52
0.017
34.00
207.85
0.017
34.00
209.18
0.017
34.00
210.53
0.017
34.00
211.88
0.017
34.00
2,244.59
0.017
99.46
2,259.03
0.017
99.46
6,516.50
0.017
90.86
6,020.53
0.017
0.00
9,492.70
0.017
0.00
1,283,232.55
0.00643396
S/. 115,177.33
1,484,898.59
0.00643396
S/. 165,098.19
N COMO PORCENTAJE
.?
SALDO (0.65%)
6.0%
17.5%
9.2%
34,283.23
0.00643396
S/. 8,486.55
S/. 180,000
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
FONDO
FONDO
SALDO PREVIO
SALDOS
EN EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.76
403.76
603.76
0.00643396
607.44
607.44
807.44
0.00643396
812.32
812.32
1,012.32
0.00643396
1,018.41
1,018.41
1,218.41
0.00643396
1,225.72
1,225.72
1,425.72
0.00643396
1,434.25
1,434.25
1,634.25
0.00643396
1,644.02
1,644.02
1,844.02
0.00643396
1,855.03
237,204.59
237,789.64
0.00643396
239,196.05
239,196.05
239,781.11
0.00643396
241,199.29
803,386.36
803,920.82
0.00643396
808,674.87
808,674.87
808,674.87
0.00643396
813,456.77
1,229,054.88
1,229,054.88
0.00643396
1,236,322.58
1,236,322.58
1,236,322.58
1,235,678.80
0.00
FLUJO (1.7%)
APORTE
SALDO (0.63%)
GANANCIA
SALDO (0.65%)
COMISIN AFP
LDO (0.65%)
OMISIN AFP
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
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
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.76
403.76
603.76
0.00643396
607.43
607.43
807.43
0.00643396
812.30
812.30
1,012.30
0.00643396
1,018.37
1,018.37
1,218.37
0.00643396
1,225.67
1,225.67
1,425.67
0.00643396
1,434.18
1,434.18
1,634.18
0.00643396
1,643.93
1,643.93
1,843.93
0.00643396
1,854.91
236,609.86
237,194.92
0.00643396
238,593.97
238,593.97
239,179.03
0.00643396
240,589.78
799,800.53
800,334.98
0.00643396
805,054.87
805,054.87
805,054.87
0.00643396
809,802.29
1,222,153.19
1,222,153.19
0.00643396
1,229,360.26
1,229,360.26
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
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
1,027,694.22
0.00643396
S/. 95,280.50
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
SALDOS
0.11
0.22
0.33
0.44
0.55
0.66
0.77
0.88
1.00
128.11
129.18
432.26
434.81
660.09
94,115.57
0.00643396
S/. 8,724.19
SALDO PREVIO EN
SALDOS
EL SISTEMA
APORTES +
RENTABILIDAD
ACUMULADOS
SALDOS
SALDO PREVIO
ANUAL 8%
MES A MES
0.00
200.00
0.00643396
201.29
201.29
401.29
0.00643396
403.64
403.64
603.64
0.00643396
607.06
607.06
807.06
0.00643396
811.56
811.56
1,011.56
0.00643396
1,017.14
1,017.14
1,217.14
0.00643396
1,223.80
1,223.80
1,423.80
0.00643396
1,431.56
1,431.56
1,631.56
0.00643396
1,640.42
1,640.42
1,840.42
0.00643396
1,850.39
215,623.69
216,208.75
0.00643396
217,352.94
217,352.94
217,937.99
0.00643396
219,091.32
678,079.39
678,613.84
0.00643396
682,203.62
682,203.62
682,203.62
0.00643396
685,811.76
992,130.54
992,130.54
0.00643396
997,377.88
997,377.88
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
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
SUMA SIMPLE
TASA DE DESCUENTO 5%
VALOR ACTUAL
238,822.21
0.00407410
S/. 82,506.07
RESUMEN JUAN
RENTABILIDAD ANUAL 5%
FLUJO (1.7%)
S/. 96,532
S/. 110,719
S/. 82,506
S/. 14,187
S/. 14,026
SALDO PREVIO
EN EL SISTEMA
APORTES +
FLUJOS
SALDO PREVIO
0.00
200.00
200.34
400.34
401.22
601.22
602.00
802.00
803.69
1,003.69
1,005.97
1,205.97
1,208.87
1,408.87
1,410.58
1,610.58
1,613.08
1,813.08
1,815.44
2,015.44
357,710.45
358,213.63
359,052.42
359,555.60
SUMEN JUAN
ABILIDAD ANUAL 5%
SALDO (0.095%)
S/. 82,506
S/. 93,231
S/. 82,506
S/. 10,724
S/. 14,002
DIFERENCIA
SALDO-FLUJO
S/. -14,026
S/. -17,489
S/. 0
S/. -3,463
S/. -24
RENTABILIDAD
CON EFECTO
VOLATILIDAD
0.00168159
0.00220159
0.00130159
0.00211159
0.00227159
0.00240159
0.00121159
0.00155159
0.00130159
0.00220159
0.00234159
0.00186159
SALDOS
ACUMULADOS
MES A MES
200.34
401.22
602.00
803.69
1,005.97
1,208.87
1,410.58
1,613.08
1,815.44
2,019.87
359,052.42
360,224.94
15.0%
17.0%
130.6%
GANANCIAS
0.34
0.88
0.78
1.69
2.28
2.90
1.71
2.50
2.36
4.44
838.79
669.35
120,769.79
0.00407410
S/. 28,213.12
COMISION POR
APORTES +
FLUJO = 1.7% AL
GANANCIAS
MES
200.34
0.017
200.88
0.017
200.78
0.017
201.69
0.017
202.28
0.017
202.90
0.017
201.71
0.017
202.50
0.017
202.36
0.017
204.44
0.017
1,341.97
0.017
1,172.52
0.017
COBROS DE LA
AFP EN EL
SISTEMA DE
FLUJOS
34.00
34.00
34.00
34.00
34.00
34.00
34.00
34.00
34.00
34.00
85.54
85.54
359,592.00
0.00407410
S/. 110,719.19
40,599.78
0.00407410
S/. 14,026.03
S/. 120,000
S/. 100,000
S/. 80,000
S/. 60,000
S/. 40,000
S/. 20,000
S/. 0
DESEMBOLSOS
FONDO
APORTE
SALDO PREVIO EN
EL SISTEMA
APORTES +
SALDOS
SALDO PREVIO
0.00
200.00
200.34
400.34
401.03
601.03
601.24
801.24
802.36
1,002.36
1,003.88
1,203.88
1,205.83
1,405.83
1,406.39
1,606.39
1,607.56
1,807.56
1,808.39
2,008.39
283,010.83
283,514.01
283,910.46
284,413.64
284,675.16
284,675.16
RENTABILIDAD
CON EFECTO
VOLATILIDAD
0.00168159
0.00220159
0.00130159
0.00211159
0.00227159
0.00240159
0.00121159
0.00155159
0.00130159
0.00220159
0.00234159
0.00186159
SALDOS
ACUMULADOS
MES A MES
200.34
401.03
601.24
802.36
1,003.88
1,205.83
1,406.39
1,607.56
1,808.39
2,011.11
283,910.46
284,675.16
284,406.37
0.00
FLUJO (1.7%)
APORTE
GANANCIA
SALDO (0.095%)
COMISIN AFP
%)
N AFP
GANANCIAS
0.34
0.69
0.21
1.12
1.52
1.94
0.57
1.16
0.83
2.71
396.45
261.52
-268.79
APORTES +
GANANCIAS
200.34
200.69
200.21
201.12
201.52
201.94
200.57
201.16
200.83
202.71
899.63
764.70
-268.79
45,324.74
0.00407410
S/. 10,724.49
283,878.81
0.00407410
S/. 93,230.56
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
267.94
268.79
57,614.52
0.00407410
S/. 14,001.87