Documentos de Académico
Documentos de Profesional
Documentos de Cultura
S/. 1,000.00
COMISION SOBRE REMUNERACION
Es el aporte Es la prima de seguro de
comision obligatorio por
mi fondo de
invalidez. sobrevivencia
y gastos de sepelio
de flujo,el pensiones 1.22%
actual 10%
FONDO RENTABILIDAD
FONDO ANUAL 8%
S/. 1,200.00 S/. 96.00
S/. 7.25
COMISIÓN
MENSUAL
S/. 17.40 = S/. 129.60
Es la comicion pagada
a la AFP
1.20%
1.55% de comisión anual sobre el fondo quese acumule
apartir de abril de 2013
S/. 15.50
MENSUAL
= S/. 127.70
ANUAL = S/. 1,532.40
NERADO + RENTABILIDAD 8%
AÑOS AÑOS
ANUAL 15 15 FONDO ANUAL+ RENTABILIDAD
S/. 1,296.00 S/. 40,000.00 S/. 3,200.00 S/. 43,200.00
FONDO FINAL
S/. 44,496.00
NERADO + RENTABILIDAD 8%
AÑOS AÑOS
ANUAL 15 15 FONDO ANUAL+ RENTABILIDAD
S/. 1,296.00 S/. 40,000.00 S/. 3,200.00 S/. 43,200.00
FONDO FINAL
S/. 44,496.00
RENTABILIDAD
8% FONDO ANUAL+ RENTABILIDAD
S/. 96.00 S/. 1,296.00
ANUAL
S/. 1,555.20
AL+ RENTABILIDAD
AL+ RENTABILIDAD
ANÁLISIS CUANTITATIVO DE LA
REMUNERACIÓN
S/. 1,000.00 MENSUAL ANUAL
S/. 129.60 S/. 1,555.20
1 AÑO
2 AÑO
3 AÑO
4 AÑO
5 AÑO
6 AÑO
7 AÑO
8 AÑO
9 AÑO
10 AÑO
PARA MI FONDO APARTIR DE ABRIL 2013
REMUNERACIÓN AUMENTO DE LA
S/. 1,000.00 RENTABILIDAD
CADA AÑO
comisión
sobre el 0.40%
saldo
1 AÑO
2 AÑO
3 AÑO
4 AÑO
5 AÑO
6 AÑO
7 AÑO
8 AÑO
9 AÑO
10 AÑO
AÑOS
15
S/. 40,000.00
15 AÑOS
S/. 39,012.36
VO DE LAS COMISIONES DURANTE 10 AÑO
AÑOS
10
FONDO RENTABILIDAD
8%
8% S/. 1,200.00 S/. 96.00
8% S/. 2,496.00 S/. 199.68
8% S/. 3,895.68 S/. 311.65
8% S/. 5,407.33 S/. 432.59
8% S/. 7,039.92 S/. 563.19
8% S/. 8,803.11 S/. 704.25
8% S/. 10,707.36 S/. 856.59
8% S/. 12,763.95 S/. 1,021.12
8% S/. 14,985.07 S/. 1,198.81
8% S/. 17,383.87 S/. 1,390.71
FONDO RENTABILIDAD
8%
8% S/. 1,200.00 S/. 96.00
8.400% S/. 2,496.00 S/. 209.66
8.800% S/. 3,905.66 S/. 343.70
9.200% S/. 5,449.36 S/. 501.34
9.600% S/. 7,150.70 S/. 572.06
10.000% S/. 8,922.76 S/. 713.82
10.400% S/. 10,836.58 S/. 866.93
10.800% S/. 12,903.51 S/. 1,032.28
11.200% S/. 15,135.79 S/. 1,210.86
11.600% S/. 17,546.65 S/. 1,403.73
FONDO RENTABILIDAD
8%
8% S/. 40,000.00 S/. 3,200.00
8% S/. 43,200.00 S/. 3,456.00
8% S/. 46,656.00 S/. 3,732.48
8% S/. 50,388.48 S/. 4,031.08
8% S/. 54,419.56 S/. 4,353.56
8% S/. 58,773.12 S/. 4,701.85
8% S/. 63,474.97 S/. 5,078.00
8% S/. 68,552.97 S/. 5,484.24
8% S/. 74,037.21 S/. 5,922.98
8% S/. 79,960.19 S/. 6,396.81
15
FONDO QUE GENERA DE MIS
NTE 10 AÑOS
S/. 15,552.00
ENERADO10 AÑOS
S/. 18,774.58
MENSUAL
S/. 127.70
FONDO +RENTABILIDAD
S/. 1,296.00
S/. 2,705.66
S/. 4,249.36
S/. 5,950.70
S/. 7,722.76
S/. 9,636.58
S/. 11,703.51
S/. 13,935.79
S/. 16,346.65
S/. 18,950.38
ENERADO EN 10 AÑOS
S/. 18,950.38
15
AÑOS FONDO +
RENTABILIDAD
AÑOS ANTERIORES
S/. 86,357.00
FONDO NETO
S/. 105,307.38
ANTERIOR FONDO
15
S/. 40,000.00
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
AÑOS
10
ANUAL
1.20% ANUAL sobre el
fondo que se acumule a
S/. 1,532.40 partir de abril del 2013
ANUAL
S/. 1,532.40 S/. 15.55
S/. 1,511.73 S/. 32.47
S/. 1,491.07 S/. 50.99
S/. 1,470.40 S/. 71.41
S/. 1,449.73 S/. 92.67
S/. 1,429.07 S/. 115.64
S/. 1,408.40 S/. 140.44
S/. 1,387.73 S/. 167.23
S/. 1,367.07 S/. 196.16
S/. 1,346.40 S/. 227.40
FONDO RENTABILIDAD
8%
S/. 41,200.00 S/. 3,296.00
S/. 45,696.00 S/. 3,665.66
S/. 50,561.66 S/. 4,076.18
S/. 55,837.84 S/. 4,532.42
S/. 61,570.26 S/. 4,925.62
S/. 67,695.88 S/. 5,415.67
S/. 74,311.55 S/. 5,944.92
S/. 81,456.48 S/. 6,516.52
S/. 89,173.00 S/. 7,133.84
S/. 97,506.84 S/. 7,800.55
NETO
FONDO RENTABILIDAD
S/. 97,506.84 S/. 7,800.55
AÑOS
FONDO RENTABILIDAD
8%
S/. 40,000.00 S/. 3,200.00
S/. 43,200.00 S/. 3,456.00
S/. 46,656.00 S/. 3,732.48
S/. 50,388.48 S/. 4,031.08
S/. 54,419.56 S/. 4,353.56
S/. 58,773.12 S/. 4,701.85
S/. 63,474.97 S/. 5,078.00
S/. 68,552.97 S/. 5,484.24
S/. 74,037.21 S/. 5,922.98
S/. 79,960.19 S/. 6,396.81
S/. 1,547.95
S/. 1,544.20
S/. 1,542.06
S/. 1,541.81 10
S/. 1,542.41
AÑOS
10
S/. 1,544.71
AÑOS
S/. 1,548.84
S/. 1,554.96
S/. 1,563.23
S/. 1,573.80
10 AÑOS
S/. 15,503.97
25
AÑOS FONDO +
RENTABILIDAD PAGO TOAL A LAS AFP
25
AÑOS FONDO +
RENTABILIDAD PAGO TOAL A LAS AFP
S/. 105,307.38 S/. 24,901.80
15 AÑOS +
RENTABILIDAD
S/. 43,200.00
S/. 46,656.00
S/. 50,388.48
S/. 54,419.56
S/. 58,773.12
S/. 63,474.97
S/. 68,552.97
S/. 74,037.21
S/. 79,960.19
S/. 86,357.00
AÑOS ANTERIORES
S/. 86,357.00
OMISIÓN PAGADA A LA AFP SOBRE LA REMUNERACION
55% QUE IRA DISMINUYENDO
%
1.55% S/. 18.60
1.38% S/. 16.53
1.21% S/. 14.47
1.03% S/. 12.40
0.86% S/. 10.33
0.69% S/. 8.27
0.52% S/. 6.20
0.34% S/. 4.13
0.17% S/. 2.07
0.00% S/. -
S/. -23,328.00
FONDO
FONDO NETO
S/. 105,131.58
FONDO
S/. 97,344.06
0.172%
1
2
3
4
5
6
7
8
9
25
AÑOS FONDO +
RENTABILIDAD RENTABILIDAD
8%
S/. 3,296.00 S/. 44,496.00
S/. 3,655.68 S/. 49,351.68
S/. 4,044.13 S/. 54,595.81
S/. 4,463.67 S/. 60,259.48
S/. 4,916.76 S/. 66,376.24
S/. 5,406.10 S/. 72,982.34
S/. 5,934.59 S/. 80,116.92
S/. 6,505.35 S/. 87,822.28
S/. 7,121.78 S/. 96,144.06
S/. 7,787.52 S/. 105,131.58
15
RESUMEN EN 10 AÑOS
comision
de flujo,el
actual
|1
comisión
sobre el saldo
COMISION PAGADA AFP
15
AÑOS ANTES
S/. 23,328.00
EN 10 AÑOS
COMISIÓN
10 AÑOS
S/. 15,552.00
COMISIÓN
10 AÑOS
S/. 15,503.97
FONDO GENERADO10 AÑOS
S/. 18,774.58
S/. 100
S/. 80
S/. 60
SOLES
S/. 40
S/. 20
S/. -20
S/. -20
S/. -40
S/. -60
S/. 120,000.
AÑOS ANTERIORES
S/. 100,000.
S/. 80,000.
AÑOS ANTERIORES
S/. 60,000.
SOLES
S/. 40,000.
S/. 20,000.
S/. 40,000.
SO
S/. 20,000.
S/.
S/. -20,000.
S/. -40,000.
COMISIÓN SOBRE
LA REMUNERACIÓN
S/. 120,000.00
S/. 105,131.58
S/. 100,000.00 S/. 97,3
S/. 80,000.00
S/. 60,000.00
SOLES
S/. 40,000.00
S/. 20,000.00
7; S/. 5,934.59
6; S/. 5,406.10 9; S
8; S/. 6,505.35
3; S/. 4,044.13
2; S/. 3,655.68
1; S/. 3,296.00 5; S/. 4,916.76
4; S/. 4,463.67
S/. -
0 2 4 6 8 1
S/. -20,000.00
7; S/. 5,934.59
6; S/. 5,406.10 9; S
8; S/. 6,505.35
3; S/. 4,044.13
2; S/. 3,655.68
1; S/. 3,296.00 5; S/. 4,916.76
4; S/. 4,463.67
S/. -
0 2 4 6 8 1
S/. -20,000.00
S/. -37,324.80
S/. -40,000.00
S/. -60,000.00
AÑOS
S/. 120,000.00
S/. 105,307.38
S/. 80,000.00
S/. 60,000.00
SOLES
S/. 40,000.00
S/. 20,000.00
S/.
SO S/. 40,000.00
S/. 20,000.00
S/.
S/. -
0 2 4 6 8 10
S/. -20,000.00
S/. -24,875.95
S/. -40,000.00
AÑOS
S/. 105,131.58
S/. 97,344.06
9; S/.S/.
8; S/. 6,505.35
7; S/. 5,934.59
6; S/. 5,406.10
7,787.52
7,121.78
6.76
8 10 12
9; S/.S/.
8; S/. 6,505.35
7; S/. 5,934.59
6; S/. 5,406.10
7,787.52
7,121.78
6.76
8 10 12
S/. -37,324.80
comision
de flujo,el
actual
comisión
N sobre el
saldo
S/. 105,307.38
S/. 97,506.84
S/. 7,800.55
S/. 7,800.55
8 10 12
NETO FONDO RENTABILIDAD
S/. 97,344.06 S/. 7,787.52
25
AÑOS FONDO +