CASO FOUR CORNERS

DATOS DEL CASO

Tom Gifford 40 años
Salario (US$) 85,000
Tasa de Incremento del salario anual 5%
Portafolio al inicio 50,000
Contribución de inversión (% del salario) 9.13%
Ganancia = (Balance inic*R) + (Inv*R/2)
R = Tasa de crec. anual del portafolio 10%
Respuesta 1:
Con una tasa
tasas cons

MODELO DE P
Año Balance inic Salario
1 50,000 85,000
2 63,149 89,250
3 78,019 93,713
4 94,805 98,398
5 113,718 103,318
6 134,995 108,484
7 158,894 113,908
8 185,703 119,604
9 215,740 125,584
10 249,353 131,863
11 286,929 138,456
12 328,895 145,379
13 375,721 152,648
14 427,927 160,280
15 486,085 168,294
16 550,827 176,709
17 622,850 185,544
18 702,922 194,822
19 791,890 204,563
20 890,690 214,791
Respuesta 1:
de inversión anual del 9.13% del salario (y el resto de tantes) se
llega a US$1' 000,000 después de 20 años

ANEACIÓN FINANCIERA
Inversión Ganancia Balance Fin Edad
7,761 5,388 63,149 41
8,149 6,722 78,019 42
8,556 8,230 94,805 43
8,984 9,930 113,718 44
9,433 11,843 134,995 45
9,905 13,995 158,894 46
10,400 16,409 185,703 47
10,920 19,116 215,740 48
11,466 22,147 249,353 49
12,039 25,537 286,929 50
12,641 29,325 328,895 51
13,273 33,553 375,721 52
13,937 38,269 427,927 53
14,634 43,524 486,085 54
15,365 49,377 550,827 55
16,134 55,889 622,850 56
16,940 63,132 702,922 57
17,787 71,182 791,890 58
18,677 80,123 890,690 59
19,610 90,050 1,000,350 60
L
 CASO FOUR CORNERS
Respuesta 2:
Con la ale
crecimiento d
para lle

DATOS DEL CASO

Tom Gifford 40 años
Salario (US$) 85,000
Tasa de Incremento del salario anual 5% 0% - 10%
Portafolio al inicio 50,000
Contribución de inversión (% del salario) 12%
Ganancia = (Balance inic*R) + (Inv*R/2)
R = Tasa de crec. anual del portafolio 10% Media=
MODELO DE
Año Balance inic Salario
1 50,000 85,000
2 68,541 91,365
3 88,508 93,181
4 115,253 96,239
5 137,527 100,193
6 144,066 108,057
7 159,687 118,204
8 190,953 119,733
9 231,629 120,990
10 288,784 122,139
11 303,862 133,463
12 363,216 137,894
13 429,456 149,397
14 526,907 161,967
15 576,824 178,096
16 612,491 179,880
17 725,967 195,666
18 843,329 209,268
19 899,006 227,454
20 910,498 231,748
 Respuesta 2:

0% - 10%

DE
atoriedad de la tasa de incremento salarial y la tasa de
el portafolio, se necesita al menos un 12% del salario anual gar a
un Balance Final de US$1 millón con un 85% de
probabilidad.

1000 SIMULACIONES
1 1,031,226
2 1,031,226
3 1,031,226
4 1,031,226
5 1,031,226
6 1,031,226
7 1,031,226
8 1,031,226
9 1,031,226
10 1,031,226
11 1,031,226
12 1,031,226
13 1,031,226
14 1,031,226
15 1,031,226
16 1,031,226
17 1,031,226
18 1,031,226
19 1,031,226
20 1,031,226
21 1,031,226
22 1,031,226
23 1,031,226
24 1,031,226
25 1,031,226
26 1,031,226
27 1,031,226
28 1,031,226
29 1,031,226
30 1,031,226
31 1,031,226
32 1,031,226
33 1,031,226
34 1,031,226
35 1,031,226
36 1,031,226
 37 1,031,226
38 1,031,226
39 1,031,226
40 1,031,226
41 1,031,226
42 1,031,226
43 1,031,226
Dist.Uniforme
10% Desv. Est.= 5% Dist.Normal
PLANEACIÓN FINANCIERA
Inversión Ganancia Balance Fin Edad
10,200 8,341 68,541 41
10,964 9,003 88,508 42
11,182 15,564 115,253 43
11,549 10,726 137,527 44
12,023 -5,484 144,066 45
12,967 2,653 159,687 46
14,185 17,082 190,953 47
14,368 26,308 231,629 48
14,519 42,636 288,784 49
14,657 422 303,862 50
16,016 43,339 363,216 51
16,547 49,693 429,456 52
17,928 79,524 526,907 53
19,436 30,481 576,824 54
21,372 14,295 612,491 55
21,586 91,891 725,967 56
23,480 93,882 843,329 57
25,112 30,565 899,006 58
27,294 -15,803 910,498 59
27,810 92,918 1,031,226 60
44 1,031,226
45 1,031,226
46 1,031,226
47 1,031,226
48 1,031,226
49 1,031,226
50 1,031,226
51 1,031,226
52 1,031,226
53 1,031,226
54 1,031,226
55 1,031,226
56 1,031,226
57 1,031,226
58 1,031,226
59 1,031,226
60 1,031,226
61 1,031,226
62 1,031,226
63 1,031,226
64 1,031,226
65 1,031,226
66 1,031,226
67 1,031,226
68 1,031,226
69 1,031,226
70 1,031,226
71 1,031,226
72 1,031,226
73 1,031,226
74 1,031,226
75 1,031,226
76 1,031,226
77 1,031,226
78 1,031,226
79 1,031,226
80 1,031,226
81 1,031,226
82 1,031,226
83 1,031,226
84 1,031,226
85 1,031,226
86 1,031,226
87 1,031,226
88 1,031,226
89 1,031,226
90 1,031,226
91 1,031,226
92 1,031,226
93 1,031,226
94 1,031,226
95 1,031,226
96 1,031,226
97 1,031,226
98 1,031,226
99 1,031,226
100 1,031,226
101 1,031,226
102 1,031,226
103 1,031,226
104 1,031,226
105 1,031,226
106 1,031,226
107 1,031,226
108 1,031,226
109 1,031,226
110 1,031,226
111 1,031,226
112 1,031,226
113 1,031,226
114 1,031,226
115 1,031,226
116 1,031,226
117 1,031,226
118 1,031,226
119 1,031,226
120 1,031,226
121 1,031,226
122 1,031,226
123 1,031,226
124 1,031,226
125 1,031,226
126 1,031,226
127 1,031,226
128 1,031,226
129 1,031,226
130 1,031,226
131 1,031,226
132 1,031,226
133 1,031,226
134 1,031,226
135 1,031,226
136 1,031,226
137 1,031,226
138 1,031,226
139 1,031,226
140 1,031,226
141 1,031,226
142 1,031,226
143 1,031,226
144 1,031,226
145 1,031,226
146 1,031,226
147 1,031,226
148 1,031,226
149 1,031,226
150 1,031,226
151 1,031,226
152 1,031,226
153 1,031,226
154 1,031,226
155 1,031,226
156 1,031,226
157 1,031,226
158 1,031,226
159 1,031,226
160 1,031,226
161 1,031,226
162 1,031,226
163 1,031,226
164 1,031,226
165 1,031,226
166 1,031,226
167 1,031,226
168 1,031,226
169 1,031,226
170 1,031,226
171 1,031,226
172 1,031,226
173 1,031,226
174 1,031,226
175 1,031,226
176 1,031,226
177 1,031,226
178 1,031,226
179 1,031,226
180 1,031,226
181 1,031,226
182 1,031,226
183 1,031,226
184 1,031,226
185 1,031,226
186 1,031,226
187 1,031,226
188 1,031,226
189 1,031,226
190 1,031,226
191 1,031,226
192 1,031,226
193 1,031,226
194 1,031,226
195 1,031,226
196 1,031,226
197 1,031,226
198 1,031,226
199 1,031,226
200 1,031,226
201 1,031,226
202 1,031,226
203 1,031,226
204 1,031,226
205 1,031,226
206 1,031,226
207 1,031,226
208 1,031,226
209 1,031,226
210 1,031,226
211 1,031,226
212 1,031,226
213 1,031,226
214 1,031,226
215 1,031,226
216 1,031,226
217 1,031,226
218 1,031,226
219 1,031,226
220 1,031,226
221 1,031,226
222 1,031,226
223 1,031,226
224 1,031,226
225 1,031,226
226 1,031,226
227 1,031,226
228 1,031,226
229 1,031,226
230 1,031,226
231 1,031,226
232 1,031,226
233 1,031,226
234 1,031,226
235 1,031,226
236 1,031,226
237 1,031,226
238 1,031,226
239 1,031,226
240 1,031,226
241 1,031,226
242 1,031,226
243 1,031,226
244 1,031,226
245 1,031,226
246 1,031,226
247 1,031,226
248 1,031,226
249 1,031,226
250 1,031,226
251 1,031,226
252 1,031,226
253 1,031,226
254 1,031,226
255 1,031,226
256 1,031,226
257 1,031,226
258 1,031,226
259 1,031,226
260 1,031,226
261 1,031,226
262 1,031,226
263 1,031,226
264 1,031,226
265 1,031,226
266 1,031,226
267 1,031,226
268 1,031,226
269 1,031,226
270 1,031,226
271 1,031,226
272 1,031,226
273 1,031,226
274 1,031,226
275 1,031,226
276 1,031,226
277 1,031,226
278 1,031,226
279 1,031,226
280 1,031,226
281 1,031,226
282 1,031,226
283 1,031,226
284 1,031,226
285 1,031,226
286 1,031,226
287 1,031,226
288 1,031,226
289 1,031,226
290 1,031,226
291 1,031,226
292 1,031,226
293 1,031,226
294 1,031,226
295 1,031,226
296 1,031,226
297 1,031,226
298 1,031,226
299 1,031,226
300 1,031,226
301 1,031,226
302 1,031,226
303 1,031,226
304 1,031,226
305 1,031,226
306 1,031,226
307 1,031,226
308 1,031,226
309 1,031,226
310 1,031,226
311 1,031,226
312 1,031,226
313 1,031,226
314 1,031,226
315 1,031,226
316 1,031,226
317 1,031,226
318 1,031,226
319 1,031,226
320 1,031,226
321 1,031,226
322 1,031,226
323 1,031,226
324 1,031,226
325 1,031,226
326 1,031,226
327 1,031,226
328 1,031,226
329 1,031,226
330 1,031,226
331 1,031,226
332 1,031,226
333 1,031,226
334 1,031,226
335 1,031,226
336 1,031,226
337 1,031,226
338 1,031,226
339 1,031,226
340 1,031,226
341 1,031,226
342 1,031,226
343 1,031,226
344 1,031,226
345 1,031,226
346 1,031,226
347 1,031,226
348 1,031,226
349 1,031,226
350 1,031,226
351 1,031,226
352 1,031,226
353 1,031,226
354 1,031,226
355 1,031,226
356 1,031,226
357 1,031,226
358 1,031,226
359 1,031,226
360 1,031,226
361 1,031,226
362 1,031,226
363 1,031,226
364 1,031,226
365 1,031,226
366 1,031,226
367 1,031,226
368 1,031,226
369 1,031,226
370 1,031,226
371 1,031,226
372 1,031,226
373 1,031,226
374 1,031,226
375 1,031,226
376 1,031,226
377 1,031,226
378 1,031,226
379 1,031,226
380 1,031,226
381 1,031,226
382 1,031,226
383 1,031,226
384 1,031,226
385 1,031,226
386 1,031,226
387 1,031,226
388 1,031,226
389 1,031,226
390 1,031,226
391 1,031,226
392 1,031,226
393 1,031,226
394 1,031,226
395 1,031,226
396 1,031,226
397 1,031,226
398 1,031,226
399 1,031,226
400 1,031,226
401 1,031,226
402 1,031,226
403 1,031,226
404 1,031,226
405 1,031,226
406 1,031,226
407 1,031,226
408 1,031,226
409 1,031,226
410 1,031,226
411 1,031,226
412 1,031,226
413 1,031,226
414 1,031,226
415 1,031,226
416 1,031,226
417 1,031,226
418 1,031,226
419 1,031,226
420 1,031,226
421 1,031,226
422 1,031,226
423 1,031,226
424 1,031,226
425 1,031,226
426 1,031,226
427 1,031,226
428 1,031,226
429 1,031,226
430 1,031,226
431 1,031,226
432 1,031,226
433 1,031,226
434 1,031,226
435 1,031,226
436 1,031,226
437 1,031,226
438 1,031,226
439 1,031,226
440 1,031,226
441 1,031,226
442 1,031,226
443 1,031,226
444 1,031,226
445 1,031,226
446 1,031,226
447 1,031,226
448 1,031,226
449 1,031,226
450 1,031,226
451 1,031,226
452 1,031,226
453 1,031,226
454 1,031,226
455 1,031,226
456 1,031,226
457 1,031,226
458 1,031,226
459 1,031,226
460 1,031,226
461 1,031,226
462 1,031,226
463 1,031,226
464 1,031,226
465 1,031,226
466 1,031,226
467 1,031,226
468 1,031,226
469 1,031,226
470 1,031,226
471 1,031,226
472 1,031,226
473 1,031,226
474 1,031,226
475 1,031,226
476 1,031,226
477 1,031,226
478 1,031,226
479 1,031,226
480 1,031,226
481 1,031,226
482 1,031,226
483 1,031,226
484 1,031,226
485 1,031,226
486 1,031,226
487 1,031,226
488 1,031,226
489 1,031,226
490 1,031,226
491 1,031,226
492 1,031,226
493 1,031,226
494 1,031,226
495 1,031,226
496 1,031,226
497 1,031,226
498 1,031,226
499 1,031,226
500 1,031,226
501 1,031,226
502 1,031,226
503 1,031,226
504 1,031,226
505 1,031,226
506 1,031,226
507 1,031,226
508 1,031,226
509 1,031,226
510 1,031,226
511 1,031,226
512 1,031,226
513 1,031,226
514 1,031,226
515 1,031,226
516 1,031,226
517 1,031,226
518 1,031,226
519 1,031,226
520 1,031,226
521 1,031,226
522 1,031,226
523 1,031,226
524 1,031,226
525 1,031,226
526 1,031,226
527 1,031,226
528 1,031,226
529 1,031,226
530 1,031,226
531 1,031,226
532 1,031,226
533 1,031,226
534 1,031,226
535 1,031,226
536 1,031,226
537 1,031,226
538 1,031,226
539 1,031,226
540 1,031,226
541 1,031,226
542 1,031,226
543 1,031,226
544 1,031,226
545 1,031,226
546 1,031,226
547 1,031,226
548 1,031,226
549 1,031,226
550 1,031,226
551 1,031,226
552 1,031,226
553 1,031,226
554 1,031,226
555 1,031,226
556 1,031,226
557 1,031,226
558 1,031,226
559 1,031,226
560 1,031,226
561 1,031,226
562 1,031,226
563 1,031,226
564 1,031,226
565 1,031,226
566 1,031,226
567 1,031,226
568 1,031,226
569 1,031,226
570 1,031,226
571 1,031,226
572 1,031,226
573 1,031,226
574 1,031,226
575 1,031,226
576 1,031,226
577 1,031,226
578 1,031,226
579 1,031,226
580 1,031,226
581 1,031,226
582 1,031,226
583 1,031,226
584 1,031,226
585 1,031,226
586 1,031,226
587 1,031,226
588 1,031,226
589 1,031,226
590 1,031,226
591 1,031,226
592 1,031,226
593 1,031,226
594 1,031,226
595 1,031,226
596 1,031,226
597 1,031,226
598 1,031,226
599 1,031,226
600 1,031,226
601 1,031,226
602 1,031,226
603 1,031,226
604 1,031,226
605 1,031,226
606 1,031,226
607 1,031,226
608 1,031,226
609 1,031,226
610 1,031,226
611 1,031,226
612 1,031,226
613 1,031,226
614 1,031,226
615 1,031,226
616 1,031,226
617 1,031,226
618 1,031,226
619 1,031,226
620 1,031,226
621 1,031,226
622 1,031,226
623 1,031,226
624 1,031,226
625 1,031,226
626 1,031,226
627 1,031,226
628 1,031,226
629 1,031,226
630 1,031,226
631 1,031,226
632 1,031,226
633 1,031,226
634 1,031,226
635 1,031,226
636 1,031,226
637 1,031,226
638 1,031,226
639 1,031,226
640 1,031,226
641 1,031,226
642 1,031,226
643 1,031,226
644 1,031,226
645 1,031,226
646 1,031,226
647 1,031,226
648 1,031,226
649 1,031,226
650 1,031,226
651 1,031,226
652 1,031,226
653 1,031,226
654 1,031,226
655 1,031,226
656 1,031,226
657 1,031,226
658 1,031,226
659 1,031,226
660 1,031,226
661 1,031,226
662 1,031,226
663 1,031,226
664 1,031,226
665 1,031,226
666 1,031,226
667 1,031,226
668 1,031,226
669 1,031,226
670 1,031,226
671 1,031,226
672 1,031,226
673 1,031,226
674 1,031,226
675 1,031,226
676 1,031,226
677 1,031,226
678 1,031,226
679 1,031,226
680 1,031,226
681 1,031,226
682 1,031,226
683 1,031,226
684 1,031,226
685 1,031,226
686 1,031,226
687 1,031,226
688 1,031,226
689 1,031,226
690 1,031,226
691 1,031,226
692 1,031,226
693 1,031,226
694 1,031,226
695 1,031,226
696 1,031,226
697 1,031,226
698 1,031,226
699 1,031,226
700 1,031,226
701 1,031,226
702 1,031,226
703 1,031,226
704 1,031,226
705 1,031,226
706 1,031,226
707 1,031,226
708 1,031,226
709 1,031,226
710 1,031,226
711 1,031,226
712 1,031,226
713 1,031,226
714 1,031,226
715 1,031,226
716 1,031,226
717 1,031,226
718 1,031,226
719 1,031,226
720 1,031,226
721 1,031,226
722 1,031,226
723 1,031,226
724 1,031,226
725 1,031,226
726 1,031,226
727 1,031,226
728 1,031,226
729 1,031,226
730 1,031,226
731 1,031,226
732 1,031,226
733 1,031,226
734 1,031,226
735 1,031,226
736 1,031,226
737 1,031,226
738 1,031,226
739 1,031,226
740 1,031,226
741 1,031,226
742 1,031,226
743 1,031,226
744 1,031,226
745 1,031,226
746 1,031,226
747 1,031,226
748 1,031,226
749 1,031,226
750 1,031,226
751 1,031,226
752 1,031,226
753 1,031,226
754 1,031,226
755 1,031,226
756 1,031,226
757 1,031,226
758 1,031,226
759 1,031,226
760 1,031,226
761 1,031,226
762 1,031,226
763 1,031,226
764 1,031,226
765 1,031,226
766 1,031,226
767 1,031,226
768 1,031,226
769 1,031,226
770 1,031,226
771 1,031,226
772 1,031,226
773 1,031,226
774 1,031,226
775 1,031,226
776 1,031,226
777 1,031,226
778 1,031,226
779 1,031,226
780 1,031,226
781 1,031,226
782 1,031,226
783 1,031,226
784 1,031,226
785 1,031,226
786 1,031,226
787 1,031,226
788 1,031,226
789 1,031,226
790 1,031,226
791 1,031,226
792 1,031,226
793 1,031,226
794 1,031,226
795 1,031,226
796 1,031,226
797 1,031,226
798 1,031,226
799 1,031,226
800 1,031,226
801 1,031,226
802 1,031,226
803 1,031,226
804 1,031,226
805 1,031,226
806 1,031,226
807 1,031,226
808 1,031,226
809 1,031,226
810 1,031,226
811 1,031,226
812 1,031,226
813 1,031,226
814 1,031,226
815 1,031,226
816 1,031,226
817 1,031,226
818 1,031,226
819 1,031,226
820 1,031,226
821 1,031,226
822 1,031,226
823 1,031,226
824 1,031,226
825 1,031,226
826 1,031,226
827 1,031,226
828 1,031,226
829 1,031,226
830 1,031,226
831 1,031,226
832 1,031,226
833 1,031,226
834 1,031,226
835 1,031,226
836 1,031,226
837 1,031,226
838 1,031,226
839 1,031,226
840 1,031,226
841 1,031,226
842 1,031,226
843 1,031,226
844 1,031,226
845 1,031,226
846 1,031,226
847 1,031,226
848 1,031,226
849 1,031,226
850 1,031,226
851 1,031,226
852 1,031,226
853 1,031,226
854 1,031,226
855 1,031,226
856 1,031,226
857 1,031,226
858 1,031,226
859 1,031,226
860 1,031,226
861 1,031,226
862 1,031,226
863 1,031,226
864 1,031,226
865 1,031,226
866 1,031,226
867 1,031,226
868 1,031,226
869 1,031,226
870 1,031,226
871 1,031,226
872 1,031,226
873 1,031,226
874 1,031,226
875 1,031,226
876 1,031,226
877 1,031,226
878 1,031,226
879 1,031,226
880 1,031,226
881 1,031,226
882 1,031,226
883 1,031,226
884 1,031,226
885 1,031,226
886 1,031,226
887 1,031,226
888 1,031,226
889 1,031,226
890 1,031,226
891 1,031,226
892 1,031,226
893 1,031,226
894 1,031,226
895 1,031,226
896 1,031,226
897 1,031,226
898 1,031,226
899 1,031,226
900 1,031,226
901 1,031,226
902 1,031,226
903 1,031,226
904 1,031,226
905 1,031,226
906 1,031,226
907 1,031,226
908 1,031,226
909 1,031,226
910 1,031,226
911 1,031,226
912 1,031,226
913 1,031,226
914 1,031,226
915 1,031,226
916 1,031,226
917 1,031,226
918 1,031,226
919 1,031,226
920 1,031,226
921 1,031,226
922 1,031,226
923 1,031,226
924 1,031,226
925 1,031,226
926 1,031,226
927 1,031,226
928 1,031,226
929 1,031,226
930 1,031,226
931 1,031,226
932 1,031,226
933 1,031,226
934 1,031,226
935 1,031,226
936 1,031,226
937 1,031,226
938 1,031,226
939 1,031,226
940 1,031,226
941 1,031,226
942 1,031,226
943 1,031,226
944 1,031,226
945 1,031,226
946 1,031,226
947 1,031,226
948 1,031,226
949 1,031,226
950 1,031,226
951 1,031,226
952 1,031,226
953 1,031,226
954 1,031,226
955 1,031,226
956 1,031,226
957 1,031,226
958 1,031,226
959 1,031,226
960 1,031,226
961 1,031,226
962 1,031,226
963 1,031,226
964 1,031,226
965 1,031,226
966 1,031,226
967 1,031,226
968 1,031,226
969 1,031,226
970 1,031,226
971 1,031,226
972 1,031,226
973 1,031,226
974 1,031,226
975 1,031,226
976 1,031,226
977 1,031,226
978 1,031,226
979 1,031,226
980 1,031,226
981 1,031,226
982 1,031,226
983 1,031,226
984 1,031,226
985 1,031,226
986 1,031,226
 987 1,031,226
988 1,031,226
989 1,031,226
990 1,031,226
991 1,031,226
992 1,031,226
993 1,031,226
994 1,031,226
995 1,031,226
996 1,031,226
997 1,031,226
998 1,031,226
999 1,031,226
1000 1,031,226
 ESTADÍSTICOS
Valor esperado 1,031,226
Desv estandar 2.14311E-08
Maximo 1,031,226
Minimo 1,031,226
Prob > 1 millón 100.0%
Respuesta 3:
Recomendaciones para los empleados con un perfil similar al de Tom Gifford:
1.
Teniendo en cuenta que la tasa de incremento salarial y la tasa de incremento del portafolio son variables
pueden tener bajo control, un mayor porcentaje del salario como inversión, incrementará la probabilidad balance final cerca
millón.
2.
Dadas las condiciones, para asegurar un 100% de probabilidad de llegar a US$ 1 millón, se debe destinar salario anual com
portafolio.
3.
Dadas las condiciones, para asegurar un 85% de probabilidad de llegar a US$ 1 millón, se debe destinar u salario anual com
al portafolio.
que no se de
tener un

s
un 17% del

n 12% del
 portafolio son variables
mentará la probabilidad balance final cercano al US$ 1

millón, se debe destinar salario anual como inversión al

illón, se debe destinar u salario anual como inversión

 CASO FOUR CORNERS
Respuesta 4:
Si Tom decide inversión par
probabilidad.

DATOS DEL CASO

Tom Gifford 40 años
Salario (US$) 85,000
Tasa de Incremento del salario anual 5% 0% - 10%
Portafolio al inicio 50,000
Contribución de inversión (% del salario) 6%
Ganancia = (Balance inic*R) + (Inv*R/2)
R = Tasa de crec. anual del portafolio 10% Media=
MODELO DE
Año Balance inic Salario
1 50,000 85,000
2 62,712 90,743
3 70,231 98,958
4 86,092 108,520
5 104,312 114,112
6 117,854 115,865
7 135,365 126,607
8 172,093 135,827
9 197,646 141,339
10 249,554 151,060
11 269,989 155,070
12 327,711 156,744
13 377,597 169,682
14 409,514 184,367
15 447,138 200,316
16 536,047 201,162
17 595,934 212,660
18 680,004 213,522
19 830,416 219,135
20 934,556 220,772
21 1,036,616 234,839
22 1,128,553 248,384
23 1,222,182 269,156
24 1,383,096 294,312
25 1,498,290 318,328
 Respuesta 4:

0% - 10%

DE
trabajar 25 años, basta con un 6% del salario anual como a alcanzar
un Balance Final de US$1 millón con un 93% de Este 6% era el
estimado original teniendo en cuenta tasas
constantes.

1000 SIMULACIONES
1 1,711,828
2 1,711,828
3 1,711,828
4 1,711,828
5 1,711,828
6 1,711,828
7 1,711,828
8 1,711,828
9 1,711,828
10 1,711,828
11 1,711,828
12 1,711,828
13 1,711,828
14 1,711,828
15 1,711,828
16 1,711,828
17 1,711,828
18 1,711,828
19 1,711,828
20 1,711,828
21 1,711,828
22 1,711,828
23 1,711,828
24 1,711,828
25 1,711,828
26 1,711,828
27 1,711,828
28 1,711,828
29 1,711,828
30 1,711,828
31 1,711,828
32 1,711,828
33 1,711,828
34 1,711,828
35 1,711,828
36 1,711,828
 37 1,711,828
38 1,711,828
39 1,711,828
40 1,711,828
41 1,711,828
42 1,711,828
43 1,711,828
Dist.Uniforme
10% Desv. Est.= 5% Dist.Normal
PLANEACIÓN FINANCIERA
Inversión Ganancia Balance Fin Edad
5,100 7,612 62,712 41
5,445 2,074 70,231 42
5,937 9,924 86,092 43
6,511 11,709 104,312 44
6,847 6,695 117,854 45
6,952 10,560 135,365 46
7,596 29,132 172,093 47
8,150 17,403 197,646 48
8,480 43,428 249,554 49
9,064 11,371 269,989 50
9,304 48,418 327,711 51
9,405 40,481 377,597 52
10,181 21,736 409,514 53
11,062 26,562 447,138 54
12,019 76,889 536,047 55
12,070 47,818 595,934 56
12,760 71,310 680,004 57
12,811 137,601 830,416 58
13,148 90,992 934,556 59
13,246 88,814 1,036,616 60
14,090 77,846 1,128,553 61
14,903 78,725 1,222,182 62
16,149 144,764 1,383,096 63
17,659 97,536 1,498,290 64
19,100 194,439 1,711,828 65
44 1,711,828
45 1,711,828
46 1,711,828
47 1,711,828
48 1,711,828
49 1,711,828
50 1,711,828
51 1,711,828
52 1,711,828
53 1,711,828
54 1,711,828
55 1,711,828
56 1,711,828
57 1,711,828
58 1,711,828
59 1,711,828
60 1,711,828
61 1,711,828
62 1,711,828
63 1,711,828
64 1,711,828
65 1,711,828
66 1,711,828
67 1,711,828
68 1,711,828
69 1,711,828
70 1,711,828
71 1,711,828
72 1,711,828
73 1,711,828
74 1,711,828
75 1,711,828
76 1,711,828
77 1,711,828
78 1,711,828
79 1,711,828
80 1,711,828
81 1,711,828
82 1,711,828
83 1,711,828
84 1,711,828
85 1,711,828
86 1,711,828
87 1,711,828
88 1,711,828
89 1,711,828
90 1,711,828
91 1,711,828
92 1,711,828
93 1,711,828
94 1,711,828
95 1,711,828
96 1,711,828
97 1,711,828
98 1,711,828
99 1,711,828
100 1,711,828
101 1,711,828
102 1,711,828
103 1,711,828
104 1,711,828
105 1,711,828
106 1,711,828
107 1,711,828
108 1,711,828
109 1,711,828
110 1,711,828
111 1,711,828
112 1,711,828
113 1,711,828
114 1,711,828
115 1,711,828
116 1,711,828
117 1,711,828
118 1,711,828
119 1,711,828
120 1,711,828
121 1,711,828
122 1,711,828
123 1,711,828
124 1,711,828
125 1,711,828
126 1,711,828
127 1,711,828
128 1,711,828
129 1,711,828
130 1,711,828
131 1,711,828
132 1,711,828
133 1,711,828
134 1,711,828
135 1,711,828
136 1,711,828
137 1,711,828
138 1,711,828
139 1,711,828
140 1,711,828
141 1,711,828
142 1,711,828
143 1,711,828
144 1,711,828
145 1,711,828
146 1,711,828
147 1,711,828
148 1,711,828
149 1,711,828
150 1,711,828
151 1,711,828
152 1,711,828
153 1,711,828
154 1,711,828
155 1,711,828
156 1,711,828
157 1,711,828
158 1,711,828
159 1,711,828
160 1,711,828
161 1,711,828
162 1,711,828
163 1,711,828
164 1,711,828
165 1,711,828
166 1,711,828
167 1,711,828
168 1,711,828
169 1,711,828
170 1,711,828
171 1,711,828
172 1,711,828
173 1,711,828
174 1,711,828
175 1,711,828
176 1,711,828
177 1,711,828
178 1,711,828
179 1,711,828
180 1,711,828
181 1,711,828
182 1,711,828
183 1,711,828
184 1,711,828
185 1,711,828
186 1,711,828
187 1,711,828
188 1,711,828
189 1,711,828
190 1,711,828
191 1,711,828
192 1,711,828
193 1,711,828
194 1,711,828
195 1,711,828
196 1,711,828
197 1,711,828
198 1,711,828
199 1,711,828
200 1,711,828
201 1,711,828
202 1,711,828
203 1,711,828
204 1,711,828
205 1,711,828
206 1,711,828
207 1,711,828
208 1,711,828
209 1,711,828
210 1,711,828
211 1,711,828
212 1,711,828
213 1,711,828
214 1,711,828
215 1,711,828
216 1,711,828
217 1,711,828
218 1,711,828
219 1,711,828
220 1,711,828
221 1,711,828
222 1,711,828
223 1,711,828
224 1,711,828
225 1,711,828
226 1,711,828
227 1,711,828
228 1,711,828
229 1,711,828
230 1,711,828
231 1,711,828
232 1,711,828
233 1,711,828
234 1,711,828
235 1,711,828
236 1,711,828
237 1,711,828
238 1,711,828
239 1,711,828
240 1,711,828
241 1,711,828
242 1,711,828
243 1,711,828
244 1,711,828
245 1,711,828
246 1,711,828
247 1,711,828
248 1,711,828
249 1,711,828
250 1,711,828
251 1,711,828
252 1,711,828
253 1,711,828
254 1,711,828
255 1,711,828
256 1,711,828
257 1,711,828
258 1,711,828
259 1,711,828
260 1,711,828
261 1,711,828
262 1,711,828
263 1,711,828
264 1,711,828
265 1,711,828
266 1,711,828
267 1,711,828
268 1,711,828
269 1,711,828
270 1,711,828
271 1,711,828
272 1,711,828
273 1,711,828
274 1,711,828
275 1,711,828
276 1,711,828
277 1,711,828
278 1,711,828
279 1,711,828
280 1,711,828
281 1,711,828
282 1,711,828
283 1,711,828
284 1,711,828
285 1,711,828
286 1,711,828
287 1,711,828
288 1,711,828
289 1,711,828
290 1,711,828
291 1,711,828
292 1,711,828
293 1,711,828
294 1,711,828
295 1,711,828
296 1,711,828
297 1,711,828
298 1,711,828
299 1,711,828
300 1,711,828
301 1,711,828
302 1,711,828
303 1,711,828
304 1,711,828
305 1,711,828
306 1,711,828
307 1,711,828
308 1,711,828
309 1,711,828
310 1,711,828
311 1,711,828
312 1,711,828
313 1,711,828
314 1,711,828
315 1,711,828
316 1,711,828
317 1,711,828
318 1,711,828
319 1,711,828
320 1,711,828
321 1,711,828
322 1,711,828
323 1,711,828
324 1,711,828
325 1,711,828
326 1,711,828
327 1,711,828
328 1,711,828
329 1,711,828
330 1,711,828
331 1,711,828
332 1,711,828
333 1,711,828
334 1,711,828
335 1,711,828
336 1,711,828
337 1,711,828
338 1,711,828
339 1,711,828
340 1,711,828
341 1,711,828
342 1,711,828
343 1,711,828
344 1,711,828
345 1,711,828
346 1,711,828
347 1,711,828
348 1,711,828
349 1,711,828
350 1,711,828
351 1,711,828
352 1,711,828
353 1,711,828
354 1,711,828
355 1,711,828
356 1,711,828
357 1,711,828
358 1,711,828
359 1,711,828
360 1,711,828
361 1,711,828
362 1,711,828
363 1,711,828
364 1,711,828
365 1,711,828
366 1,711,828
367 1,711,828
368 1,711,828
369 1,711,828
370 1,711,828
371 1,711,828
372 1,711,828
373 1,711,828
374 1,711,828
375 1,711,828
376 1,711,828
377 1,711,828
378 1,711,828
379 1,711,828
380 1,711,828
381 1,711,828
382 1,711,828
383 1,711,828
384 1,711,828
385 1,711,828
386 1,711,828
387 1,711,828
388 1,711,828
389 1,711,828
390 1,711,828
391 1,711,828
392 1,711,828
393 1,711,828
394 1,711,828
395 1,711,828
396 1,711,828
397 1,711,828
398 1,711,828
399 1,711,828
400 1,711,828
401 1,711,828
402 1,711,828
403 1,711,828
404 1,711,828
405 1,711,828
406 1,711,828
407 1,711,828
408 1,711,828
409 1,711,828
410 1,711,828
411 1,711,828
412 1,711,828
413 1,711,828
414 1,711,828
415 1,711,828
416 1,711,828
417 1,711,828
418 1,711,828
419 1,711,828
420 1,711,828
421 1,711,828
422 1,711,828
423 1,711,828
424 1,711,828
425 1,711,828
426 1,711,828
427 1,711,828
428 1,711,828
429 1,711,828
430 1,711,828
431 1,711,828
432 1,711,828
433 1,711,828
434 1,711,828
435 1,711,828
436 1,711,828
437 1,711,828
438 1,711,828
439 1,711,828
440 1,711,828
441 1,711,828
442 1,711,828
443 1,711,828
444 1,711,828
445 1,711,828
446 1,711,828
447 1,711,828
448 1,711,828
449 1,711,828
450 1,711,828
451 1,711,828
452 1,711,828
453 1,711,828
454 1,711,828
455 1,711,828
456 1,711,828
457 1,711,828
458 1,711,828
459 1,711,828
460 1,711,828
461 1,711,828
462 1,711,828
463 1,711,828
464 1,711,828
465 1,711,828
466 1,711,828
467 1,711,828
468 1,711,828
469 1,711,828
470 1,711,828
471 1,711,828
472 1,711,828
473 1,711,828
474 1,711,828
475 1,711,828
476 1,711,828
477 1,711,828
478 1,711,828
479 1,711,828
480 1,711,828
481 1,711,828
482 1,711,828
483 1,711,828
484 1,711,828
485 1,711,828
486 1,711,828
487 1,711,828
488 1,711,828
489 1,711,828
490 1,711,828
491 1,711,828
492 1,711,828
493 1,711,828
494 1,711,828
495 1,711,828
496 1,711,828
497 1,711,828
498 1,711,828
499 1,711,828
500 1,711,828
501 1,711,828
502 1,711,828
503 1,711,828
504 1,711,828
505 1,711,828
506 1,711,828
507 1,711,828
508 1,711,828
509 1,711,828
510 1,711,828
511 1,711,828
512 1,711,828
513 1,711,828
514 1,711,828
515 1,711,828
516 1,711,828
517 1,711,828
518 1,711,828
519 1,711,828
520 1,711,828
521 1,711,828
522 1,711,828
523 1,711,828
524 1,711,828
525 1,711,828
526 1,711,828
527 1,711,828
528 1,711,828
529 1,711,828
530 1,711,828
531 1,711,828
532 1,711,828
533 1,711,828
534 1,711,828
535 1,711,828
536 1,711,828
537 1,711,828
538 1,711,828
539 1,711,828
540 1,711,828
541 1,711,828
542 1,711,828
543 1,711,828
544 1,711,828
545 1,711,828
546 1,711,828
547 1,711,828
548 1,711,828
549 1,711,828
550 1,711,828
551 1,711,828
552 1,711,828
553 1,711,828
554 1,711,828
555 1,711,828
556 1,711,828
557 1,711,828
558 1,711,828
559 1,711,828
560 1,711,828
561 1,711,828
562 1,711,828
563 1,711,828
564 1,711,828
565 1,711,828
566 1,711,828
567 1,711,828
568 1,711,828
569 1,711,828
570 1,711,828
571 1,711,828
572 1,711,828
573 1,711,828
574 1,711,828
575 1,711,828
576 1,711,828
577 1,711,828
578 1,711,828
579 1,711,828
580 1,711,828
581 1,711,828
582 1,711,828
583 1,711,828
584 1,711,828
585 1,711,828
586 1,711,828
587 1,711,828
588 1,711,828
589 1,711,828
590 1,711,828
591 1,711,828
592 1,711,828
593 1,711,828
594 1,711,828
595 1,711,828
596 1,711,828
597 1,711,828
598 1,711,828
599 1,711,828
600 1,711,828
601 1,711,828
602 1,711,828
603 1,711,828
604 1,711,828
605 1,711,828
606 1,711,828
607 1,711,828
608 1,711,828
609 1,711,828
610 1,711,828
611 1,711,828
612 1,711,828
613 1,711,828
614 1,711,828
615 1,711,828
616 1,711,828
617 1,711,828
618 1,711,828
619 1,711,828
620 1,711,828
621 1,711,828
622 1,711,828
623 1,711,828
624 1,711,828
625 1,711,828
626 1,711,828
627 1,711,828
628 1,711,828
629 1,711,828
630 1,711,828
631 1,711,828
632 1,711,828
633 1,711,828
634 1,711,828
635 1,711,828
636 1,711,828
637 1,711,828
638 1,711,828
639 1,711,828
640 1,711,828
641 1,711,828
642 1,711,828
643 1,711,828
644 1,711,828
645 1,711,828
646 1,711,828
647 1,711,828
648 1,711,828
649 1,711,828
650 1,711,828
651 1,711,828
652 1,711,828
653 1,711,828
654 1,711,828
655 1,711,828
656 1,711,828
657 1,711,828
658 1,711,828
659 1,711,828
660 1,711,828
661 1,711,828
662 1,711,828
663 1,711,828
664 1,711,828
665 1,711,828
666 1,711,828
667 1,711,828
668 1,711,828
669 1,711,828
670 1,711,828
671 1,711,828
672 1,711,828
673 1,711,828
674 1,711,828
675 1,711,828
676 1,711,828
677 1,711,828
678 1,711,828
679 1,711,828
680 1,711,828
681 1,711,828
682 1,711,828
683 1,711,828
684 1,711,828
685 1,711,828
686 1,711,828
687 1,711,828
688 1,711,828
689 1,711,828
690 1,711,828
691 1,711,828
692 1,711,828
693 1,711,828
694 1,711,828
695 1,711,828
696 1,711,828
697 1,711,828
698 1,711,828
699 1,711,828
700 1,711,828
701 1,711,828
702 1,711,828
703 1,711,828
704 1,711,828
705 1,711,828
706 1,711,828
707 1,711,828
708 1,711,828
709 1,711,828
710 1,711,828
711 1,711,828
712 1,711,828
713 1,711,828
714 1,711,828
715 1,711,828
716 1,711,828
717 1,711,828
718 1,711,828
719 1,711,828
720 1,711,828
721 1,711,828
722 1,711,828
723 1,711,828
724 1,711,828
725 1,711,828
726 1,711,828
727 1,711,828
728 1,711,828
729 1,711,828
730 1,711,828
731 1,711,828
732 1,711,828
733 1,711,828
734 1,711,828
735 1,711,828
736 1,711,828
737 1,711,828
738 1,711,828
739 1,711,828
740 1,711,828
741 1,711,828
742 1,711,828
743 1,711,828
744 1,711,828
745 1,711,828
746 1,711,828
747 1,711,828
748 1,711,828
749 1,711,828
750 1,711,828
751 1,711,828
752 1,711,828
753 1,711,828
754 1,711,828
755 1,711,828
756 1,711,828
757 1,711,828
758 1,711,828
759 1,711,828
760 1,711,828
761 1,711,828
762 1,711,828
763 1,711,828
764 1,711,828
765 1,711,828
766 1,711,828
767 1,711,828
768 1,711,828
769 1,711,828
770 1,711,828
771 1,711,828
772 1,711,828
773 1,711,828
774 1,711,828
775 1,711,828
776 1,711,828
777 1,711,828
778 1,711,828
779 1,711,828
780 1,711,828
781 1,711,828
782 1,711,828
783 1,711,828
784 1,711,828
785 1,711,828
786 1,711,828
787 1,711,828
788 1,711,828
789 1,711,828
790 1,711,828
791 1,711,828
792 1,711,828
793 1,711,828
794 1,711,828
795 1,711,828
796 1,711,828
797 1,711,828
798 1,711,828
799 1,711,828
800 1,711,828
801 1,711,828
802 1,711,828
803 1,711,828
804 1,711,828
805 1,711,828
806 1,711,828
807 1,711,828
808 1,711,828
809 1,711,828
810 1,711,828
811 1,711,828
812 1,711,828
813 1,711,828
814 1,711,828
815 1,711,828
816 1,711,828
817 1,711,828
818 1,711,828
819 1,711,828
820 1,711,828
821 1,711,828
822 1,711,828
823 1,711,828
824 1,711,828
825 1,711,828
826 1,711,828
827 1,711,828
828 1,711,828
829 1,711,828
830 1,711,828
831 1,711,828
832 1,711,828
833 1,711,828
834 1,711,828
835 1,711,828
836 1,711,828
837 1,711,828
838 1,711,828
839 1,711,828
840 1,711,828
841 1,711,828
842 1,711,828
843 1,711,828
844 1,711,828
845 1,711,828
846 1,711,828
847 1,711,828
848 1,711,828
849 1,711,828
850 1,711,828
851 1,711,828
852 1,711,828
853 1,711,828
854 1,711,828
855 1,711,828
856 1,711,828
857 1,711,828
858 1,711,828
859 1,711,828
860 1,711,828
861 1,711,828
862 1,711,828
863 1,711,828
864 1,711,828
865 1,711,828
866 1,711,828
867 1,711,828
868 1,711,828
869 1,711,828
870 1,711,828
871 1,711,828
872 1,711,828
873 1,711,828
874 1,711,828
875 1,711,828
876 1,711,828
877 1,711,828
878 1,711,828
879 1,711,828
880 1,711,828
881 1,711,828
882 1,711,828
883 1,711,828
884 1,711,828
885 1,711,828
886 1,711,828
887 1,711,828
888 1,711,828
889 1,711,828
890 1,711,828
891 1,711,828
892 1,711,828
893 1,711,828
894 1,711,828
895 1,711,828
896 1,711,828
897 1,711,828
898 1,711,828
899 1,711,828
900 1,711,828
901 1,711,828
902 1,711,828
903 1,711,828
904 1,711,828
905 1,711,828
906 1,711,828
907 1,711,828
908 1,711,828
909 1,711,828
910 1,711,828
911 1,711,828
912 1,711,828
913 1,711,828
914 1,711,828
915 1,711,828
916 1,711,828
917 1,711,828
918 1,711,828
919 1,711,828
920 1,711,828
921 1,711,828
922 1,711,828
923 1,711,828
924 1,711,828
925 1,711,828
926 1,711,828
927 1,711,828
928 1,711,828
929 1,711,828
930 1,711,828
931 1,711,828
932 1,711,828
933 1,711,828
934 1,711,828
935 1,711,828
936 1,711,828
937 1,711,828
938 1,711,828
939 1,711,828
940 1,711,828
941 1,711,828
942 1,711,828
943 1,711,828
944 1,711,828
945 1,711,828
946 1,711,828
947 1,711,828
948 1,711,828
949 1,711,828
950 1,711,828
951 1,711,828
952 1,711,828
953 1,711,828
954 1,711,828
955 1,711,828
956 1,711,828
957 1,711,828
958 1,711,828
959 1,711,828
960 1,711,828
961 1,711,828
962 1,711,828
963 1,711,828
964 1,711,828
965 1,711,828
966 1,711,828
967 1,711,828
968 1,711,828
969 1,711,828
970 1,711,828
971 1,711,828
972 1,711,828
973 1,711,828
974 1,711,828
975 1,711,828
976 1,711,828
977 1,711,828
978 1,711,828
979 1,711,828
980 1,711,828
981 1,711,828
982 1,711,828
983 1,711,828
984 1,711,828
985 1,711,828
986 1,711,828
 987 1,711,828
988 1,711,828
989 1,711,828
990 1,711,828
991 1,711,828
992 1,711,828
993 1,711,828
994 1,711,828
995 1,711,828
996 1,711,828
997 1,711,828
998 1,711,828
999 1,711,828
1000 1,711,828
 ESTADÍSTICOS
Valor esperado 1,711,828
Desv estandar 3.5408E-08
Maximo 1,711,828
Minimo 1,711,828
Prob > 1 millón 100.0%
 MODELO DE PLANEACIÓN FINANCIERA
Respuesta 5:
El siguiente modelo de plane utilizado para
cualquier empl
celdas de col
DATOS NECESARIOS
Edad de la persona 40
Salario (US$) 85,000
Monto inicial del portafolio 50,000
% del salario destinado a invertir 6%
Se estimarán probabilida

Tasa de Incremento del salario anual 0% - 10%

R = Tasa de crec. anual del portafolio 10%
MODELO DE PLANEACIÓ
Año Balance inic Salario
1 50,000 85,000
2 58,593 85,886
3 68,353 87,605
4 84,113 92,851
5 93,169 93,277
6 110,225 96,437
7 127,072 105,024
8 143,193 114,216
9 159,426 119,986
10 183,421 123,213
11 208,039 130,120
12 230,401 136,121
13 244,287 138,346
14 281,518 140,209
15 325,039 149,026
16 356,715 162,203
17 410,363 167,412
18 436,476 179,865
19 471,930 193,187
20 520,029 202,609
21 593,005 216,212
22 720,130 219,073
23 834,538 233,908
24 971,374 239,013
25 1,075,738 248,563
5:

DE PLANEACIÓ
Inversión
5,100
5,153
5,256
5,571
5,597
5,786
6,301
6,853
7,199
7,393
7,807
8,167
8,301
8,413
8,942
9,732
10,045
10,792
11,591
12,157
12,973
13,144
14,034
14,341
14,914
ación financiera puede ser
eado. Solo se debe llenar las or
naranja.

PROBABILIDAD DE QUE SUPERE

US$1 MILLÓN
25 años 100%
24 años 100%
23 años 0%
22 años 0%
21 años 0%
20 años 0%
des desde 20 a 25 años

N FINANCIERA
Ganancia Balance Fin Edad
3,493 58,593 41
4,607 68,353 42
10,504 84,113 43
3,485 93,169 44
11,459 110,225 45
11,061 127,072 46
9,820 143,193 47
9,379 159,426 48
16,796 183,421 49
17,225 208,039 50
14,554 230,401 51
5,719 244,287 52
28,931 281,518 53
35,109 325,039 54
22,735 356,715 55
43,916 410,363 56
16,068 436,476 57
24,662 471,930 58
36,508 520,029 59
60,820 593,005 60
114,152 720,130 61
101,264 834,538 62
122,802 971,374 63
90,024 1,075,738 64
149,215 1,239,867 65