Misma disciplina de ahorro: cada mes eliges si ese extra va a capital del crédito o a un portafolio con un rendimiento anual que tú supongas. La herramienta no rebaja la mensualidad del banco cuando prepagas (como en la calculadora de hipoteca).
Guía en el blog: prepagar tu hipoteca o invertir: ideas y contexto.
Misma cuota contractual del banco en ambos casos: el monto discrecional va a capital o a una inversión con la tasa anual que asumas (nominal, capitalización mensual). Modelo sin seguros ni Infonavit; alinea con la calculadora de hipoteca.
Supuesto nominal; los mercados no lo garantizan.
Mensualidad contractual (aprox.)
$18,643
+ $5,000 discrecional
Plazo hasta liquidar (prepagos)
11 años, 9 meses
Sin prepagar: 20 años
Intereses del crédito (prepagos vs invertir)
$1,321,288 vs $2,474,230
Menos interés con prepagos: $1,152,942
Patrimonio neto al mes 240 (inversión − deuda)
Prepagos: $707,572
Invertir: $2,945,102
Diferencia (invertir − prepagos): +$2,237,530
Total aportado en el discrecional (hasta mes 240)
Ruta invertir: $1,200,000 ($5,000 × 240 meses)
Ruta prepagos: $1,200,000 ($5,000 × 240 meses)
Con estos números, en ningún mes el neto de prepagos alcanza al de invertir dentro del horizonte mostrado.
“Neto” = saldo de la inversión simulada menos saldo insoluto del crédito. No incluye el valor de la vivienda (igual en ambos escenarios).
Saldo hip. = insoluto del crédito. Fondo = inversión simulada. Neto = fondo − deuda.
| Mes | Deuda (prep.) | Deuda (inv.) | Fondo prep. | Fondo inv. | Neto prep. | Neto inv. |
|---|---|---|---|---|---|---|
| 0 | $2,000,000.00 | $2,000,000.00 | $0.00 | $0.00 | -$2,000,000.00 | -$2,000,000.00 |
| 1 | $1,992,190.71 | $1,997,190.71 | $0.00 | $5,000.00 | -$1,992,190.71 | -$1,992,190.71 |
| 2 | $1,984,319.60 | $1,994,359.18 | $0.00 | $10,033.33 | -$1,984,319.60 | -$1,984,325.85 |
| 3 | $1,976,386.17 | $1,991,505.23 | $0.00 | $15,100.22 | -$1,976,386.17 | -$1,976,405.01 |
| 4 | $1,968,389.94 | $1,988,628.69 | $0.00 | $20,200.89 | -$1,968,389.94 | -$1,968,427.80 |
| 5 | $1,960,330.40 | $1,985,729.38 | $0.00 | $25,335.56 | -$1,960,330.40 | -$1,960,393.82 |
| 6 | $1,952,207.06 | $1,982,807.11 | $0.00 | $30,504.47 | -$1,952,207.06 | -$1,952,302.65 |
| 7 | $1,944,019.41 | $1,979,861.71 | $0.00 | $35,707.83 | -$1,944,019.41 | -$1,944,153.88 |
| 8 | $1,935,766.94 | $1,976,892.99 | $0.00 | $40,945.88 | -$1,935,766.94 | -$1,935,947.11 |
| 9 | $1,927,449.13 | $1,973,900.77 | $0.00 | $46,218.85 | -$1,927,449.13 | -$1,927,681.92 |
| 10 | $1,919,065.48 | $1,970,884.86 | $0.00 | $51,526.98 | -$1,919,065.48 | -$1,919,357.88 |
| 11 | $1,910,615.46 | $1,967,845.08 | $0.00 | $56,870.49 | -$1,910,615.46 | -$1,910,974.58 |
| 12 | $1,902,098.54 | $1,964,781.23 | $0.00 | $62,249.63 | -$1,902,098.54 | -$1,902,531.60 |
| 13 | $1,893,514.20 | $1,961,693.12 | $0.00 | $67,664.63 | -$1,893,514.20 | -$1,894,028.49 |
| 14 | $1,884,861.90 | $1,958,580.57 | $0.00 | $73,115.73 | -$1,884,861.90 | -$1,885,464.84 |
| 15 | $1,876,141.10 | $1,955,443.37 | $0.00 | $78,603.16 | -$1,876,141.10 | -$1,876,840.21 |
| 16 | $1,867,351.26 | $1,952,281.34 | $0.00 | $84,127.18 | -$1,867,351.26 | -$1,868,154.16 |
| 17 | $1,858,491.83 | $1,949,094.28 | $0.00 | $89,688.03 | -$1,858,491.83 | -$1,859,406.25 |
| 18 | $1,849,562.27 | $1,945,881.99 | $0.00 | $95,285.95 | -$1,849,562.27 | -$1,850,596.03 |
| 19 | $1,840,562.01 | $1,942,644.26 | $0.00 | $100,921.19 | -$1,840,562.01 | -$1,841,723.07 |
| 20 | $1,831,490.50 | $1,939,380.90 | $0.00 | $106,594.00 | -$1,831,490.50 | -$1,832,786.90 |
| 21 | $1,822,347.18 | $1,936,091.71 | $0.00 | $112,304.63 | -$1,822,347.18 | -$1,823,787.09 |
| 22 | $1,813,131.47 | $1,932,776.48 | $0.00 | $118,053.32 | -$1,813,131.47 | -$1,814,723.16 |
| 23 | $1,803,842.80 | $1,929,435.01 | $0.00 | $123,840.35 | -$1,803,842.80 | -$1,805,594.66 |
| 24 | $1,794,480.60 | $1,926,067.08 | $0.00 | $129,665.95 | -$1,794,480.60 | -$1,796,401.13 |
| 25 | $1,785,044.28 | $1,922,672.48 | $0.00 | $135,530.39 | -$1,785,044.28 | -$1,787,142.09 |
| 26 | $1,775,533.26 | $1,919,251.02 | $0.00 | $141,433.92 | -$1,775,533.26 | -$1,777,817.09 |
| 27 | $1,765,946.94 | $1,915,802.46 | $0.00 | $147,376.82 | -$1,765,946.94 | -$1,768,425.65 |
| 28 | $1,756,284.73 | $1,912,326.61 | $0.00 | $153,359.33 | -$1,756,284.73 | -$1,758,967.28 |
| 29 | $1,746,546.03 | $1,908,823.24 | $0.00 | $159,381.72 | -$1,746,546.03 | -$1,749,441.51 |
| 30 | $1,736,730.23 | $1,905,292.13 | $0.00 | $165,444.27 | -$1,736,730.23 | -$1,739,847.86 |
| 31 | $1,726,836.72 | $1,901,733.07 | $0.00 | $171,547.23 | -$1,726,836.72 | -$1,730,185.84 |
| 32 | $1,716,864.88 | $1,898,145.83 | $0.00 | $177,690.88 | -$1,716,864.88 | -$1,720,454.95 |
| 33 | $1,706,814.11 | $1,894,530.20 | $0.00 | $183,875.49 | -$1,706,814.11 | -$1,710,654.71 |
| 34 | $1,696,683.76 | $1,890,885.94 | $0.00 | $190,101.32 | -$1,696,683.76 | -$1,700,784.62 |
| 35 | $1,686,473.22 | $1,887,212.83 | $0.00 | $196,368.66 | -$1,686,473.22 | -$1,690,844.16 |
| 36 | $1,676,181.84 | $1,883,510.64 | $0.00 | $202,677.79 | -$1,676,181.84 | -$1,680,832.85 |
| 37 | $1,665,808.99 | $1,879,779.14 | $0.00 | $209,028.97 | -$1,665,808.99 | -$1,670,750.17 |
| 38 | $1,655,354.02 | $1,876,018.10 | $0.00 | $215,422.50 | -$1,655,354.02 | -$1,660,595.60 |
| 39 | $1,644,816.28 | $1,872,227.29 | $0.00 | $221,858.65 | -$1,644,816.28 | -$1,650,368.64 |
| 40 | $1,634,195.12 | $1,868,406.46 | $0.00 | $228,337.71 | -$1,634,195.12 | -$1,640,068.76 |
| 41 | $1,623,489.87 | $1,864,555.39 | $0.00 | $234,859.96 | -$1,623,489.87 | -$1,629,695.43 |
| 42 | $1,612,699.88 | $1,860,673.83 | $0.00 | $241,425.69 | -$1,612,699.88 | -$1,619,248.14 |
| 43 | $1,601,824.46 | $1,856,761.54 | $0.00 | $248,035.20 | -$1,601,824.46 | -$1,608,726.34 |
| 44 | $1,590,862.95 | $1,852,818.28 | $0.00 | $254,688.77 | -$1,590,862.95 | -$1,598,129.51 |
| 45 | $1,579,814.66 | $1,848,843.80 | $0.00 | $261,386.69 | -$1,579,814.66 | -$1,587,457.11 |
| 46 | $1,568,678.90 | $1,844,837.86 | $0.00 | $268,129.27 | -$1,568,678.90 | -$1,576,708.59 |
| 47 | $1,557,454.98 | $1,840,800.20 | $0.00 | $274,916.80 | -$1,557,454.98 | -$1,565,883.40 |
| 48 | $1,546,142.21 | $1,836,730.58 | $0.00 | $281,749.58 | -$1,546,142.21 | -$1,554,981.00 |
| 49 | $1,534,739.88 | $1,832,628.74 | $0.00 | $288,627.91 | -$1,534,739.88 | -$1,544,000.83 |
| 50 | $1,523,247.28 | $1,828,494.42 | $0.00 | $295,552.09 | -$1,523,247.28 | -$1,532,942.33 |
| 51 | $1,511,663.70 | $1,824,327.38 | $0.00 | $302,522.44 | -$1,511,663.70 | -$1,521,804.94 |
| 52 | $1,499,988.41 | $1,820,127.35 | $0.00 | $309,539.26 | -$1,499,988.41 | -$1,510,588.09 |
| 53 | $1,488,220.70 | $1,815,894.07 | $0.00 | $316,602.85 | -$1,488,220.70 | -$1,499,291.22 |
| 54 | $1,476,359.82 | $1,811,627.27 | $0.00 | $323,713.54 | -$1,476,359.82 | -$1,487,913.74 |
| 55 | $1,464,405.04 | $1,807,326.70 | $0.00 | $330,871.63 | -$1,464,405.04 | -$1,476,455.07 |
| 56 | $1,452,355.63 | $1,802,992.08 | $0.00 | $338,077.44 | -$1,452,355.63 | -$1,464,914.64 |
| 57 | $1,440,210.82 | $1,798,623.14 | $0.00 | $345,331.29 | -$1,440,210.82 | -$1,453,291.85 |
| 58 | $1,427,969.86 | $1,794,219.62 | $0.00 | $352,633.50 | -$1,427,969.86 | -$1,441,586.12 |
| 59 | $1,415,632.00 | $1,789,781.23 | $0.00 | $359,984.39 | -$1,415,632.00 | -$1,429,796.85 |
| 60 | $1,403,196.46 | $1,785,307.71 | $0.00 | $367,384.28 | -$1,403,196.46 | -$1,417,923.43 |
| 61 | $1,390,662.48 | $1,780,798.77 | $0.00 | $374,833.51 | -$1,390,662.48 | -$1,405,965.26 |
| 62 | $1,378,029.27 | $1,776,254.14 | $0.00 | $382,332.40 | -$1,378,029.27 | -$1,393,921.74 |
| 63 | $1,365,296.04 | $1,771,673.53 | $0.00 | $389,881.28 | -$1,365,296.04 | -$1,381,792.24 |
| 64 | $1,352,462.01 | $1,767,056.65 | $0.00 | $397,480.49 | -$1,352,462.01 | -$1,369,576.16 |
| 65 | $1,339,526.38 | $1,762,403.23 | $0.00 | $405,130.36 | -$1,339,526.38 | -$1,357,272.86 |
| 66 | $1,326,488.34 | $1,757,712.96 | $0.00 | $412,831.23 | -$1,326,488.34 | -$1,344,881.73 |
| 67 | $1,313,347.08 | $1,752,985.56 | $0.00 | $420,583.44 | -$1,313,347.08 | -$1,332,402.13 |
| 68 | $1,300,101.79 | $1,748,220.74 | $0.00 | $428,387.33 | -$1,300,101.79 | -$1,319,833.41 |
| 69 | $1,286,751.64 | $1,743,418.20 | $0.00 | $436,243.24 | -$1,286,751.64 | -$1,307,174.96 |
| 70 | $1,273,295.80 | $1,738,577.64 | $0.00 | $444,151.53 | -$1,273,295.80 | -$1,294,426.11 |
| 71 | $1,259,733.43 | $1,733,698.75 | $0.00 | $452,112.54 | -$1,259,733.43 | -$1,281,586.21 |
| 72 | $1,246,063.70 | $1,728,781.24 | $0.00 | $460,126.63 | -$1,246,063.70 | -$1,268,654.62 |
| 73 | $1,232,285.74 | $1,723,824.81 | $0.00 | $468,194.14 | -$1,232,285.74 | -$1,255,630.67 |
| 74 | $1,218,398.72 | $1,718,829.13 | $0.00 | $476,315.43 | -$1,218,398.72 | -$1,242,513.70 |
| 75 | $1,204,401.75 | $1,713,793.90 | $0.00 | $484,490.87 | -$1,204,401.75 | -$1,229,303.03 |
| 76 | $1,190,293.97 | $1,708,718.81 | $0.00 | $492,720.81 | -$1,190,293.97 | -$1,215,998.01 |
| 77 | $1,176,074.51 | $1,703,603.55 | $0.00 | $501,005.61 | -$1,176,074.51 | -$1,202,597.93 |
| 78 | $1,161,742.48 | $1,698,447.78 | $0.00 | $509,345.65 | -$1,161,742.48 | -$1,189,102.14 |
| 79 | $1,147,296.98 | $1,693,251.20 | $0.00 | $517,741.29 | -$1,147,296.98 | -$1,175,509.92 |
| 80 | $1,132,737.12 | $1,688,013.49 | $0.00 | $526,192.89 | -$1,132,737.12 | -$1,161,820.59 |
| 81 | $1,118,062.00 | $1,682,734.30 | $0.00 | $534,700.85 | -$1,118,062.00 | -$1,148,033.46 |
| 82 | $1,103,270.70 | $1,677,413.33 | $0.00 | $543,265.52 | -$1,103,270.70 | -$1,134,147.81 |
| 83 | $1,088,362.31 | $1,672,050.22 | $0.00 | $551,887.29 | -$1,088,362.31 | -$1,120,162.93 |
| 84 | $1,073,335.88 | $1,666,644.66 | $0.00 | $560,566.54 | -$1,073,335.88 | -$1,106,078.13 |
| 85 | $1,058,190.50 | $1,661,196.31 | $0.00 | $569,303.65 | -$1,058,190.50 | -$1,091,892.66 |
| 86 | $1,042,925.22 | $1,655,704.82 | $0.00 | $578,099.01 | -$1,042,925.22 | -$1,077,605.82 |
| 87 | $1,027,539.09 | $1,650,169.86 | $0.00 | $586,953.00 | -$1,027,539.09 | -$1,063,216.86 |
| 88 | $1,012,031.15 | $1,644,591.09 | $0.00 | $595,866.02 | -$1,012,031.15 | -$1,048,725.07 |
| 89 | $996,400.44 | $1,638,968.14 | $0.00 | $604,838.46 | -$996,400.44 | -$1,034,129.68 |
| 90 | $980,645.98 | $1,633,300.68 | $0.00 | $613,870.72 | -$980,645.98 | -$1,019,429.97 |
| 91 | $964,766.81 | $1,627,588.35 | $0.00 | $622,963.19 | -$964,766.81 | -$1,004,625.17 |
| 92 | $948,761.92 | $1,621,830.81 | $0.00 | $632,116.28 | -$948,761.92 | -$989,714.53 |
| 93 | $932,630.33 | $1,616,027.68 | $0.00 | $641,330.38 | -$932,630.33 | -$974,697.29 |
| 94 | $916,371.03 | $1,610,178.60 | $0.00 | $650,605.92 | -$916,371.03 | -$959,572.68 |
| 95 | $899,983.01 | $1,604,283.23 | $0.00 | $659,943.29 | -$899,983.01 | -$944,339.93 |
| 96 | $883,465.25 | $1,598,341.18 | $0.00 | $669,342.91 | -$883,465.25 | -$928,998.26 |
| 97 | $866,816.73 | $1,592,352.09 | $0.00 | $678,805.20 | -$866,816.73 | -$913,546.89 |
| 98 | $850,036.40 | $1,586,315.59 | $0.00 | $688,330.57 | -$850,036.40 | -$897,985.02 |
| 99 | $833,123.23 | $1,580,231.30 | $0.00 | $697,919.44 | -$833,123.23 | -$882,311.86 |
| 100 | $816,076.17 | $1,574,098.84 | $0.00 | $707,572.24 | -$816,076.17 | -$866,526.60 |
| 101 | $798,894.15 | $1,567,917.83 | $0.00 | $717,289.38 | -$798,894.15 | -$850,628.44 |
| 102 | $781,576.10 | $1,561,687.89 | $0.00 | $727,071.31 | -$781,576.10 | -$834,616.57 |
| 103 | $764,120.96 | $1,555,408.63 | $0.00 | $736,918.46 | -$764,120.96 | -$818,490.17 |
| 104 | $746,527.62 | $1,549,079.65 | $0.00 | $746,831.24 | -$746,527.62 | -$802,248.41 |
| 105 | $728,795.01 | $1,542,700.58 | $0.00 | $756,810.12 | -$728,795.01 | -$785,890.46 |
| 106 | $710,922.01 | $1,536,271.00 | $0.00 | $766,855.52 | -$710,922.01 | -$769,415.48 |
| 107 | $692,907.52 | $1,529,790.52 | $0.00 | $776,967.89 | -$692,907.52 | -$752,822.63 |
| 108 | $674,750.42 | $1,523,258.74 | $0.00 | $787,147.68 | -$674,750.42 | -$736,111.06 |
| 109 | $656,449.57 | $1,516,675.25 | $0.00 | $797,395.33 | -$656,449.57 | -$719,279.92 |
| 110 | $638,003.84 | $1,510,039.64 | $0.00 | $807,711.30 | -$638,003.84 | -$702,328.34 |
| 111 | $619,412.08 | $1,503,351.49 | $0.00 | $818,096.04 | -$619,412.08 | -$685,255.45 |
| 112 | $600,673.13 | $1,496,610.40 | $0.00 | $828,550.01 | -$600,673.13 | -$668,060.39 |
| 113 | $581,785.84 | $1,489,815.94 | $0.00 | $839,073.68 | -$581,785.84 | -$650,742.26 |
| 114 | $562,749.02 | $1,482,967.70 | $0.00 | $849,667.50 | -$562,749.02 | -$633,300.19 |
| 115 | $543,561.49 | $1,476,065.23 | $0.00 | $860,331.95 | -$543,561.49 | -$615,733.28 |
| 116 | $524,222.06 | $1,469,108.13 | $0.00 | $871,067.50 | -$524,222.06 | -$598,040.63 |
| 117 | $504,729.53 | $1,462,095.94 | $0.00 | $881,874.62 | -$504,729.53 | -$580,221.32 |
| 118 | $485,082.68 | $1,455,028.24 | $0.00 | $892,753.78 | -$485,082.68 | -$562,274.46 |
| 119 | $465,280.29 | $1,447,904.59 | $0.00 | $903,705.47 | -$465,280.29 | -$544,199.12 |
| 120 | $445,321.14 | $1,440,724.55 | $0.00 | $914,730.18 | -$445,321.14 | -$525,994.37 |
| 121 | $425,203.97 | $1,433,487.66 | $0.00 | $925,828.38 | -$425,203.97 | -$507,659.28 |
| 122 | $404,927.55 | $1,426,193.48 | $0.00 | $937,000.57 | -$404,927.55 | -$489,192.91 |
| 123 | $384,490.60 | $1,418,841.55 | $0.00 | $948,247.24 | -$384,490.60 | -$470,594.32 |
| 124 | $363,891.86 | $1,411,431.43 | $0.00 | $959,568.88 | -$363,891.86 | -$451,862.54 |
| 125 | $343,130.05 | $1,403,962.63 | $0.00 | $970,966.01 | -$343,130.05 | -$432,996.62 |
| 126 | $322,203.87 | $1,396,434.72 | $0.00 | $982,439.12 | -$322,203.87 | -$413,995.60 |
| 127 | $301,112.03 | $1,388,847.20 | $0.00 | $993,988.71 | -$301,112.03 | -$394,858.49 |
| 128 | $279,853.21 | $1,381,199.62 | $0.00 | $1,005,615.30 | -$279,853.21 | -$375,584.31 |
| 129 | $258,426.09 | $1,373,491.49 | $0.00 | $1,017,319.41 | -$258,426.09 | -$356,172.08 |
| 130 | $236,829.34 | $1,365,722.34 | $0.00 | $1,029,101.53 | -$236,829.34 | -$336,620.81 |
| 131 | $215,061.61 | $1,357,891.68 | $0.00 | $1,040,962.21 | -$215,061.61 | -$316,929.47 |
| 132 | $193,121.56 | $1,349,999.04 | $0.00 | $1,052,901.96 | -$193,121.56 | -$297,097.08 |
| 133 | $171,007.82 | $1,342,043.91 | $0.00 | $1,064,921.31 | -$171,007.82 | -$277,122.60 |
| 134 | $148,719.00 | $1,334,025.80 | $0.00 | $1,077,020.78 | -$148,719.00 | -$257,005.01 |
| 135 | $126,253.74 | $1,325,944.21 | $0.00 | $1,089,200.92 | -$126,253.74 | -$236,743.29 |
| 136 | $103,610.62 | $1,317,798.64 | $0.00 | $1,101,462.26 | -$103,610.62 | -$216,336.39 |
| 137 | $80,788.25 | $1,309,588.59 | $0.00 | $1,113,805.34 | -$80,788.25 | -$195,783.25 |
| 138 | $57,785.20 | $1,301,313.55 | $0.00 | $1,126,230.71 | -$57,785.20 | -$175,082.84 |
| 139 | $34,600.04 | $1,292,972.99 | $0.00 | $1,138,738.91 | -$34,600.04 | -$154,234.07 |
| 140 | $11,231.34 | $1,284,566.40 | $0.00 | $1,151,330.51 | -$11,231.34 | -$133,235.89 |
| 141 | $0.00 | $1,276,093.26 | $5,000.00 | $1,164,006.04 | $5,000.00 | -$112,087.22 |
| 142 | $0.00 | $1,267,553.04 | $10,033.33 | $1,176,766.08 | $10,033.33 | -$90,786.96 |
| 143 | $0.00 | $1,258,945.21 | $15,100.22 | $1,189,611.19 | $15,100.22 | -$69,334.02 |
| 144 | $0.00 | $1,250,269.24 | $20,200.89 | $1,202,541.93 | $20,200.89 | -$47,727.31 |
| 145 | $0.00 | $1,241,524.58 | $25,335.56 | $1,215,558.88 | $25,335.56 | -$25,965.70 |
| 146 | $0.00 | $1,232,710.69 | $30,504.47 | $1,228,662.61 | $30,504.47 | -$4,048.09 |
| 147 | $0.00 | $1,223,827.03 | $35,707.83 | $1,241,853.69 | $35,707.83 | $18,026.66 |
| 148 | $0.00 | $1,214,873.03 | $40,945.88 | $1,255,132.71 | $40,945.88 | $40,259.68 |
| 149 | $0.00 | $1,205,848.16 | $46,218.85 | $1,268,500.27 | $46,218.85 | $62,652.11 |
| 150 | $0.00 | $1,196,751.83 | $51,526.98 | $1,281,956.93 | $51,526.98 | $85,205.10 |
| 151 | $0.00 | $1,187,583.49 | $56,870.49 | $1,295,503.31 | $56,870.49 | $107,919.82 |
| 152 | $0.00 | $1,178,342.57 | $62,249.63 | $1,309,140.00 | $62,249.63 | $130,797.43 |
| 153 | $0.00 | $1,169,028.49 | $67,664.63 | $1,322,867.60 | $67,664.63 | $153,839.11 |
| 154 | $0.00 | $1,159,640.68 | $73,115.73 | $1,336,686.72 | $73,115.73 | $177,046.04 |
| 155 | $0.00 | $1,150,178.54 | $78,603.16 | $1,350,597.96 | $78,603.16 | $200,419.42 |
| 156 | $0.00 | $1,140,641.50 | $84,127.18 | $1,364,601.95 | $84,127.18 | $223,960.45 |
| 157 | $0.00 | $1,131,028.95 | $89,688.03 | $1,378,699.30 | $89,688.03 | $247,670.34 |
| 158 | $0.00 | $1,121,340.31 | $95,285.95 | $1,392,890.63 | $95,285.95 | $271,550.32 |
| 159 | $0.00 | $1,111,574.96 | $100,921.19 | $1,407,176.56 | $100,921.19 | $295,601.60 |
| 160 | $0.00 | $1,101,732.31 | $106,594.00 | $1,421,557.74 | $106,594.00 | $319,825.43 |
| 161 | $0.00 | $1,091,811.73 | $112,304.63 | $1,436,034.79 | $112,304.63 | $344,223.06 |
| 162 | $0.00 | $1,081,812.62 | $118,053.32 | $1,450,608.36 | $118,053.32 | $368,795.74 |
| 163 | $0.00 | $1,071,734.34 | $123,840.35 | $1,465,279.08 | $123,840.35 | $393,544.74 |
| 164 | $0.00 | $1,061,576.28 | $129,665.95 | $1,480,047.61 | $129,665.95 | $418,471.32 |
| 165 | $0.00 | $1,051,337.80 | $135,530.39 | $1,494,914.59 | $135,530.39 | $443,576.79 |
| 166 | $0.00 | $1,041,018.27 | $141,433.92 | $1,509,880.69 | $141,433.92 | $468,862.42 |
| 167 | $0.00 | $1,030,617.04 | $147,376.82 | $1,524,946.56 | $147,376.82 | $494,329.52 |
| 168 | $0.00 | $1,020,133.47 | $153,359.33 | $1,540,112.87 | $153,359.33 | $519,979.40 |
| 169 | $0.00 | $1,009,566.90 | $159,381.72 | $1,555,380.29 | $159,381.72 | $545,813.39 |
| 170 | $0.00 | $998,916.68 | $165,444.27 | $1,570,749.49 | $165,444.27 | $571,832.81 |
| 171 | $0.00 | $988,182.15 | $171,547.23 | $1,586,221.15 | $171,547.23 | $598,039.00 |
| 172 | $0.00 | $977,362.64 | $177,690.88 | $1,601,795.96 | $177,690.88 | $624,433.33 |
| 173 | $0.00 | $966,457.47 | $183,875.49 | $1,617,474.60 | $183,875.49 | $651,017.14 |
| 174 | $0.00 | $955,465.96 | $190,101.32 | $1,633,257.77 | $190,101.32 | $677,791.80 |
| 175 | $0.00 | $944,387.45 | $196,368.66 | $1,649,146.15 | $196,368.66 | $704,758.70 |
| 176 | $0.00 | $933,221.22 | $202,677.79 | $1,665,140.46 | $202,677.79 | $731,919.24 |
| 177 | $0.00 | $921,966.60 | $209,028.97 | $1,681,241.39 | $209,028.97 | $759,274.79 |
| 178 | $0.00 | $910,622.88 | $215,422.50 | $1,697,449.67 | $215,422.50 | $786,826.79 |
| 179 | $0.00 | $899,189.35 | $221,858.65 | $1,713,766.00 | $221,858.65 | $814,576.65 |
| 180 | $0.00 | $887,665.31 | $228,337.71 | $1,730,191.11 | $228,337.71 | $842,525.80 |
| 181 | $0.00 | $876,050.04 | $234,859.96 | $1,746,725.72 | $234,859.96 | $870,675.68 |
| 182 | $0.00 | $864,342.81 | $241,425.69 | $1,763,370.55 | $241,425.69 | $899,027.74 |
| 183 | $0.00 | $852,542.90 | $248,035.20 | $1,780,126.36 | $248,035.20 | $927,583.46 |
| 184 | $0.00 | $840,649.57 | $254,688.77 | $1,796,993.87 | $254,688.77 | $956,344.29 |
| 185 | $0.00 | $828,662.09 | $261,386.69 | $1,813,973.83 | $261,386.69 | $985,311.73 |
| 186 | $0.00 | $816,579.71 | $268,129.27 | $1,831,066.98 | $268,129.27 | $1,014,487.27 |
| 187 | $0.00 | $804,401.68 | $274,916.80 | $1,848,274.10 | $274,916.80 | $1,043,872.42 |
| 188 | $0.00 | $792,127.23 | $281,749.58 | $1,865,595.92 | $281,749.58 | $1,073,468.69 |
| 189 | $0.00 | $779,755.62 | $288,627.91 | $1,883,033.23 | $288,627.91 | $1,103,277.61 |
| 190 | $0.00 | $767,286.06 | $295,552.09 | $1,900,586.79 | $295,552.09 | $1,133,300.73 |
| 191 | $0.00 | $754,717.78 | $302,522.44 | $1,918,257.36 | $302,522.44 | $1,163,539.58 |
| 192 | $0.00 | $742,050.01 | $309,539.26 | $1,936,045.75 | $309,539.26 | $1,193,995.74 |
| 193 | $0.00 | $729,281.95 | $316,602.85 | $1,953,952.72 | $316,602.85 | $1,224,670.77 |
| 194 | $0.00 | $716,412.80 | $323,713.54 | $1,971,979.07 | $323,713.54 | $1,255,566.27 |
| 195 | $0.00 | $703,441.78 | $330,871.63 | $1,990,125.60 | $330,871.63 | $1,286,683.81 |
| 196 | $0.00 | $690,368.07 | $338,077.44 | $2,008,393.10 | $338,077.44 | $1,318,025.03 |
| 197 | $0.00 | $677,190.86 | $345,331.29 | $2,026,782.39 | $345,331.29 | $1,349,591.53 |
| 198 | $0.00 | $663,909.33 | $352,633.50 | $2,045,294.27 | $352,633.50 | $1,381,384.94 |
| 199 | $0.00 | $650,522.66 | $359,984.39 | $2,063,929.57 | $359,984.39 | $1,413,406.91 |
| 200 | $0.00 | $637,030.01 | $367,384.28 | $2,082,689.10 | $367,384.28 | $1,445,659.09 |
| 201 | $0.00 | $623,430.54 | $374,833.51 | $2,101,573.69 | $374,833.51 | $1,478,143.15 |
| 202 | $0.00 | $609,723.40 | $382,332.40 | $2,120,584.18 | $382,332.40 | $1,510,860.78 |
| 203 | $0.00 | $595,907.76 | $389,881.28 | $2,139,721.41 | $389,881.28 | $1,543,813.65 |
| 204 | $0.00 | $581,982.74 | $397,480.49 | $2,158,986.22 | $397,480.49 | $1,577,003.48 |
| 205 | $0.00 | $567,947.48 | $405,130.36 | $2,178,379.46 | $405,130.36 | $1,610,431.98 |
| 206 | $0.00 | $553,801.10 | $412,831.23 | $2,197,901.99 | $412,831.23 | $1,644,100.89 |
| 207 | $0.00 | $539,542.74 | $420,583.44 | $2,217,554.67 | $420,583.44 | $1,678,011.93 |
| 208 | $0.00 | $525,171.49 | $428,387.33 | $2,237,338.37 | $428,387.33 | $1,712,166.87 |
| 209 | $0.00 | $510,686.48 | $436,243.24 | $2,257,253.96 | $436,243.24 | $1,746,567.48 |
| 210 | $0.00 | $496,086.79 | $444,151.53 | $2,277,302.32 | $444,151.53 | $1,781,215.53 |
| 211 | $0.00 | $481,371.52 | $452,112.54 | $2,297,484.33 | $452,112.54 | $1,816,112.81 |
| 212 | $0.00 | $466,539.75 | $460,126.63 | $2,317,800.89 | $460,126.63 | $1,851,261.14 |
| 213 | $0.00 | $451,590.57 | $468,194.14 | $2,338,252.90 | $468,194.14 | $1,886,662.33 |
| 214 | $0.00 | $436,523.04 | $476,315.43 | $2,358,841.25 | $476,315.43 | $1,922,318.22 |
| 215 | $0.00 | $421,336.22 | $484,490.87 | $2,379,566.86 | $484,490.87 | $1,958,230.64 |
| 216 | $0.00 | $406,029.18 | $492,720.81 | $2,400,430.64 | $492,720.81 | $1,994,401.46 |
| 217 | $0.00 | $390,600.95 | $501,005.61 | $2,421,433.51 | $501,005.61 | $2,030,832.56 |
| 218 | $0.00 | $375,050.58 | $509,345.65 | $2,442,576.40 | $509,345.65 | $2,067,525.82 |
| 219 | $0.00 | $359,377.11 | $517,741.29 | $2,463,860.24 | $517,741.29 | $2,104,483.13 |
| 220 | $0.00 | $343,579.56 | $526,192.89 | $2,485,285.98 | $526,192.89 | $2,141,706.42 |
| 221 | $0.00 | $327,656.94 | $534,700.85 | $2,506,854.55 | $534,700.85 | $2,179,197.62 |
| 222 | $0.00 | $311,608.26 | $543,265.52 | $2,528,566.92 | $543,265.52 | $2,216,958.65 |
| 223 | $0.00 | $295,432.54 | $551,887.29 | $2,550,424.03 | $551,887.29 | $2,254,991.49 |
| 224 | $0.00 | $279,128.76 | $560,566.54 | $2,572,426.86 | $560,566.54 | $2,293,298.10 |
| 225 | $0.00 | $262,695.90 | $569,303.65 | $2,594,576.37 | $569,303.65 | $2,331,880.47 |
| 226 | $0.00 | $246,132.95 | $578,099.01 | $2,616,873.54 | $578,099.01 | $2,370,740.59 |
| 227 | $0.00 | $229,438.88 | $586,953.00 | $2,639,319.37 | $586,953.00 | $2,409,880.49 |
| 228 | $0.00 | $212,612.65 | $595,866.02 | $2,661,914.83 | $595,866.02 | $2,449,302.18 |
| 229 | $0.00 | $195,653.21 | $604,838.46 | $2,684,660.93 | $604,838.46 | $2,489,007.72 |
| 230 | $0.00 | $178,559.51 | $613,870.72 | $2,707,558.67 | $613,870.72 | $2,528,999.16 |
| 231 | $0.00 | $161,330.48 | $622,963.19 | $2,730,609.06 | $622,963.19 | $2,569,278.58 |
| 232 | $0.00 | $143,965.05 | $632,116.28 | $2,753,813.12 | $632,116.28 | $2,609,848.06 |
| 233 | $0.00 | $126,462.15 | $641,330.38 | $2,777,171.87 | $641,330.38 | $2,650,709.72 |
| 234 | $0.00 | $108,820.69 | $650,605.92 | $2,800,686.35 | $650,605.92 | $2,691,865.66 |
| 235 | $0.00 | $91,039.56 | $659,943.29 | $2,824,357.60 | $659,943.29 | $2,733,318.03 |
| 236 | $0.00 | $73,117.67 | $669,342.91 | $2,848,186.65 | $669,342.91 | $2,775,068.98 |
| 237 | $0.00 | $55,053.89 | $678,805.20 | $2,872,174.56 | $678,805.20 | $2,817,120.66 |
| 238 | $0.00 | $36,847.11 | $688,330.57 | $2,896,322.39 | $688,330.57 | $2,859,475.27 |
| 239 | $0.00 | $18,496.20 | $697,919.44 | $2,920,631.20 | $697,919.44 | $2,902,135.01 |
| 240 | $0.00 | $0.00 | $707,572.24 | $2,945,102.08 | $707,572.24 | $2,945,102.08 |
Aviso
Simulación orientativa: la tasa de inversión es un supuesto, no una promesa de rendimiento. No considera impuestos, comisiones ni riesgo de mercado. No sustituye asesoría financiera.