REMUNERACIN COMISIN SOBRE REMUNERACIN Y COMISIN SOBRE SALDO

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%

S/. 100.00 S/. 12.20

REMUNERACIN COMISION SOBRE EL SALDO CON PERIODO DE

S/. 1,000.00 TRANSICION MIXTA
Es la prima de seguro de
Es el aporte invalidez. sobrevivencia
obligatorio por y gastos de sepelio
comisin mi fondo de
1.22%
pensiones
sobre el 10%
saldo
S/. 100.00 S/. 12.20
FONDO acumulado
AOS apartir de
abril del 2013
15
RENTABILIDAD S/. 40,000.00 FONDO MENSUAL
8% S/. 100.00

FONDO RENTABILIDAD
FONDO ANUAL 8%
S/. 1,200.00 S/. 96.00

RESUMEN MENSUAL Y ANUAL

FONDO GENERADO + RENTABILIDA
comision COMISIN
de flujo,el MENSUAL ANUAL MENSUAL
actual S/. 129.60 S/. 1,555.20 S/. 100.00

S/. 7.25

comisin FONDO GENERADO + RENTABILIDA

sobre el COMISIN
saldo
comisin
sobre el
saldo
MENSUAL ANUAL MENSUAL
S/. 127.70 S/. 1,547.95 S/. 100.00

REALIZADO POR: Yoshimar Santi Vasquez

ESPECIALIDAD:Especialista en Excel Empresarial
FECHA: 31/03/2013
CORREO: kendyoshi@gmail.com
 FONDO MENSUAL
FONDO S/. 100.00
Es la comicion pagada
a la AFP
1.74% FONDO ANUAL
S/. 1,200.00

COMISIN
MENSUAL
S/. 17.40 = S/. 129.60

Es la comicion pagada
a la AFP
1.20%
1.55% de comisin anual sobre el fondo quese acumule
apartir de abril de 2013

S/. 15.50
MENSUAL
= S/. 127.70
 ANUAL = S/. 1,532.40

FONDO ANUAL+ RENT COMISIN S/. 1,547.95

S/. 1,296.00 ANUAL

NERADO + RENTABILIDAD 8%
AOS AOS
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%
AOS AOS
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

l sobre el fondo quese acumule

13
 S/. 15.55

AL+ RENTABILIDAD
AL+ RENTABILIDAD
 ANLISIS CUANTITATIVO DE LA
REMUNERACIN
S/. 1,000.00 MENSUAL ANUAL
S/. 129.60 S/. 1,555.20

PARA MI FONDO APARTIR DE ABRIL 2013

comision
de flujo,el
actual MENSUAL ANUAL
S/. 100.00 S/. 1,200.00

1 AO
2 AO
3 AO
4 AO
5 AO
6 AO
7 AO
8 AO
9 AO
10 AO
 PARA MI FONDO APARTIR DE ABRIL 2013
REMUNERACIN AUMENTO DE LA
S/. 1,000.00 RENTABILIDAD
CADA AO
comisin
sobre el 0.40%
saldo
1 AO
2 AO
3 AO
4 AO
5 AO
 6 AO
7 AO
8 AO
9 AO
10 AO

AOS
15
S/. 40,000.00
15 AOS
S/. 39,012.36
VO DE LAS COMISIONES DURANTE 10 AO

AOS
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 GENERADO10 AOS

MENSUAL ANUAL
S/. 100.00 S/. 1,200.00

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 GENERADO EN 10 AO

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 AOS

S/. 15,552.00

FONDO +RENTABILIDAD COMISION PAGADA A LA AFP

S/. 1,296.00 S/. -1,555.20

S/. 2,695.68 S/. -3,110.40
S/. 4,207.33 S/. -4,665.60
S/. 5,839.92 S/. -6,220.80
S/. 7,603.11 S/. -7,776.00
S/. 9,507.36 S/. -9,331.20
S/. 11,563.95 S/. -10,886.40
S/. 13,785.07 S/. -12,441.60
S/. 16,183.87 S/. -13,996.80
S/. 18,774.58 S/. -15,552.00

ENERADO10 AOS

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 AOS
S/. 18,950.38

15
AOS FONDO +
RENTABILIDAD

S/. 43,200.00 1 AO
S/. 46,656.00 2 AO
S/. 50,388.48 3 AO
S/. 54,419.56 4 AO
S/. 58,773.12 5 AO
S/. 63,474.97 6 AO
S/. 68,552.97 7 AO
S/. 74,037.21 8 AO
S/. 79,960.19 9 AO
S/. 86,357.00 10 AO

AOS 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%
 AOS
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

TOTAL DURANTE 10 AOS

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
AOS

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

FONDO QUE GENERA DE MI 15

sobre el COMISIN TOTAL
le a PAGADA A LA AFP S/. 15,503.97
13 DURANTE LOS COMISIN PAGADA A LA AFP SOBRE LA
10 AOS 1.55% QUE IRA DISMINUYENDO

S/. 1,547.95
S/. 1,544.20
S/. 1,542.06
S/. 1,541.81 10
S/. 1,542.41
AOS
 10
S/. 1,544.71
AOS
S/. 1,548.84
S/. 1,554.96
S/. 1,563.23
S/. 1,573.80

10 AOS
S/. 15,503.97

25
AOS FONDO +
RENTABILIDAD PAGO TOAL A LAS AFP

S/. 44,496.00 S/. -24,875.95

S/. 49,361.66 S/. -24,872.20
S/. 54,637.84 S/. -24,870.06
S/. 60,370.26 S/. -24,869.81
S/. 66,495.88 S/. -24,870.41
S/. 73,111.55 S/. -24,872.71
S/. 80,256.48 S/. -24,876.84
S/. 87,973.00 S/. -24,882.96
S/. 96,306.84 S/. -24,891.23
S/. 105,307.38 S/. -24,901.80

25

AOS FONDO +
RENTABILIDAD PAGO TOAL A LAS AFP
S/. 105,307.38 S/. 24,901.80
 15 AOS +
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

AOS ANTERIORES

S/. 86,357.00
OMISIN 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/. -

COMISION PAGADA AFP

15
AOS ANTES
S/. 23,328.00

S/. -23,328.00
 FONDO

1 AO S/. 41,200.00
2 AO S/. 45,696.00
3 AO S/. 50,551.68
4 AO S/. 55,795.81
5 AO S/. 61,459.48
6 AO S/. 67,576.24
7 AO S/. 74,182.34
8 AO S/. 81,316.92
9 AO S/. 89,022.28
10 AO S/. 97,344.06

FONDO NETO

S/. 105,131.58
 FONDO
S/. 97,344.06

0.172%
1
2
3
4
5
6
7
8
9
 25
AOS 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

NETO AOS FONDO +

RENTABILIDAD RENTABILIDAD
S/. 7,787.52 S/. 105,131.58

RESUMEN EN 10 AOS

comision
de flujo,el
actual
|1

comisin
sobre el saldo
 COMISION PAGADA AFP
15
AOS ANTES
S/. 23,328.00

PAGO TOAL A LAS AFP

S/. -23,328.00
S/. -24,883.20
S/. -26,438.40
S/. -27,993.60
S/. -29,548.80
S/. -31,104.00
S/. -32,659.20
S/. -34,214.40
S/. -35,769.60
S/. -37,324.80
S/. -38,880.00
 PAGO TOAL A LAS AFP
S/. 38,880.00

EN 10 AOS

COMISIN
10 AOS
S/. 15,552.00

COMISIN
10 AOS
S/. 15,503.97
FONDO GENERADO10 AOS
S/. 18,774.58

FONDO NETO 25 AOS S/. 105,131.58

FONDO GENERADO10 AOS

S/. 18,950.38

FONDO NETO 25 AOS S/. 105,307.38

FONDO QUE GENERA DE MIS 15
S/. 86,357.00

FONDO QUE GENERA DE MIS 15

S/. 86,357.00
 S/. 120

S/. 100

S/. 80

S/. 60
SOLES

S/. 40

S/. 20

S/. -20
 S/. -20

S/. -40

S/. -60

S/. 120,000.

AOS ANTERIORES
S/. 100,000.

S/. 80,000.

AOS 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.
 COMISIN SOBRE
LA REMUNERACIN
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

S/. -
0 2 4 6 8 1

S/. -20,000.00
 S/. -
0 2 4 6 8 1

S/. -20,000.00

S/. -37,324.80
S/. -40,000.00

S/. -60,000.00

AOS

COMISIN SOBRE SALDO CON

PERIODO TRANSITORIO

S/. 120,000.00

S/. 105,307.38

S/. 100,000.00 S/.

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

AOS
 S/. 105,131.58
S/. 97,344.06

S/. 7,787.52

8 10 12
 S/. 7,787.52

8 10 12

S/. -37,324.80

comision
de flujo,el
actual

comisin
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

NETO FONDO RENTABILIDAD

S/. 97,506.84 S/. 7,800.55
 25
AOS FONDO +

RENTABILIDAD PAGO TOAL A LAS AFP

S/. 105,131.58 S/. 38,880.00

25

AOS FONDO +

RENTABILIDAD PAGO TOAL A LAS AFP

S/. 105,307.38 S/. 24,901.80