¿Cómo puede tu hij@ disponer de más de 80.000€ al cumplir 30 años?
¿Te imaginas haber llegado a los 30 años de edad y, de repente, disponer de más de 80.000€ para hacer con ellos lo que te parezca?
Si no ha sido tu caso y tienes hijos, es fácil que ellos vivan esa experiencia, te cuento cómo.
¿Te imaginas haber llegado a los 30 años de edad y, de repente, disponer de más de 80.000€ para hacer con ellos lo que te parezca?
Si no ha sido tu caso y tienes hijos, es fácil que ellos vivan esa experiencia, te cuento cómo.
Realizando aportaciones periódicas de 100€ al mes a un producto que tenga una rentabilidad del 5% durante los 30 años.
De esta manera, gracias al interés compuesto, los intereses que se vayan percibiendo anualmente a lo largo de los años se van reinvirtiendo, por lo que al año siguiente la rentabilidad que se obtiene se calcula sobre el capital aportado hasta el momento (que supongo constante a lo largo de los 30 años y de 100€ al mes) más la suma de todos los intereses de años anteriores.
Al cumplir los 18 años de edad tú habrás aportado en total 21.600€, y ese año los intereses que reportaría ese instrumento son de 1.688€, pero tu hij@ tendría en total 35.447€.
La clave es mantener a lo largo de los años ese instrumento sin tocarlo, de manera que se sigan aportando 100€ al mes.
A partir de esa edad puedes incluir a tu hij@ para que se encargue de parte de las aportaciones o de la totalidad de ellas, enseñándole además a administrar su propio patrimonio, conformado, al menos, de este instrumento financiero, que puede ser, por ejemplo, un fondo de inversión cuya rentabilidad sea del 5%.
Si continuáis aportando 100€ todos los meses, cuando cumpla 30 años habréis aportado un total de 36.000€, ese año el fondo de inversión rendiría unos intereses de casi 4.000€ y la cantidad que el fondo tendría es de casi 84.000€, debido al razonamiento mencionado del interés compuesto.
En la gráfica siguiente muestro la evolución del instrumento financiero suponiendo que no existe actualización del dinero, es decir, que los precios se mantienen constantes a lo largo del tiempo, que la rentabilidad es del 5% durante toda la vida del producto y que se aportan 100€ todos los meses durante 30 años.
Realizando aportaciones periódicas de 100€ al mes a un producto que tenga una rentabilidad del 5% durante los 30 años.
Aunque no tengas hij@s, también se trata de una estrategia que puedes utilizar para ti mismo, y al cabo de 20 años, encontrarte la situación que he descrito al principio del artículo.
Según una encuesta realizada por Ameritrade, un ‘broker’ estadounidense, casi la mitad de los ‘centennials’, lo que se conoce como la generación Z, es decir, los adultos del futuro que han nacido a partir del año 2000, están preocupados por sus préstamos para la universidad, el 39% por no poder contar con Seguridad Social y al 31% le preocupa el ahorro para la jubilación.
Si te ha gustado, por favor, ¡compártelo y sígueme en las redes!
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