5 Me gusta
Como curiosidad, y sin que sirva de precedente:
- He comprado en 4 ocasiones FundSmith.
- He vendido ya en 7 ocasiones.
- Todavía son participaciones de la primera compra.
A pesar de que cada vez tengo menos participaciones, el valor de las que quedan, es superior al importe de todas las compras.
Se pueden tener menos participaciones a la vez que más capital. 
Nota: No solo estoy sacando de FundSmith para vivir. El año pasado trabajé un mes.
9 Me gusta
No puede ser. Te estás descapitalizando.
8 Me gusta
Trabajar un mes es bonito…
1 me gusta
Yo de momento trabajo un mes al mes.
23 Me gusta
No mientas, acaso no haces vacaciones.
1 me gusta
No. Soy autónomo 
3 Me gusta
Eso es lo importante. 
2 Me gusta
Uf! Perdóname.
1 me gusta
He hecho una simulación de “cuñado “con el fondo Fidelity MSCI y me daba más valor final (hasta el 2022) aún habiendo vendido el 4% de las participaciones de los 3 años anteriores. Menos participaciones tenían más valor 3 años después aún habiendo aplicado la regla del 4%. El 2023 ya cambió pero se mantiene muy cerca del valor inicial. Por eso cuando dicen que cuando vendes participaciones, te descapitalizas se me escapa una sonrisilla y pienso para mí :” lo que UD. diga, caballero”. Un saludo.
7 Me gusta
Que te descapitalices o no dependerá de si sacas más o menos que lo que se revaloriza . No hay otra.
Hay el mismo problema si saco un 10% pero cada año sube un 20% que si saco un 1% y cada año sube un 2%, ninguno.
4 Me gusta
Te descapitalizas un huevo. Mira si hubieses comprado en el 77 3000 acciones de Brekshire a 100 dolares para que con tu regla del 4% obtener una renta de unos 12.000 dolares al año (de 1977) hubiese pasado esto:
| Año | Acciones tengo | Precio final | Total a 31 Diciembre | Acciones Vendo | Renta que saco |
|---|---|---|---|---|---|
| 1977 | 3,000 | 138 | 414,000 | 120 | 16,560 |
| 1978 | 2,880 | 157 | 452,160 | 116 | 18,212 |
| 1979 | 2,764 | 320 | 884,480 | 111 | 35,520 |
| 1980 | 2,653 | 425 | 1,127,525 | 107 | 45,475 |
| 1981 | 2,546 | 560 | 1,425,760 | 102 | 57,120 |
| 1982 | 2,444 | 775 | 1,894,100 | 98 | 75,950 |
| 1983 | 2,346 | 1,310 | 3,073,260 | 94 | 123,140 |
| 1984 | 2,252 | 1,275 | 2,871,300 | 91 | 116,025 |
| 1985 | 2,161 | 2,470 | 5,337,670 | 87 | 214,890 |
| 1986 | 2,074 | 2,820 | 5,848,680 | 83 | 234,060 |
| 1987 | 1,991 | 2,950 | 5,873,450 | 80 | 236,000 |
| 1988 | 1,911 | 4,700 | 8,981,700 | 77 | 361,900 |
| 1989 | 1,834 | 8,675 | 15,909,950 | 74 | 641,950 |
| 1990 | 1,760 | 6,675 | 11,748,000 | 71 | 473,925 |
| 1991 | 1,689 | 9,050 | 15,285,450 | 68 | 615,400 |
| 1992 | 1,621 | 11,750 | 19,046,750 | 65 | 763,750 |
| 1993 | 1,556 | 16,325 | 25,401,700 | 63 | 1,028,475 |
| 1994 | 1,493 | 20,400 | 30,457,200 | 60 | 1,224,000 |
| 1995 | 1,433 | 32,100 | 45,999,300 | 58 | 1,861,800 |
| 1996 | 1,375 | 34,100 | 46,887,500 | 55 | 1,875,500 |
| 1997 | 1,320 | 46,000 | 60,720,000 | 53 | 2,438,000 |
| 1998 | 1,267 | 70,000 | 88,690,000 | 51 | 3,570,000 |
| 1999 | 1,216 | 56,100 | 68,217,600 | 49 | 2,748,900 |
| 2000 | 1,167 | 71,000 | 82,857,000 | 47 | 3,337,000 |
| 2001 | 1,120 | 75,600 | 84,672,000 | 45 | 3,402,000 |
| 2002 | 1,075 | 72,750 | 78,206,250 | 43 | 3,128,250 |
| 2003 | 1,032 | 84,250 | 86,946,000 | 42 | 3,538,500 |
| 2004 | 990 | 87,900 | 87,021,000 | 40 | 3,516,000 |
| 2005 | 950 | 88,620 | 84,189,000 | 38 | 3,367,560 |
| 2006 | 912 | 109,990 | 100,310,880 | 37 | 4,069,630 |
| 2007 | 875 | 141,600 | 123,900,000 | 35 | 4,956,000 |
| 2008 | 840 | 96,600 | 81,144,000 | 34 | 3,284,400 |
| 2009 | 806 | 99,200 | 79,955,200 | 33 | 3,273,600 |
| 2010 | 773 | 120,450 | 93,107,850 | 31 | 3,733,950 |
| 2011 | 742 | 114,755 | 85,148,210 | 30 | 3,442,650 |
| 2012 | 712 | 134,060 | 95,450,720 | 29 | 3,887,740 |
| 2013 | 683 | 177,900 | 121,505,700 | 28 | 4,981,200 |
| 2014 | 655 | 226,000 | 148,030,000 | 27 | 6,102,000 |
| 2015 | 628 | 197,800 | 124,218,400 | 26 | 5,142,800 |
| 2016 | 602 | 244,121 | 146,960,842 | 25 | 6,103,025 |
| 2017 | 577 | 297,600 | 171,715,200 | 24 | 7,142,400 |
| 2018 | 553 | 306,000 | 169,218,000 | 23 | 7,038,000 |
| 2019 | 530 | 339,590 | 179,982,700 | 22 | 7,470,980 |
| 2020 | 508 | 347,815 | 176,690,020 | 21 | 7,304,115 |
| 2021 | 487 | 450,662 | 219,472,394 | 20 | 9,013,240 |
| 2022 | 467 | 468,711 | 218,888,037 | 19 | 8,905,509 |
| 2023 | 448 | 491,500 | 220,192,000 | 18 | 8,847,000 |
¿No lo ves? Te estás descapitalizando. ¡Pero si está clarísimo! Empezaste con 3000 acciones y ahora tienes tan solo 448. A ese ritmo acabarías sin nada en unos cuantos años. 0. Bancarrota. Mwahahahaha! Chupate esa @ifrobertocarlos! ¡Jaque mate!
12 Me gusta
Estas vendiendo el 4% de las acciones
La regla del 4% es sobre el capital
Pero tu ejemplo es más pedagógico para ver la “descapitalización”
3 Me gusta
Un huevo no, al 4% anualmente. 
. Ni más ni menos.
Si a una cantidad “X” le quitas “Y”% anualmente, “X” tiende a 0 “SIEMPRE”. (Siendo “X” e “Y” positivas, no me la metáis doblada que solo soy FP).
Que hasta tu excel alguien pensara lo contrario me hace dudar aún más de la educación pública.
La inflación desde 1.977 fue del 3,56% de media (Noticia, el USD pierde valor con el tiempo, o sea, tiende a 0. Ojo con ahorrar en USD. Noticia 2, al EUR le pasa lo mismo o peor).
Adjunto tabla de lo que se debería sacar año a año para tener el mismo poder adquisitivo (voy añadiendo el 3,56%)
| Renta que saco | INFLACIÓN |
|---|---|
| 16.560 | 16.560 |
| 18.086 | 17.150 |
| 35.389 | 17.760 |
| 45.122 | 18.392 |
| 57.076 | 19.047 |
| 75.830 | 19.725 |
| 123.050 | 20.427 |
| 114.971 | 21.155 |
| 213.820 | 21.908 |
| 234.354 | 22.688 |
| 235.351 | 23.495 |
| 359.967 | 24.332 |
| 637.831 | 25.198 |
| 471.149 | 26.095 |
| 613.235 | 27.024 |
| 764.342 | 27.986 |
| 1.019.469 | 28.982 |
| 1.222.989 | 30.014 |
| 1.847.432 | 31.083 |
| 1.884.035 | 32.189 |
| 2.439.853 | 33.335 |
| 3.564.308 | 34.522 |
| 2.742.276 | 35.751 |
| 3.331.793 | 37.023 |
| 3.405.749 | 38.342 |
| 3.146.263 | 39.706 |
| 3.497.866 | 41.120 |
| 3.503.430 | 42.584 |
| 3.390.842 | 44.100 |
| 4.040.175 | 45.670 |
| 4.993.229 | 47.296 |
| 3.270.142 | 48.979 |
| 3.223.832 | 50.723 |
| 3.757.844 | 52.529 |
| 3.436.962 | 54.399 |
| 3.854.549 | 56.335 |
| 4.910.453 | 58.341 |
| 5.988.600 | 60.418 |
| 5.031.696 | 62.569 |
| 5.961.623 | 64.796 |
| 6.976.916 | 67.103 |
| 6.886.891 | 69.492 |
| 7.337.159 | 71.966 |
| 7.214.273 | 74.528 |
| 8.973.594 | 77.181 |
| 8.959.667 | 79.929 |
| 9.019.480 | 82.774 |
Para vivir “igual” solo necesito vender 82.774$, pero bueno, si saco 9.000.000$ parece que me descapitalizo. … y vivo de puta madre por cierto.
Siguiendo la lógica de tú tabla y suponiendo que a partir de ahora (2.023) Berkshire solo sube un 3,5% anual y sigo sacando un 4% de acciones, a los 222 años tendría un capital de 81M$ y sacaría 3,2M$ anualmente, que si seguimos con la inflación del 3,56% no daría ni para pipas, pero oye, es tú lógica. 
.
NOTA: en la tabla uso decimales. Existe Berkshire B.
| Año | Acciones tengo | Precio final | Total a 31 Diciembre | Acciones Vendo | Renta que saco | |
|---|---|---|---|---|---|---|
| 1 | 1977 | 3.000 | 138 | 414.000 | 120 | 16.560 |
| 2 | 1978 | 2.880 | 157 | 452.160 | 115 | 18.086 |
| 3 | 1979 | 2.765 | 320 | 884.736 | 111 | 35.389 |
| 4 | 1980 | 2.654 | 425 | 1.128.038 | 106 | 45.122 |
| 5 | 1981 | 2.548 | 560 | 1.426.902 | 102 | 57.076 |
| 6 | 1982 | 2.446 | 775 | 1.895.742 | 98 | 75.830 |
| 7 | 1983 | 2.348 | 1.310 | 3.076.238 | 94 | 123.050 |
| 8 | 1984 | 2.254 | 1.275 | 2.874.287 | 90 | 114.971 |
| 9 | 1985 | 2.164 | 2.470 | 5.345.497 | 87 | 213.820 |
| 10 | 1986 | 2.078 | 2.820 | 5.858.838 | 83 | 234.354 |
| 11 | 1987 | 1.994 | 2.950 | 5.883.769 | 80 | 235.351 |
| 12 | 1988 | 1.915 | 4.700 | 8.999.175 | 77 | 359.967 |
| 13 | 1989 | 1.838 | 8.675 | 15.945.771 | 74 | 637.831 |
| 14 | 1990 | 1.765 | 6.675 | 11.778.732 | 71 | 471.149 |
| 15 | 1991 | 1.694 | 9.050 | 15.330.880 | 68 | 613.235 |
| 16 | 1992 | 1.626 | 11.750 | 19.108.545 | 65 | 764.342 |
| 17 | 1993 | 1.561 | 16.325 | 25.486.733 | 62 | 1.019.469 |
| 18 | 1994 | 1.499 | 20.400 | 30.574.713 | 60 | 1.222.989 |
| 19 | 1995 | 1.439 | 32.100 | 46.185.801 | 58 | 1.847.432 |
| 20 | 1996 | 1.381 | 34.100 | 47.100.884 | 55 | 1.884.035 |
| 21 | 1997 | 1.326 | 46.000 | 60.996.336 | 53 | 2.439.853 |
| 22 | 1998 | 1.273 | 70.000 | 89.107.691 | 51 | 3.564.308 |
| 23 | 1999 | 1.222 | 56.100 | 68.556.911 | 49 | 2.742.276 |
| 24 | 2000 | 1.173 | 71.000 | 83.294.814 | 47 | 3.331.793 |
| 25 | 2001 | 1.126 | 75.600 | 85.143.724 | 45 | 3.405.749 |
| 26 | 2002 | 1.081 | 72.750 | 78.656.583 | 43 | 3.146.263 |
| 27 | 2003 | 1.038 | 84.250 | 87.446.659 | 42 | 3.497.866 |
| 28 | 2004 | 996 | 87.900 | 87.585.744 | 40 | 3.503.430 |
| 29 | 2005 | 957 | 88.620 | 84.771.043 | 38 | 3.390.842 |
| 30 | 2006 | 918 | 109.990 | 101.004.382 | 37 | 4.040.175 |
| 31 | 2007 | 882 | 141.600 | 124.830.727 | 35 | 4.993.229 |
| 32 | 2008 | 846 | 96.600 | 81.753.547 | 34 | 3.270.142 |
| 33 | 2009 | 812 | 99.200 | 80.595.795 | 32 | 3.223.832 |
| 34 | 2010 | 780 | 120.450 | 93.946.099 | 31 | 3.757.844 |
| 35 | 2011 | 749 | 114.755 | 85.924.061 | 30 | 3.436.962 |
| 36 | 2012 | 719 | 134.060 | 96.363.735 | 29 | 3.854.549 |
| 37 | 2013 | 690 | 177.900 | 122.761.332 | 28 | 4.910.453 |
| 38 | 2014 | 662 | 226.000 | 149.715.001 | 26 | 5.988.600 |
| 39 | 2015 | 636 | 197.800 | 125.792.398 | 25 | 5.031.696 |
| 40 | 2016 | 611 | 244.121 | 149.040.563 | 24 | 5.961.623 |
| 41 | 2017 | 586 | 297.600 | 174.422.900 | 23 | 6.976.916 |
| 42 | 2018 | 563 | 306.000 | 172.172.282 | 23 | 6.886.891 |
| 43 | 2019 | 540 | 339.590 | 183.428.973 | 22 | 7.337.159 |
| 44 | 2020 | 519 | 347.815 | 180.356.826 | 21 | 7.214.273 |
| 45 | 2021 | 498 | 450.662 | 224.339.862 | 20 | 8.973.594 |
| 46 | 2022 | 478 | 468.711 | 223.991.680 | 19 | 8.959.667 |
| 47 | 2023 | 459 | 491.500 | 225.486.994 | 18 | 9.019.480 |
| 48 | 2024 | 440 | 508.997 | 224.173.758 | 18 | 8.966.950 |
| 49 | 2025 | 423 | 527.118 | 222.868.170 | 17 | 8.914.727 |
| 50 | 2026 | 406 | 545.883 | 221.570.185 | 16 | 8.862.807 |
| 51 | 2027 | 390 | 565.317 | 220.279.761 | 16 | 8.811.190 |
| 52 | 2028 | 374 | 585.442 | 218.996.851 | 15 | 8.759.874 |
| 53 | 2029 | 359 | 606.284 | 217.721.414 | 14 | 8.708.857 |
| 54 | 2030 | 345 | 627.867 | 216.453.404 | 14 | 8.658.136 |
| 55 | 2031 | 331 | 650.219 | 215.192.780 | 13 | 8.607.711 |
| 56 | 2032 | 318 | 673.367 | 213.939.497 | 13 | 8.557.580 |
| 57 | 2033 | 305 | 697.339 | 212.693.513 | 12 | 8.507.741 |
| 58 | 2034 | 293 | 722.164 | 211.454.786 | 12 | 8.458.191 |
| 59 | 2035 | 281 | 747.873 | 210.223.273 | 11 | 8.408.931 |
| 60 | 2036 | 270 | 774.498 | 208.998.933 | 11 | 8.359.957 |
| 61 | 2037 | 259 | 802.070 | 207.781.723 | 10 | 8.311.269 |
| 62 | 2038 | 249 | 830.623 | 206.571.603 | 10 | 8.262.864 |
| 63 | 2039 | 239 | 860.194 | 205.368.530 | 10 | 8.214.741 |
| 64 | 2040 | 229 | 890.816 | 204.172.463 | 9 | 8.166.899 |
| 65 | 2041 | 220 | 922.530 | 202.983.363 | 9 | 8.119.335 |
| 66 | 2042 | 211 | 955.372 | 201.801.188 | 8 | 8.072.048 |
| 67 | 2043 | 203 | 989.383 | 200.625.898 | 8 | 8.025.036 |
| 68 | 2044 | 195 | 1.024.605 | 199.457.452 | 8 | 7.978.298 |
| 69 | 2045 | 187 | 1.061.081 | 198.295.812 | 7 | 7.931.832 |
| 70 | 2046 | 179 | 1.098.855 | 197.140.937 | 7 | 7.885.637 |
| 71 | 2047 | 172 | 1.137.974 | 195.992.789 | 7 | 7.839.712 |
| 72 | 2048 | 165 | 1.178.486 | 194.851.327 | 7 | 7.794.053 |
| 73 | 2049 | 159 | 1.220.440 | 193.716.512 | 6 | 7.748.660 |
| 74 | 2050 | 152 | 1.263.888 | 192.588.307 | 6 | 7.703.532 |
| 75 | 2051 | 146 | 1.308.883 | 191.466.673 | 6 | 7.658.667 |
| 76 | 2052 | 140 | 1.355.479 | 190.351.571 | 6 | 7.614.063 |
| 77 | 2053 | 135 | 1.403.734 | 189.242.964 | 5 | 7.569.719 |
| 78 | 2054 | 129 | 1.453.707 | 188.140.813 | 5 | 7.525.633 |
| 79 | 2055 | 124 | 1.505.459 | 187.045.081 | 5 | 7.481.803 |
| 80 | 2056 | 119 | 1.559.053 | 185.955.730 | 5 | 7.438.229 |
| 81 | 2057 | 115 | 1.614.555 | 184.872.724 | 5 | 7.394.909 |
| 82 | 2058 | 110 | 1.672.034 | 183.796.025 | 4 | 7.351.841 |
| 83 | 2059 | 106 | 1.731.558 | 182.725.597 | 4 | 7.309.024 |
| 84 | 2060 | 101 | 1.793.201 | 181.661.403 | 4 | 7.266.456 |
| 85 | 2061 | 97 | 1.857.039 | 180.603.407 | 4 | 7.224.136 |
| 86 | 2062 | 93 | 1.923.150 | 179.551.573 | 4 | 7.182.063 |
| 87 | 2063 | 90 | 1.991.614 | 178.505.865 | 4 | 7.140.235 |
| 88 | 2064 | 86 | 2.062.516 | 177.466.246 | 3 | 7.098.650 |
| 89 | 2065 | 83 | 2.135.941 | 176.432.683 | 3 | 7.057.307 |
| 90 | 2066 | 79 | 2.211.981 | 175.405.139 | 3 | 7.016.206 |
| 91 | 2067 | 76 | 2.290.727 | 174.383.580 | 3 | 6.975.343 |
| 92 | 2068 | 73 | 2.372.277 | 173.367.970 | 3 | 6.934.719 |
| 93 | 2069 | 70 | 2.456.730 | 172.358.274 | 3 | 6.894.331 |
| 94 | 2070 | 67 | 2.544.190 | 171.354.460 | 3 | 6.854.178 |
| 95 | 2071 | 65 | 2.634.763 | 170.356.492 | 3 | 6.814.260 |
| 96 | 2072 | 62 | 2.728.560 | 169.364.335 | 2 | 6.774.573 |
| 97 | 2073 | 60 | 2.825.697 | 168.377.957 | 2 | 6.735.118 |
| 98 | 2074 | 57 | 2.926.292 | 167.397.324 | 2 | 6.695.893 |
| 99 | 2075 | 55 | 3.030.468 | 166.422.402 | 2 | 6.656.896 |
| 100 | 2076 | 53 | 3.138.353 | 165.453.158 | 2 | 6.618.126 |
| 101 | 2077 | 51 | 3.250.078 | 164.489.559 | 2 | 6.579.582 |
| 102 | 2078 | 49 | 3.365.781 | 163.531.572 | 2 | 6.541.263 |
| 103 | 2079 | 47 | 3.485.603 | 162.579.164 | 2 | 6.503.167 |
| 104 | 2080 | 45 | 3.609.690 | 161.632.303 | 2 | 6.465.292 |
| 105 | 2081 | 43 | 3.738.195 | 160.690.956 | 2 | 6.427.638 |
| 106 | 2082 | 41 | 3.871.275 | 159.755.092 | 2 | 6.390.204 |
| 107 | 2083 | 40 | 4.009.092 | 158.824.678 | 2 | 6.352.987 |
| 108 | 2084 | 38 | 4.151.816 | 157.899.684 | 2 | 6.315.987 |
| 109 | 2085 | 37 | 4.299.620 | 156.980.076 | 1 | 6.279.203 |
| 110 | 2086 | 35 | 4.452.687 | 156.065.824 | 1 | 6.242.633 |
| 111 | 2087 | 34 | 4.611.203 | 155.156.896 | 1 | 6.206.276 |
| 112 | 2088 | 32 | 4.775.361 | 154.253.263 | 1 | 6.170.131 |
| 113 | 2089 | 31 | 4.945.364 | 153.354.892 | 1 | 6.134.196 |
| 114 | 2090 | 30 | 5.121.419 | 152.461.753 | 1 | 6.098.470 |
| 115 | 2091 | 29 | 5.303.742 | 151.573.816 | 1 | 6.062.953 |
| 116 | 2092 | 27 | 5.492.555 | 150.691.050 | 1 | 6.027.642 |
| 117 | 2093 | 26 | 5.688.090 | 149.813.425 | 1 | 5.992.537 |
| 118 | 2094 | 25 | 5.890.586 | 148.940.912 | 1 | 5.957.636 |
| 119 | 2095 | 24 | 6.100.291 | 148.073.480 | 1 | 5.922.939 |
| 120 | 2096 | 23 | 6.317.461 | 147.211.100 | 1 | 5.888.444 |
| 121 | 2097 | 22 | 6.542.363 | 146.353.742 | 1 | 5.854.150 |
| 122 | 2098 | 21 | 6.775.271 | 145.501.378 | 1 | 5.820.055 |
| 123 | 2099 | 21 | 7.016.470 | 144.653.978 | 1 | 5.786.159 |
| 124 | 2100 | 20 | 7.266.257 | 143.811.513 | 1 | 5.752.461 |
| 125 | 2101 | 19 | 7.524.935 | 142.973.955 | 1 | 5.718.958 |
| 126 | 2102 | 18 | 7.792.823 | 142.141.275 | 1 | 5.685.651 |
| 127 | 2103 | 18 | 8.070.248 | 141.313.444 | 1 | 5.652.538 |
| 128 | 2104 | 17 | 8.357.548 | 140.490.435 | 1 | 5.619.617 |
| 129 | 2105 | 16 | 8.655.077 | 139.672.218 | 1 | 5.586.889 |
| 130 | 2106 | 15 | 8.963.198 | 138.858.767 | 1 | 5.554.351 |
| 131 | 2107 | 15 | 9.282.288 | 138.050.054 | 1 | 5.522.002 |
| 132 | 2108 | 14 | 9.612.737 | 137.246.050 | 1 | 5.489.842 |
| 133 | 2109 | 14 | 9.954.951 | 136.446.729 | 1 | 5.457.869 |
| 134 | 2110 | 13 | 10.309.347 | 135.652.064 | 1 | 5.426.083 |
| 135 | 2111 | 13 | 10.676.360 | 134.862.026 | 1 | 5.394.481 |
| 136 | 2112 | 12 | 11.056.438 | 134.076.589 | 0 | 5.363.064 |
| 137 | 2113 | 12 | 11.450.047 | 133.295.727 | 0 | 5.331.829 |
| 138 | 2114 | 11 | 11.857.669 | 132.519.413 | 0 | 5.300.777 |
| 139 | 2115 | 11 | 12.279.802 | 131.747.620 | 0 | 5.269.905 |
| 140 | 2116 | 10 | 12.716.963 | 130.980.322 | 0 | 5.239.213 |
| 141 | 2117 | 10 | 13.169.687 | 130.217.492 | 0 | 5.208.700 |
| 142 | 2118 | 9 | 13.638.528 | 129.459.106 | 0 | 5.178.364 |
| 143 | 2119 | 9 | 14.124.059 | 128.705.136 | 0 | 5.148.205 |
| 144 | 2120 | 9 | 14.626.876 | 127.955.557 | 0 | 5.118.222 |
| 145 | 2121 | 8 | 15.147.593 | 127.210.344 | 0 | 5.088.414 |
| 146 | 2122 | 8 | 15.686.847 | 126.469.471 | 0 | 5.058.779 |
| 147 | 2123 | 8 | 16.245.299 | 125.732.913 | 0 | 5.029.317 |
| 148 | 2124 | 7 | 16.823.631 | 125.000.644 | 0 | 5.000.026 |
| 149 | 2125 | 7 | 17.422.553 | 124.272.641 | 0 | 4.970.906 |
| 150 | 2126 | 7 | 18.042.795 | 123.548.877 | 0 | 4.941.955 |
| 151 | 2127 | 7 | 18.685.119 | 122.829.328 | 0 | 4.913.173 |
| 152 | 2128 | 6 | 19.350.309 | 122.113.970 | 0 | 4.884.559 |
| 153 | 2129 | 6 | 20.039.180 | 121.402.778 | 0 | 4.856.111 |
| 154 | 2130 | 6 | 20.752.575 | 120.695.729 | 0 | 4.827.829 |
| 155 | 2131 | 6 | 21.491.367 | 119.992.797 | 0 | 4.799.712 |
| 156 | 2132 | 5 | 22.256.459 | 119.293.959 | 0 | 4.771.758 |
| 157 | 2133 | 5 | 23.048.789 | 118.599.191 | 0 | 4.743.968 |
| 158 | 2134 | 5 | 23.869.326 | 117.908.469 | 0 | 4.716.339 |
| 159 | 2135 | 5 | 24.719.074 | 117.221.770 | 0 | 4.688.871 |
| 160 | 2136 | 5 | 25.599.073 | 116.539.070 | 0 | 4.661.563 |
| 161 | 2137 | 4 | 26.510.400 | 115.860.347 | 0 | 4.634.414 |
| 162 | 2138 | 4 | 27.454.170 | 115.185.576 | 0 | 4.607.423 |
| 163 | 2139 | 4 | 28.431.539 | 114.514.735 | 0 | 4.580.589 |
| 164 | 2140 | 4 | 29.443.702 | 113.847.802 | 0 | 4.553.912 |
| 165 | 2141 | 4 | 30.491.897 | 113.184.752 | 0 | 4.527.390 |
| 166 | 2142 | 4 | 31.577.409 | 112.525.564 | 0 | 4.501.023 |
| 167 | 2143 | 3 | 32.701.565 | 111.870.215 | 0 | 4.474.809 |
| 168 | 2144 | 3 | 33.865.740 | 111.218.683 | 0 | 4.448.747 |
| 169 | 2145 | 3 | 35.071.361 | 110.570.945 | 0 | 4.422.838 |
| 170 | 2146 | 3 | 36.319.901 | 109.926.980 | 0 | 4.397.079 |
| 171 | 2147 | 3 | 37.612.890 | 109.286.765 | 0 | 4.371.471 |
| 172 | 2148 | 3 | 38.951.909 | 108.650.279 | 0 | 4.346.011 |
| 173 | 2149 | 3 | 40.338.597 | 108.017.500 | 0 | 4.320.700 |
| 174 | 2150 | 3 | 41.774.651 | 107.388.406 | 0 | 4.295.536 |
| 175 | 2151 | 2 | 43.261.828 | 106.762.976 | 0 | 4.270.519 |
| 176 | 2152 | 2 | 44.801.949 | 106.141.188 | 0 | 4.245.648 |
| 177 | 2153 | 2 | 46.396.899 | 105.523.022 | 0 | 4.220.921 |
| 178 | 2154 | 2 | 48.048.628 | 104.908.456 | 0 | 4.196.338 |
| 179 | 2155 | 2 | 49.759.159 | 104.297.469 | 0 | 4.171.899 |
| 180 | 2156 | 2 | 51.530.585 | 103.690.041 | 0 | 4.147.602 |
| 181 | 2157 | 2 | 53.365.074 | 103.086.150 | 0 | 4.123.446 |
| 182 | 2158 | 2 | 55.264.871 | 102.485.776 | 0 | 4.099.431 |
| 183 | 2159 | 2 | 57.232.300 | 101.888.899 | 0 | 4.075.556 |
| 184 | 2160 | 2 | 59.269.770 | 101.295.498 | 0 | 4.051.820 |
| 185 | 2161 | 2 | 61.379.774 | 100.705.553 | 0 | 4.028.222 |
| 186 | 2162 | 2 | 63.564.894 | 100.119.044 | 0 | 4.004.762 |
| 187 | 2163 | 2 | 65.827.804 | 99.535.951 | 0 | 3.981.438 |
| 188 | 2164 | 1 | 68.171.274 | 98.956.253 | 0 | 3.958.250 |
| 189 | 2165 | 1 | 70.598.171 | 98.379.932 | 0 | 3.935.197 |
| 190 | 2166 | 1 | 73.111.466 | 97.806.967 | 0 | 3.912.279 |
| 191 | 2167 | 1 | 75.714.235 | 97.237.340 | 0 | 3.889.494 |
| 192 | 2168 | 1 | 78.409.661 | 96.671.029 | 0 | 3.866.841 |
| 193 | 2169 | 1 | 81.201.045 | 96.108.017 | 0 | 3.844.321 |
| 194 | 2170 | 1 | 84.091.802 | 95.548.284 | 0 | 3.821.931 |
| 195 | 2171 | 1 | 87.085.471 | 94.991.811 | 0 | 3.799.672 |
| 196 | 2172 | 1 | 90.185.713 | 94.438.579 | 0 | 3.777.543 |
| 197 | 2173 | 1 | 93.396.325 | 93.888.568 | 0 | 3.755.543 |
| 198 | 2174 | 1 | 96.721.234 | 93.341.761 | 0 | 3.733.670 |
| 199 | 2175 | 1 | 100.164.510 | 92.798.139 | 0 | 3.711.926 |
| 200 | 2176 | 1 | 103.730.366 | 92.257.683 | 0 | 3.690.307 |
| 201 | 2177 | 1 | 107.423.167 | 91.720.374 | 0 | 3.668.815 |
| 202 | 2178 | 1 | 111.247.432 | 91.186.194 | 0 | 3.647.448 |
| 203 | 2179 | 1 | 115.207.841 | 90.655.126 | 0 | 3.626.205 |
| 204 | 2180 | 1 | 119.309.240 | 90.127.151 | 0 | 3.605.086 |
| 205 | 2181 | 1 | 123.556.649 | 89.602.250 | 0 | 3.584.090 |
| 206 | 2182 | 1 | 127.955.266 | 89.080.407 | 0 | 3.563.216 |
| 207 | 2183 | 1 | 132.510.473 | 88.561.602 | 0 | 3.542.464 |
| 208 | 2184 | 1 | 137.227.846 | 88.045.819 | 0 | 3.521.833 |
| 209 | 2185 | 1 | 142.113.157 | 87.533.041 | 0 | 3.501.322 |
| 210 | 2186 | 1 | 147.172.386 | 87.023.248 | 0 | 3.480.930 |
| 211 | 2187 | 1 | 152.411.722 | 86.516.425 | 0 | 3.460.657 |
| 212 | 2188 | 1 | 157.837.580 | 86.012.553 | 0 | 3.440.502 |
| 213 | 2189 | 1 | 163.456.598 | 85.511.616 | 0 | 3.420.465 |
| 214 | 2190 | 1 | 169.275.653 | 85.013.596 | 0 | 3.400.544 |
| 215 | 2191 | 0 | 175.301.866 | 84.518.477 | 0 | 3.380.739 |
| 216 | 2192 | 0 | 181.542.612 | 84.026.242 | 0 | 3.361.050 |
| 217 | 2193 | 0 | 188.005.529 | 83.536.873 | 0 | 3.341.475 |
| 218 | 2194 | 0 | 194.698.526 | 83.050.354 | 0 | 3.322.014 |
| 219 | 2195 | 0 | 201.629.794 | 82.566.669 | 0 | 3.302.667 |
| 220 | 2196 | 0 | 208.807.814 | 82.085.800 | 0 | 3.283.432 |
| 221 | 2197 | 0 | 216.241.372 | 81.607.733 | 0 | 3.264.309 |
| 222 | 2198 | 0,3622962 | 223.939.565 | 81.132.449 | 0,014492 | 3.245.298 |
| Año | Acciones tengo | Precio final | Total a 31 Diciembre | Acciones Vendo | Renta que saco |
RESUMEN:
Si a una cantidad “X” le quitas “Y”% anualmente, “X” tiende a 0 “SIEMPRE”.
Si tienes un producto que gana a la inflación y tienes los huevos de querer vender el 4% todos los años, lo necesites o no, RECUERDA volver a invertir lo que te sobra, que va a ser mucho.
Producto: también vale una acción que de dividendos.
5 Me gusta
Da exactamente igual sacar el 4% de las acciones que del capital. El resultado es el mismo, se tiende a 0, en este mundo por lo menos.
No se si os habéis dado cuenta, pero con la tabla de @Marcos_Torcal_Garcia (quiero pensar que solo querías que trabajara un rato), os acaban de demostrar que no merece la pena invertir.
Carpe diem.
Si invirtiendo con Buffett no puedo retirarme, con quien me retiro?
Por eso Buffett y Munger siguen trabajando, ahora lo entiendo todo. El circulo se acaba de cerrar en mis narices.
Hola ChatGPT, donde puedo encontrar trabajo, de ese de trabajar poco y ganar mucho?
5 Me gusta
2 Me gusta
Menos mal @Marcos_Torcal_Garcia, pensé que también te había perdido.
Que ha dicho el CHAT GPT a la pregunta? Es para un amigo…
2 Me gusta
POLÍTICOS.
De los funcionarios, solo dice que ganan más de lo que se merecen.
1 me gusta