Calculadora de Fondos Mutuos
Key Financial Terms
Understand the essential concepts behind this calculator
12b-1 Fee
Hidden mutual fund fee (0.25-1% annually) for marketing and distribution. Comes out of your returns. Avoid funds with high 12b-1 fees.
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Expense Ratio
The annual fee charged by mutual funds and ETFs, expressed as a percentage of your investment.
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Index Fund
A type of mutual fund or ETF that tracks a market index, providing broad market exposure with low costs.
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Load (Mutual Fund)
Sales commission charged when buying (front-load) or selling (back-load) a mutual fund. Avoid—buy no-load index funds instead.
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Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Fondos Mutuos
La relación de gastos es el costo operativo anual de un fondo, expresado como un porcentaje de los activos. Una relación de gastos del 0.10% frente al 0.75% puede llevar a grandes diferencias en el valor final a lo largo de las décadas.
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Sources & References
Impact of Fees on Long-Term Fund Performance
Research by Vanguard founder John Bogle demonstrating how mutual fund fees compound over time and their dramatic impact on investor returns.
Annual Mutual Fund Fee Study
Comprehensive annual analysis of mutual fund expense ratios across different fund types, showing trends toward lower-cost investing and fee compression.
Understanding Mutual Fund Fees and Share Classes
SEC investor education on mutual fund fees, including expense ratios, loads, 12b-1 fees, and how different share classes affect returns.