Calculadora de Seguridad Social
Key Financial Terms
Understand the essential concepts behind this calculator
Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Seguridad Social
La mejor edad para reclamar el Seguro Social depende de tu salud y necesidades financieras. Reclamar a los 62 reduce tus beneficios en un 30%, mientras que esperar hasta la Edad de Jubilación Completa (66-67) te da el 100%, y retrasar hasta los 70 aumenta los beneficios en un 8% por año. Si esperas vivir más allá de los 78-80, esperar generalmente ofrece más valor.
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Sources & References
S&P 500 Historical Returns
• Average annual return (1926-2024): ~10% nominal, ~7% inflation-adjusted
• Standard deviation: ~20% (indicating significant year-to-year volatility)
• Standard deviation: ~20% (indicating significant year-to-year volatility)
Dividend Yields
• S&P 500 average dividend yield: 1.5-2.0% (as of 2024-2025)
• Historical dividend growth rate: ~5.9% annually (1960-2024)
• Historical dividend growth rate: ~5.9% annually (1960-2024)
Bond Returns
• 10-Year Treasury bonds: ~5% average annual return (1926-2024)
• Corporate bonds (investment grade): ~6% average annual return
• Corporate bonds (investment grade): ~6% average annual return
Inflation Rate
• Long-term average: ~3% annually (1926-2024)
• Recent (2020-2024): 2-8% range with 2022 peak at 8%
• Recent (2020-2024): 2-8% range with 2022 peak at 8%
Important
Past performance does not guarantee future results. Market returns vary significantly year-to-year. These are long-term historical averages.
⚠️ Important