Edad retiro 60IMSS e ISSSTE i= 5%

Edad (x) lx dx nPr V^n nPr*V^n

EMSSAH-09

0 0.00138 1000000 1380 0.79963525 1 0.799635251 0.00138 998620 1378.0956 0.80074027 0.95238095 0.762609782 0.00139 997241.904 1386.16625 0.80184682 0.90702948 0.72729873 0.0014 995855.738 1394.19803 0.80296294 0.8638376 0.693629584 0.00142 994461.54 1412.13539 0.80408866 0.82270247 0.661525735 0.00143 993049.405 1420.06065 0.80523209 0.78352617 0.630920416 0.00145 991629.344 1437.86255 0.80638522 0.7462154 0.601737077 0.00147 990191.482 1455.58148 0.80755618 0.71068133 0.57391518 0.00149 988735.9 1473.21649 0.80874503 0.67683936 0.547390479 0.00152 987262.684 1500.63928 0.80995186 0.64460892 0.5221021910 0.00155 985762.044 1527.93117 0.81118486 0.61391325 0.4979971411 0.00158 984234.113 1555.0899 0.81244415 0.58467929 0.4750192712 0.00161 982679.023 1582.11323 0.81372985 0.55683742 0.4531152313 0.00165 981096.91 1618.8099 0.81504206 0.53032135 0.4322342114 0.00168 979478.1 1645.52321 0.8163891 0.50506795 0.4123319715 0.00172 977832.577 1681.87203 0.81776295 0.4810171 0.3933579616 0.00177 976150.705 1727.78675 0.81917192 0.45811152 0.375272117 0.00181 974422.918 1763.70548 0.82062443 0.43629669 0.3580357218 0.00186 972659.213 1809.14614 0.82211245 0.41552065 0.341604719 0.00191 970850.066 1854.32363 0.82364443 0.39573396 0.3259440720 0.00197 968995.743 1908.92161 0.8252206 0.37688948 0.3110169721 0.00202 967086.821 1953.51538 0.82684949 0.35894236 0.2967913122 0.00209 965133.306 2017.12861 0.82852311 0.34184987 0.2832305223 0.00215 963116.177 2070.69978 0.83025835 0.32557131 0.270308324 0.00222 961045.477 2133.52096 0.83204725 0.31006791 0.2579911525 0.0023 958911.957 2205.4975 0.83389851 0.29530277 0.2462525426 0.00237 956706.459 2267.39431 0.8358209 0.28124073 0.2350668827 0.00246 954439.065 2347.9201 0.8378065 0.26784832 0.2244050628 0.00254 952091.145 2418.31151 0.83987258 0.25509364 0.2142461529 0.00264 949672.833 2507.13628 0.84201129 0.24294632 0.2045635530 0.00274 947165.697 2595.23401 0.84424009 0.23137745 0.1953381231 0.00284 944570.463 2682.58011 0.84655966 0.22035947 0.1865474432 0.00295 941887.883 2778.56925 0.84897074 0.20986617 0.1781702333 0.00307 939109.313 2883.06559 0.85148261 0.19987254 0.1701879934 0.00319 936226.248 2986.56173 0.85410471 0.1903548 0.1625829335 0.00332 933239.686 3098.35576 0.85683802 0.18129029 0.1553364136 0.00346 930141.33 3218.289 0.8596922 0.17265741 0.1484322337 0.00361 926923.041 3346.19218 0.86267707 0.16443563 0.1418548538 0.00377 923576.849 3481.88472 0.86580261 0.15660536 0.1355893339 0.00393 920094.964 3615.97321 0.86907904 0.14914797 0.1296213740 0.00411 916478.991 3766.72865 0.872508 0.14204568 0.1239359941 0.0043 912712.263 3924.66273 0.8761088 0.1352816 0.1185214

TABLA DE TASAS DE MORTALIDAD DE ACTIVOS PARA LA SEGURIDAD SOCIAL, 2009

Hombres (qx)

42 0.0045 908787.6 4089.5442 0.87989234 0.12883962 0.11336543 0.00471 904698.056 4261.12784 0.88386976 0.1227044 0.1084547144 0.00493 900436.928 4439.15405 0.88805248 0.11686133 0.10377945 0.00517 895997.774 4632.30849 0.89245227 0.11129651 0.0993268246 0.00542 891365.465 4831.20082 0.89709023 0.10599668 0.0950885847 0.00569 886534.264 5044.37996 0.90197896 0.10094921 0.0910540748 0.00598 881489.884 5271.30951 0.90714059 0.09614211 0.0872144149 0.00629 876218.575 5511.41484 0.91259792 0.09156391 0.0835610450 0.00661 870707.16 5755.37433 0.9183745 0.08720373 0.0800856851 0.00696 864951.786 6020.06443 0.92448534 0.08305117 0.0767795952 0.00733 858931.721 6295.96952 0.93096486 0.07909635 0.0736359253 0.00772 852635.752 6582.348 0.93783922 0.07532986 0.070647354 0.00814 846053.404 6886.87471 0.94513567 0.07174272 0.0678066155 0.00859 839166.529 7208.44049 0.95289221 0.0683264 0.065107756 0.00906 831958.089 7537.54028 0.96114848 0.06507276 0.0625445957 0.00957 824420.548 7889.70465 0.9699361 0.06197406 0.0601108858 0.01011 816530.844 8255.12683 0.97930808 0.05902291 0.0578016259 0.01069 808275.717 8640.46741 0.98931 0.0562123 0.05561139

Edad (x) lx dx nPr V^n nPr*V^n

EMSSAH-09 Interes60 0.01131 799635.249 9043.87467 1 1 1 061 0.01198 790591.375 9471.28467 0.98869 0.95238095 0.9698578095 162 0.01268 781120.09 9904.60274 0.97684549 0.90702948 0.9399867432 263 0.01344 771215.487 10365.1362 0.96445909 0.8638376 0.9103902311 364 0.01425 760850.351 10842.1175 0.95149676 0.82270247 0.88104688 465 0.01512 750008.234 11340.1245 0.93793793 0.78352617 0.8519492579 566 0.01604 738668.109 11848.2365 0.92375631 0.7462154 0.8230855416 667 0.01703 726819.873 12377.7424 0.90893926 0.71068133 0.7944569019 768 0.0181 714442.13 12931.4026 0.89346003 0.67683936 0.7660524951 869 0.01924 701510.728 13497.0664 0.8772884 0.64460892 0.7378595746 970 0.02045 688013.661 14069.8794 0.86040937 0.61391325 0.7098790962 1071 0.02176 673943.782 14665.0167 0.842814 0.58467929 0.6821170769 1172 0.02316 659278.765 15268.8962 0.82447437 0.55683742 0.6545642244 1273 0.02467 644009.869 15887.7235 0.80537954 0.53032135 0.6272253833 1374 0.02628 628122.146 16507.05 0.78551083 0.50506795 0.6000993191 1475 0.02801 611615.096 17131.3388 0.7648676 0.4810171 0.5731986384 1576 0.02986 594483.757 17751.285 0.74344366 0.45811152 0.5465310903 1677 0.03185 576732.472 18368.9292 0.72124443 0.43629669 0.520112402 1778 0.03399 558363.543 18978.7768 0.6982728 0.41552065 0.493955454 1879 0.03629 539384.766 19574.2732 0.67453851 0.39573396 0.4680770337 1980 0.03875 519810.493 20142.6566 0.6500595 0.37688948 0.4424983178 2081 0.04139 499667.836 20681.2517 0.6248697 0.35894236 0.4172495745 2182 0.04423 478986.584 21185.5766 0.59900634 0.34184987 0.3923609553 2283 0.04728 457801.008 21644.8316 0.57251229 0.32557131 0.367863843 2384 0.05055 436156.176 22047.6947 0.54544391 0.31006791 0.3437955978 2485 0.05406 414108.481 22386.7045 0.51787172 0.29530277 0.3201992688 2586 0.05783 391721.777 22653.2704 0.48987557 0.28124073 0.2971199764 2687 0.06187 369068.507 22834.2685 0.46154607 0.26784832 0.2746053848 2788 0.06621 346234.238 22924.1689 0.43299021 0.25509364 0.2527085868 2889 0.07087 323310.069 22912.9846 0.40432193 0.24294632 0.231481956 2990 0.08147 300397.085 24473.3505 0.37566764 0.23137745 0.2109801282 3091 0.09207 275923.734 25404.2982 0.34506199 0.22035947 0.1901003091 3192 0.10439 250519.436 26151.7239 0.31329214 0.20986617 0.169310197 3293 0.11835 224367.712 26553.9187 0.28058757 0.19987254 0.1487476025 3394 0.13418 197813.793 26542.6548 0.24738003 0.1903548 0.1286453557 3495 0.15212 171271.138 26053.7656 0.21418658 0.18129029 0.1092621272 3596 0.17247 145217.373 25045.6403 0.18160452 0.17265741 0.0908765786 3697 0.19554 120171.733 23498.3806 0.15028319 0.16443563 0.0737706552 3798 0.2217 96673.352 21432.4821 0.12089681 0.15660536 0.05821515 3899 0.25135 75240.8698 18911.7926 0.09409399 0.14914797 0.0444458255 39100 0.28497 56329.0772 16052.0971 0.07044346 0.14204568 0.0326405698 40101 0.32309 40276.9801 13013.0895 0.05036919 0.1352816 0.0228944345 41

Hombres (qx)

102 0.3663 27263.8906 9986.76312 0.03409541 0.12883962 0.0152022817 42103 0.4153 17277.1275 7175.19104 0.02160626 0.1227044 0.0094501871 43104 0.47085 10101.9364 4756.49677 0.01263318 0.11686133 0.0054202763 44105 0.53383 5345.43966 2853.55605 0.00668485 0.11129651 0.002813508 45106 0.60523 2491.88361 1508.16272 0.00311628 0.10599668 0.0012865907 46107 0.68618 983.720891 675.009601 0.00123021 0.10094921 0.000498233 47108 0.77796 308.71129 240.165035 0.00038607 0.09614211 0.0001533773 48109 0.88202 68.5462549 60.4591677 8.57219E-05 0.09156391 3.340721E-05 49110 1 8.08708715 8.08708715 1.01135E-05 0.08720373 3.866308E-06 50

är= 19.205079275

ID Trabajador Edad Actual Edad de ingreso Salario actual Sexo11 48 28 $ 18,000.00 Hombre

P= 1.5%*Ant*Sueldo pensionableAños que faltan para pens 12Antigüedad 32 20 1Tasa interés 5% 5% 5%Tasa descuento 7% 7% 7%Tasa incremento salarial 3% 3% 3%ä60= 19.2050792752676 19.2050792752676 19.205079275Sueldo pensionable 277167.916402897 277167.916402897 277167.9164P= 133040.599873391 83150.3749208691 4157.51874612P48 0.75957372 0.75957372 0.75957372V^12 0.444011959240735 0.44401195924074 0.4440119592

VP OBLIG TOTAL VP OBLIG ACUMULACOSTO NORMAL $ 861,717.46 $ 538,573.42 $ 26,928.67

Edad retiro60