Cartera Modelo \u2013 WSM Inversiones | Calcul\u00e1 tu retiro<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Bricolage+Grotesque:opsz,wght@12..96,500;12..96,700&family=Figtree:wght@400;500;600&display=swap\" rel=\"stylesheet\">\n<style>\n html, body { margin: 0; }\n #wsm-cartera {\n --pine: #12332f;\n --pine-2: #1c4a44;\n --mist: #eef2f0;\n --paper: #fbfcfb;\n --ink: #17282a;\n --slate: #587068;\n --gold: #c49a3a;\n --line: #d5dedb;\n --ok: #1f7a5a;\n font-family: \"Figtree\", system-ui, -apple-system, \"Segoe UI\", Roboto, sans-serif;\n color: var(--ink);\n background: var(--paper);\n line-height: 1.55;\n font-size: 17px;\n }\n #wsm-cartera *, #wsm-cartera *::before, #wsm-cartera *::after { box-sizing: border-box; }\n #wsm-cartera h1, #wsm-cartera h2, #wsm-cartera h3 {\n font-family: \"Bricolage Grotesque\", \"Figtree\", system-ui, sans-serif;\n line-height: 1.1;\n margin: 0;\n letter-spacing: -0.02em;\n }\n #wsm-cartera p { margin: 0; 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}\n #wsm-cartera .faq { margin-top: 28px; }\n\n #wsm-cartera .cta { background: var(--pine); color: #fff; padding: 64px 0; }\n #wsm-cartera .cta .wrap { display: flex; justify-content: space-between; align-items: center; gap: 28px; flex-wrap: wrap; }\n #wsm-cartera .cta h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); max-width: 24ch; }\n #wsm-cartera .btn { display: inline-block; background: var(--gold); color: #1a1405; font-weight: 600; padding: 14px 24px; border-radius: 4px; text-decoration: none; }\n #wsm-cartera .btn:hover { background: #d6ab48; }\n\n #wsm-cartera .legal { background: #0d2623; color: #9fb5af; padding: 28px 0; font-size: 0.84rem; }\n #wsm-cartera .legal p + p { margin-top: 8px; }\n\n @media (max-width: 900px) {\n #wsm-cartera .hero-grid { grid-template-columns: 1fr; gap: 36px; }\n #wsm-cartera .features { grid-template-columns: 1fr; }\n }\n @media (max-width: 520px) {\n #wsm-cartera .fields { grid-template-columns: 1fr; }\n #wsm-cartera .stats { grid-template-columns: 1fr; }\n #wsm-cartera .calc { padding: 20px; }\n }\n<\/style>\n<\/head>\n<body>\n<div id=\"wsm-cartera\">\n\n <div class=\"top\">\n <div class=\"wrap\">\n <span class=\"brand\">WSM Inversiones<\/span>\n <a href=\"https:\/\/wsminversiones.com.ar\/landing\/\" target=\"_blank\" rel=\"noopener\">Ir al sitio de WSM<\/a>\n <\/div>\n <\/div>\n\n <header class=\"hero\">\n <div class=\"wrap hero-grid\">\n <div>\n <h1>Cartera modelo para tu retiro, en piloto autom\u00e1tico<\/h1>\n <p class=\"lead\">Una herramienta de inversi\u00f3n automatizada que invierte tus saldos l\u00edquidos en pesos o d\u00f3lares y apunta a generar ganancias en d\u00f3lares todos los a\u00f1os.<\/p>\n <ul class=\"facts\">\n <li>Rendimiento esperado: 7% anual<\/li>\n <li>Sin m\u00ednimos para empezar<\/li>\n <li>Liquidez en 24 horas, sin penalidades<\/li>\n <li>Comisi\u00f3n de gesti\u00f3n mensual de U$S10<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"calc\" role=\"group\" aria-labelledby=\"calc-title\">\n <h2 id=\"calc-title\">Proyect\u00e1 tu capital<\/h2>\n <p class=\"sub\">Mov\u00e9s los valores y ves c\u00f3mo crece tu cartera con el tiempo.<\/p>\n\n <div class=\"fields\">\n <div class=\"field\">\n <label for=\"inicial\">Capital inicial<\/label>\n <div class=\"money\"><span>U$S<\/span><input id=\"inicial\" type=\"number\" min=\"0\" step=\"100\" value=\"5000\" inputmode=\"decimal\"><\/div>\n <\/div>\n <div class=\"field\">\n <label for=\"aporte\">Aporte mensual<\/label>\n <div class=\"money\"><span>U$S<\/span><input id=\"aporte\" type=\"number\" min=\"0\" step=\"10\" value=\"200\" inputmode=\"decimal\"><\/div>\n <\/div>\n <div class=\"field full\">\n <label for=\"anios\">A\u00f1os hasta tu retiro <output id=\"o-anios\">20 a\u00f1os<\/output><\/label>\n <input id=\"anios\" type=\"range\" min=\"1\" max=\"40\" step=\"1\" value=\"20\">\n <\/div>\n <div class=\"field full\">\n <label for=\"tasa\">Rendimiento anual esperado <output id=\"o-tasa\">7%<\/output><\/label>\n <input id=\"tasa\" type=\"range\" min=\"1\" max=\"12\" step=\"0.5\" value=\"7\">\n <\/div>\n <div class=\"field full check\">\n <input id=\"fee\" type=\"checkbox\" checked>\n <label for=\"fee\" style=\"font-weight:500\">Descontar la comisi\u00f3n de gesti\u00f3n de U$S10 por mes<\/label>\n <\/div>\n <\/div>\n\n <div class=\"result\" aria-live=\"polite\">\n <p class=\"caption\">Capital estimado al final del plazo<\/p>\n <p class=\"big\" id=\"r-total\">U$S 0<\/p>\n <div class=\"stats\">\n <div class=\"stat\"><b id=\"r-aportes\">\u2013<\/b><span>Total que aportaste<\/span><\/div>\n <div class=\"stat\"><b id=\"r-gan\">\u2013<\/b><span>Ganancia estimada<\/span><\/div>\n <div class=\"stat\"><b id=\"r-renta\">\u2013<\/b><span>Renta mensual sin tocar el capital<\/span><\/div>\n <\/div>\n <div class=\"chart\">\n <svg id=\"chart\" viewBox=\"0 0 600 240\" role=\"img\" aria-label=\"Evoluci\u00f3n estimada del capital comparada con lo aportado\"><\/svg>\n <div class=\"legend\">\n <span class=\"a\"><i><\/i>Capital estimado<\/span>\n <span class=\"b\"><i><\/i>Lo que aportaste<\/span>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/header>\n\n <section class=\"block\">\n <div class=\"wrap\">\n <h2>C\u00f3mo funciona la cartera modelo<\/h2>\n <p class=\"intro\">Arm\u00e1s tu cuenta una vez y la herramienta se ocupa del resto. Siempre ten\u00e9s a un asesor matriculado para consultas.<\/p>\n <div class=\"features\">\n <div class=\"feature\"><h3>Inversi\u00f3n autom\u00e1tica<\/h3><p>Tus saldos l\u00edquidos, en pesos o en d\u00f3lares, se invierten solos. No ten\u00e9s que decidir cada operaci\u00f3n.<\/p><\/div>\n <div class=\"feature\"><h3>Ganancias en d\u00f3lares<\/h3><p>La cartera est\u00e1 pensada para generar resultados en d\u00f3lares a\u00f1o a a\u00f1o, con un rendimiento esperado del 7% anual.<\/p><\/div>\n <div class=\"feature\"><h3>Videollamada de bienvenida<\/h3><p>Te presentamos la plataforma y resolvemos tus dudas antes de empezar.<\/p><\/div>\n <div class=\"feature\"><h3>Asesor por WhatsApp<\/h3><p>Un asesor id\u00f3neo est\u00e1 disponible para responder tus consultas por el canal que ya us\u00e1s.<\/p><\/div>\n <div class=\"feature\"><h3>Liquidez en 24 horas<\/h3><p>Pod\u00e9s retirar tu dinero en 24 horas, sin penalidades.<\/p><\/div>\n <div class=\"feature\"><h3>Costo claro<\/h3><p>Comisi\u00f3n de gesti\u00f3n mensual de U$S10. Sin m\u00ednimos de inversi\u00f3n.<\/p><\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"block alt\">\n <div class=\"wrap\">\n <h2>Condiciones del servicio<\/h2>\n <div class=\"tablewrap\">\n <table class=\"cond\">\n <tbody>\n <tr><th scope=\"row\">Modalidad<\/th><td>Herramienta de inversi\u00f3n automatizada, Piloto Autom\u00e1tico.<\/td><\/tr>\n <tr><th scope=\"row\">Rendimiento esperado<\/th><td>7% anual. Es una expectativa, no una garant\u00eda.<\/td><\/tr>\n <tr><th scope=\"row\">Monto m\u00ednimo<\/th><td>Sin m\u00ednimos.<\/td><\/tr>\n <tr><th scope=\"row\">Comisi\u00f3n de gesti\u00f3n<\/th><td>U$S10 por mes.<\/td><\/tr>\n <tr><th scope=\"row\">Liquidez<\/th><td>24 horas, sin penalidades.<\/td><\/tr>\n <tr><th scope=\"row\">Atenci\u00f3n<\/th><td>Asesor id\u00f3neo disponible por WhatsApp.<\/td><\/tr>\n <tr><th scope=\"row\">Otros brokers<\/th><td>Si ya ten\u00e9s cuenta en Inviu, Balanz Capital o Invertir Online, tambi\u00e9n podemos trabajar juntos.<\/td><\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"block\">\n <div class=\"wrap\">\n <h2>Qui\u00e9nes te acompa\u00f1an<\/h2>\n <p class=\"intro\">WSM Inversiones es una firma de asesoramiento financiero burs\u00e1til. Su equipo est\u00e1 formado por asesores id\u00f3neos matriculados en la Comisi\u00f3n Nacional de Valores.<\/p>\n <div class=\"team\">\n <div><b>Walter Saqueta Melo<\/b><span>Fundador, m\u00e1s de quince a\u00f1os de experiencia<\/span><\/div>\n <div><b>Martin Pe\u00f1a Altare<\/b><span>Asesor financiero<\/span><\/div>\n <div><b>Florencia Guarino<\/b><span>Contadora p\u00fablica y asesora id\u00f3nea<\/span><\/div>\n <div><b>Ayrton Merklen<\/b><span>Licenciado en Econom\u00eda, asesor financiero<\/span><\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"block alt\">\n <div class=\"wrap\">\n <h2>Preguntas frecuentes<\/h2>\n <div class=\"faq\">\n <details>\n <summary>\u00bfLa calculadora garantiza ese resultado?<\/summary>\n <p>No. Es una proyecci\u00f3n que usa el rendimiento anual que vos elijas (por defecto, el 7% esperado). Los rendimientos reales pueden ser distintos.<\/p>\n <\/details>\n <details>\n <summary>\u00bfC\u00f3mo se calcula la renta mensual?<\/summary>\n <p>Es el rendimiento anual aplicado al capital final, dividido en 12. Es lo que podr\u00edas retirar cada mes sin consumir el capital, si se mantuviera ese rendimiento.<\/p>\n <\/details>\n <details>\n <summary>\u00bfPuedo retirar mi dinero cuando quiera?<\/summary>\n <p>S\u00ed. La liquidez es en 24 horas y sin penalidades.<\/p>\n <\/details>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"cta\">\n <div class=\"wrap\">\n <h2>Empez\u00e1 con una videollamada de bienvenida<\/h2>\n <a class=\"btn\" href=\"https:\/\/wsminversiones.com.ar\/landing\/#servicios\" target=\"_blank\" rel=\"noopener\">Pedir informaci\u00f3n<\/a>\n <\/div>\n <\/section>\n\n <footer class=\"legal\">\n <div class=\"wrap\">\n <p>Las proyecciones de esta p\u00e1gina son estimaciones con fines informativos. No constituyen una promesa de rendimiento. Toda inversi\u00f3n implica riesgo, y los resultados pasados o esperados no aseguran resultados futuros.<\/p>\n <p>WSM Inversiones. Asesores id\u00f3neos matriculados en la Comisi\u00f3n Nacional de Valores.<\/p>\n <\/div>\n <\/footer>\n<\/div>\n\n<script>\n(function () {\n var $ = function (id) { return document.getElementById(id); };\n var nf = new Intl.NumberFormat(\"es-AR\", { maximumFractionDigits: 0 });\n var usd = function (n) { return \"U$S \" + nf.format(Math.round(n)); };\n\n function project(inicial, aporte, anios, tasa, fee) {\n var rm = Math.pow(1 + tasa \/ 100, 1 \/ 12) - 1;\n var bal = inicial, put = inicial, pts = [{ y: 0, bal: bal, put: put }];\n for (var m = 1; m <= anios * 12; m++) {\n bal = bal * (1 + rm) + aporte - (fee ? 10 : 0);\n if (bal < 0) bal = 0;\n put += aporte;\n if (m % 12 === 0) pts.push({ y: m \/ 12, bal: bal, put: put });\n }\n return pts;\n }\n\n function draw(pts) {\n var W = 600, H = 240, L = 56, R = 12, T = 12, B = 28;\n var maxY = Math.max.apply(null, pts.map(function (p) { return Math.max(p.bal, p.put); })) || 1;\n var n = pts.length - 1 || 1;\n var x = function (i) { return L + (W - L - R) * i \/ n; };\n var y = function (v) { return H - B - (H - T - B) * v \/ maxY; };\n var s = \"\";\n for (var g = 0; g <= 4; g++) {\n var v = maxY * g \/ 4, yy = y(v);\n s += '<line x1=\"' + L + '\" x2=\"' + (W - R) + '\" y1=\"' + yy + '\" y2=\"' + yy + '\" stroke=\"#d5dedb\" stroke-width=\"1\"\/>';\n s += '<text x=\"' + (L - 8) + '\" y=\"' + (yy + 4) + '\" text-anchor=\"end\" font-size=\"11\" fill=\"#587068\">' + (v >= 1000 ? nf.format(Math.round(v \/ 1000)) + \" mil\" : nf.format(Math.round(v))) + '<\/text>';\n }\n var area = \"M\" + x(0) + \",\" + y(0);\n pts.forEach(function (p, i) { area += \" L\" + x(i) + \",\" + y(p.bal); });\n area += \" L\" + x(pts.length - 1) + \",\" + y(0) + \" Z\";\n s += '<path d=\"' + area + '\" fill=\"#1c4a44\" fill-opacity=\"0.85\"\/>';\n var line = pts.map(function (p, i) { return (i ? \"L\" : \"M\") + x(i) + \",\" + y(p.put); }).join(\" \");\n s += '<path d=\"' + line + '\" fill=\"none\" stroke=\"#c49a3a\" stroke-width=\"2.5\" stroke-dasharray=\"6 4\"\/>';\n var step = Math.max(1, Math.ceil(n \/ 8));\n pts.forEach(function (p, i) {\n if (i % step === 0 || i === n) s += '<text x=\"' + x(i) + '\" y=\"' + (H - 8) + '\" text-anchor=\"middle\" font-size=\"11\" fill=\"#587068\">' + p.y + (i === n ? \" a\u00f1os\" : \"\") + '<\/text>';\n });\n $(\"chart\").innerHTML = s;\n }\n\n function update() {\n var inicial = Math.max(0, parseFloat($(\"inicial\").value) || 0);\n var aporte = Math.max(0, parseFloat($(\"aporte\").value) || 0);\n var anios = parseInt($(\"anios\").value, 10);\n var tasa = parseFloat($(\"tasa\").value);\n var fee = $(\"fee\").checked;\n $(\"o-anios\").textContent = anios + (anios === 1 ? \" a\u00f1o\" : \" a\u00f1os\");\n $(\"o-tasa\").textContent = String(tasa).replace(\".\", \",\") + \"%\";\n var pts = project(inicial, aporte, anios, tasa, fee);\n var last = pts[pts.length - 1];\n $(\"r-total\").textContent = usd(last.bal);\n $(\"r-aportes\").textContent = usd(last.put);\n $(\"r-gan\").textContent = usd(Math.max(0, last.bal - last.put));\n $(\"r-renta\").textContent = usd(last.bal * (tasa \/ 100) \/ 12);\n draw(pts);\n }\n\n [\"inicial\", \"aporte\", \"anios\", \"tasa\", \"fee\"].forEach(function (id) {\n $(id).addEventListener(\"input\", update);\n $(id).addEventListener(\"change\", update);\n });\n update();\n})();\n<\/script>\n<\/body>\n<\/html>\n","protected":false},"excerpt":{"rendered":"<p>Cartera Modelo \u2013 WSM Inversiones | Calcul\u00e1 tu retiro WSM Inversiones Ir al sitio de WSM Cartera modelo para tu retiro, en piloto autom\u00e1tico Una herramienta de inversi\u00f3n automatizada que invierte tus saldos l\u00edquidos en pesos o d\u00f3lares y apunta a generar ganancias en d\u00f3lares todos los a\u00f1os. Rendimiento esperado: 7% anual Sin m\u00ednimos para […]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-19","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/pages\/19","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/comments?post=19"}],"version-history":[{"count":2,"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/pages\/19\/revisions"}],"predecessor-version":[{"id":28,"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/pages\/19\/revisions\/28"}],"wp:attachment":[{"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/media?parent=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":19,"date":"2026-10-02T00:19:25","date_gmt":"2026-10-02T00:19:25","guid":{"rendered":"https:\/\/calculaturetiro.com.ar\/hoy\/?page_id=19"},"modified":"2026-10-02T00:22:27","modified_gmt":"2026-10-02T00:22:27","slug":"19-2","status":"publish","type":"page","link":"https:\/\/calculaturetiro.com.ar\/hoy\/","title":{"rendered":"Principal"},"content":{"rendered":"\n\n\n\n\n\nCartera Modelo \u2013 WSM Inversiones | Calcul\u00e1 tu retiro<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Bricolage+Grotesque:opsz,wght@12..96,500;12..96,700&family=Figtree:wght@400;500;600&display=swap\" rel=\"stylesheet\">\n<style>\n html, body { margin: 0; }\n #wsm-cartera {\n --pine: #12332f;\n --pine-2: #1c4a44;\n --mist: #eef2f0;\n --paper: #fbfcfb;\n --ink: #17282a;\n --slate: #587068;\n --gold: #c49a3a;\n --line: #d5dedb;\n --ok: #1f7a5a;\n font-family: \"Figtree\", system-ui, -apple-system, \"Segoe UI\", Roboto, sans-serif;\n color: var(--ink);\n background: var(--paper);\n line-height: 1.55;\n font-size: 17px;\n }\n #wsm-cartera *, #wsm-cartera *::before, #wsm-cartera *::after { box-sizing: border-box; }\n #wsm-cartera h1, #wsm-cartera h2, #wsm-cartera h3 {\n font-family: \"Bricolage Grotesque\", \"Figtree\", system-ui, sans-serif;\n line-height: 1.1;\n margin: 0;\n letter-spacing: -0.02em;\n }\n #wsm-cartera p { margin: 0; }\n #wsm-cartera .wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }\n\n \/* Barra superior *\/\n #wsm-cartera .top { background: var(--pine); color: #e8f0ed; }\n #wsm-cartera .top .wrap { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-top: 14px; padding-bottom: 14px; flex-wrap: wrap; }\n #wsm-cartera .brand { font-family: \"Bricolage Grotesque\", sans-serif; font-weight: 700; font-size: 1.1rem; letter-spacing: -0.01em; }\n #wsm-cartera .top a { color: #e8f0ed; text-decoration: none; font-size: 0.95rem; border-bottom: 1px solid rgba(232,240,237,.4); }\n #wsm-cartera .top a:hover { border-color: var(--gold); }\n\n \/* Hero + calculadora *\/\n #wsm-cartera .hero { background: var(--pine); color: #fff; padding: 56px 0 72px; }\n #wsm-cartera .hero-grid { display: grid; grid-template-columns: 1fr 1.15fr; gap: 48px; align-items: start; }\n #wsm-cartera .hero h1 { font-size: clamp(2.2rem, 4.6vw, 3.6rem); font-weight: 700; }\n #wsm-cartera .hero .lead { margin-top: 20px; color: #c9d9d4; max-width: 46ch; font-size: 1.08rem; }\n #wsm-cartera .hero .facts { margin: 28px 0 0; padding: 0; list-style: none; display: grid; gap: 10px; color: #dbe7e3; font-size: 0.98rem; }\n #wsm-cartera .hero .facts li { padding-left: 22px; position: relative; }\n #wsm-cartera .hero .facts li::before { content: \"\"; position: absolute; left: 0; top: 0.6em; width: 10px; height: 2px; background: var(--gold); }\n\n #wsm-cartera .calc { background: var(--paper); color: var(--ink); border-radius: 6px; padding: 28px; box-shadow: 0 24px 48px -24px rgba(0,0,0,.5); }\n #wsm-cartera .calc h2 { font-size: 1.35rem; }\n #wsm-cartera .calc .sub { color: var(--slate); font-size: 0.93rem; margin-top: 4px; }\n #wsm-cartera .fields { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 20px; margin-top: 22px; }\n #wsm-cartera .field { display: flex; flex-direction: column; gap: 6px; }\n #wsm-cartera .field.full { grid-column: 1 \/ -1; }\n #wsm-cartera label { font-size: 0.92rem; font-weight: 600; display: flex; justify-content: space-between; gap: 8px; }\n #wsm-cartera label output { font-weight: 500; color: var(--pine-2); }\n #wsm-cartera .money { position: relative; }\n #wsm-cartera .money span { position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--slate); font-size: 0.9rem; pointer-events: none; }\n #wsm-cartera input[type=\"number\"] {\n width: 100%; font: inherit; padding: 11px 12px 11px 46px; border: 1px solid var(--line); border-radius: 4px; background: #fff; color: var(--ink);\n }\n #wsm-cartera input[type=\"range\"] { width: 100%; accent-color: var(--pine-2); }\n #wsm-cartera input:focus-visible, #wsm-cartera a:focus-visible, #wsm-cartera button:focus-visible, #wsm-cartera summary:focus-visible {\n outline: 3px solid var(--gold); outline-offset: 2px;\n }\n #wsm-cartera .check { flex-direction: row; align-items: center; gap: 10px; font-weight: 500; font-size: 0.92rem; }\n #wsm-cartera .check input { width: 18px; height: 18px; accent-color: var(--pine-2); }\n\n #wsm-cartera .result { margin-top: 24px; padding-top: 22px; border-top: 1px solid var(--line); }\n #wsm-cartera .result .big { font-family: \"Bricolage Grotesque\", sans-serif; font-size: clamp(2.1rem, 4vw, 2.9rem); font-weight: 700; color: var(--pine); letter-spacing: -0.02em; }\n #wsm-cartera .result .caption { color: var(--slate); font-size: 0.93rem; }\n #wsm-cartera .stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 16px; }\n #wsm-cartera .stat { background: var(--mist); border-radius: 4px; padding: 12px 14px; }\n #wsm-cartera .stat b { display: block; font-size: 1.05rem; color: var(--pine); }\n #wsm-cartera .stat span { font-size: 0.82rem; color: var(--slate); }\n #wsm-cartera .chart { margin-top: 18px; }\n #wsm-cartera .chart svg { width: 100%; height: auto; display: block; }\n #wsm-cartera .legend { display: flex; gap: 18px; flex-wrap: wrap; font-size: 0.85rem; color: var(--slate); margin-top: 6px; }\n #wsm-cartera .legend i { display: inline-block; width: 18px; height: 3px; vertical-align: middle; margin-right: 6px; }\n #wsm-cartera .legend .a i { background: var(--pine-2); height: 8px; opacity: .85; }\n #wsm-cartera .legend .b i { background: repeating-linear-gradient(90deg, var(--gold) 0 5px, transparent 5px 8px); }\n\n \/* Secciones *\/\n #wsm-cartera section.block { padding: 72px 0; }\n #wsm-cartera section.block.alt { background: var(--mist); }\n #wsm-cartera .block h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); max-width: 22ch; }\n #wsm-cartera .block .intro { margin-top: 14px; color: var(--slate); max-width: 58ch; }\n\n #wsm-cartera .features { margin-top: 36px; display: grid; grid-template-columns: repeat(2, 1fr); gap: 0 56px; }\n #wsm-cartera .feature { padding: 20px 0; border-top: 1px solid var(--line); }\n #wsm-cartera .feature h3 { font-size: 1.1rem; }\n #wsm-cartera .feature p { margin-top: 6px; color: var(--slate); font-size: 0.98rem; }\n\n #wsm-cartera table.cond { width: 100%; border-collapse: collapse; margin-top: 32px; background: var(--paper); }\n #wsm-cartera table.cond th, #wsm-cartera table.cond td { text-align: left; padding: 16px 18px; border-bottom: 1px solid var(--line); vertical-align: top; }\n #wsm-cartera table.cond th { width: 34%; font-weight: 600; color: var(--pine); }\n #wsm-cartera table.cond td { color: var(--ink); }\n #wsm-cartera .tablewrap { overflow-x: auto; }\n\n #wsm-cartera .team { margin-top: 28px; display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px 32px; }\n #wsm-cartera .team div { border-left: 3px solid var(--gold); padding-left: 14px; }\n #wsm-cartera .team b { display: block; }\n #wsm-cartera .team span { color: var(--slate); font-size: 0.93rem; }\n\n #wsm-cartera details { border-top: 1px solid var(--line); padding: 16px 0; }\n #wsm-cartera details:last-of-type { border-bottom: 1px solid var(--line); }\n #wsm-cartera summary { cursor: pointer; font-weight: 600; }\n #wsm-cartera details p { margin-top: 10px; color: var(--slate); max-width: 64ch; }\n #wsm-cartera .faq { margin-top: 28px; }\n\n #wsm-cartera .cta { background: var(--pine); color: #fff; padding: 64px 0; }\n #wsm-cartera .cta .wrap { display: flex; justify-content: space-between; align-items: center; gap: 28px; flex-wrap: wrap; }\n #wsm-cartera .cta h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); max-width: 24ch; }\n #wsm-cartera .btn { display: inline-block; background: var(--gold); color: #1a1405; font-weight: 600; padding: 14px 24px; border-radius: 4px; text-decoration: none; }\n #wsm-cartera .btn:hover { background: #d6ab48; }\n\n #wsm-cartera .legal { background: #0d2623; color: #9fb5af; padding: 28px 0; font-size: 0.84rem; }\n #wsm-cartera .legal p + p { margin-top: 8px; }\n\n @media (max-width: 900px) {\n #wsm-cartera .hero-grid { grid-template-columns: 1fr; gap: 36px; }\n #wsm-cartera .features { grid-template-columns: 1fr; }\n }\n @media (max-width: 520px) {\n #wsm-cartera .fields { grid-template-columns: 1fr; }\n #wsm-cartera .stats { grid-template-columns: 1fr; }\n #wsm-cartera .calc { padding: 20px; }\n }\n<\/style>\n<\/head>\n<body>\n<div id=\"wsm-cartera\">\n\n <div class=\"top\">\n <div class=\"wrap\">\n <span class=\"brand\">WSM Inversiones<\/span>\n <a href=\"https:\/\/wsminversiones.com.ar\/landing\/\" target=\"_blank\" rel=\"noopener\">Ir al sitio de WSM<\/a>\n <\/div>\n <\/div>\n\n <header class=\"hero\">\n <div class=\"wrap hero-grid\">\n <div>\n <h1>Cartera modelo para tu retiro, en piloto autom\u00e1tico<\/h1>\n <p class=\"lead\">Una herramienta de inversi\u00f3n automatizada que invierte tus saldos l\u00edquidos en pesos o d\u00f3lares y apunta a generar ganancias en d\u00f3lares todos los a\u00f1os.<\/p>\n <ul class=\"facts\">\n <li>Rendimiento esperado: 7% anual<\/li>\n <li>Sin m\u00ednimos para empezar<\/li>\n <li>Liquidez en 24 horas, sin penalidades<\/li>\n <li>Comisi\u00f3n de gesti\u00f3n mensual de U$S10<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"calc\" role=\"group\" aria-labelledby=\"calc-title\">\n <h2 id=\"calc-title\">Proyect\u00e1 tu capital<\/h2>\n <p class=\"sub\">Mov\u00e9s los valores y ves c\u00f3mo crece tu cartera con el tiempo.<\/p>\n\n <div class=\"fields\">\n <div class=\"field\">\n <label for=\"inicial\">Capital inicial<\/label>\n <div class=\"money\"><span>U$S<\/span><input id=\"inicial\" type=\"number\" min=\"0\" step=\"100\" value=\"5000\" inputmode=\"decimal\"><\/div>\n <\/div>\n <div class=\"field\">\n <label for=\"aporte\">Aporte mensual<\/label>\n <div class=\"money\"><span>U$S<\/span><input id=\"aporte\" type=\"number\" min=\"0\" step=\"10\" value=\"200\" inputmode=\"decimal\"><\/div>\n <\/div>\n <div class=\"field full\">\n <label for=\"anios\">A\u00f1os hasta tu retiro <output id=\"o-anios\">20 a\u00f1os<\/output><\/label>\n <input id=\"anios\" type=\"range\" min=\"1\" max=\"40\" step=\"1\" value=\"20\">\n <\/div>\n <div class=\"field full\">\n <label for=\"tasa\">Rendimiento anual esperado <output id=\"o-tasa\">7%<\/output><\/label>\n <input id=\"tasa\" type=\"range\" min=\"1\" max=\"12\" step=\"0.5\" value=\"7\">\n <\/div>\n <div class=\"field full check\">\n <input id=\"fee\" type=\"checkbox\" checked>\n <label for=\"fee\" style=\"font-weight:500\">Descontar la comisi\u00f3n de gesti\u00f3n de U$S10 por mes<\/label>\n <\/div>\n <\/div>\n\n <div class=\"result\" aria-live=\"polite\">\n <p class=\"caption\">Capital estimado al final del plazo<\/p>\n <p class=\"big\" id=\"r-total\">U$S 0<\/p>\n <div class=\"stats\">\n <div class=\"stat\"><b id=\"r-aportes\">\u2013<\/b><span>Total que aportaste<\/span><\/div>\n <div class=\"stat\"><b id=\"r-gan\">\u2013<\/b><span>Ganancia estimada<\/span><\/div>\n <div class=\"stat\"><b id=\"r-renta\">\u2013<\/b><span>Renta mensual sin tocar el capital<\/span><\/div>\n <\/div>\n <div class=\"chart\">\n <svg id=\"chart\" viewBox=\"0 0 600 240\" role=\"img\" aria-label=\"Evoluci\u00f3n estimada del capital comparada con lo aportado\"><\/svg>\n <div class=\"legend\">\n <span class=\"a\"><i><\/i>Capital estimado<\/span>\n <span class=\"b\"><i><\/i>Lo que aportaste<\/span>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/header>\n\n <section class=\"block\">\n <div class=\"wrap\">\n <h2>C\u00f3mo funciona la cartera modelo<\/h2>\n <p class=\"intro\">Arm\u00e1s tu cuenta una vez y la herramienta se ocupa del resto. Siempre ten\u00e9s a un asesor matriculado para consultas.<\/p>\n <div class=\"features\">\n <div class=\"feature\"><h3>Inversi\u00f3n autom\u00e1tica<\/h3><p>Tus saldos l\u00edquidos, en pesos o en d\u00f3lares, se invierten solos. No ten\u00e9s que decidir cada operaci\u00f3n.<\/p><\/div>\n <div class=\"feature\"><h3>Ganancias en d\u00f3lares<\/h3><p>La cartera est\u00e1 pensada para generar resultados en d\u00f3lares a\u00f1o a a\u00f1o, con un rendimiento esperado del 7% anual.<\/p><\/div>\n <div class=\"feature\"><h3>Videollamada de bienvenida<\/h3><p>Te presentamos la plataforma y resolvemos tus dudas antes de empezar.<\/p><\/div>\n <div class=\"feature\"><h3>Asesor por WhatsApp<\/h3><p>Un asesor id\u00f3neo est\u00e1 disponible para responder tus consultas por el canal que ya us\u00e1s.<\/p><\/div>\n <div class=\"feature\"><h3>Liquidez en 24 horas<\/h3><p>Pod\u00e9s retirar tu dinero en 24 horas, sin penalidades.<\/p><\/div>\n <div class=\"feature\"><h3>Costo claro<\/h3><p>Comisi\u00f3n de gesti\u00f3n mensual de U$S10. Sin m\u00ednimos de inversi\u00f3n.<\/p><\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"block alt\">\n <div class=\"wrap\">\n <h2>Condiciones del servicio<\/h2>\n <div class=\"tablewrap\">\n <table class=\"cond\">\n <tbody>\n <tr><th scope=\"row\">Modalidad<\/th><td>Herramienta de inversi\u00f3n automatizada, Piloto Autom\u00e1tico.<\/td><\/tr>\n <tr><th scope=\"row\">Rendimiento esperado<\/th><td>7% anual. Es una expectativa, no una garant\u00eda.<\/td><\/tr>\n <tr><th scope=\"row\">Monto m\u00ednimo<\/th><td>Sin m\u00ednimos.<\/td><\/tr>\n <tr><th scope=\"row\">Comisi\u00f3n de gesti\u00f3n<\/th><td>U$S10 por mes.<\/td><\/tr>\n <tr><th scope=\"row\">Liquidez<\/th><td>24 horas, sin penalidades.<\/td><\/tr>\n <tr><th scope=\"row\">Atenci\u00f3n<\/th><td>Asesor id\u00f3neo disponible por WhatsApp.<\/td><\/tr>\n <tr><th scope=\"row\">Otros brokers<\/th><td>Si ya ten\u00e9s cuenta en Inviu, Balanz Capital o Invertir Online, tambi\u00e9n podemos trabajar juntos.<\/td><\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"block\">\n <div class=\"wrap\">\n <h2>Qui\u00e9nes te acompa\u00f1an<\/h2>\n <p class=\"intro\">WSM Inversiones es una firma de asesoramiento financiero burs\u00e1til. Su equipo est\u00e1 formado por asesores id\u00f3neos matriculados en la Comisi\u00f3n Nacional de Valores.<\/p>\n <div class=\"team\">\n <div><b>Walter Saqueta Melo<\/b><span>Fundador, m\u00e1s de quince a\u00f1os de experiencia<\/span><\/div>\n <div><b>Martin Pe\u00f1a Altare<\/b><span>Asesor financiero<\/span><\/div>\n <div><b>Florencia Guarino<\/b><span>Contadora p\u00fablica y asesora id\u00f3nea<\/span><\/div>\n <div><b>Ayrton Merklen<\/b><span>Licenciado en Econom\u00eda, asesor financiero<\/span><\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"block alt\">\n <div class=\"wrap\">\n <h2>Preguntas frecuentes<\/h2>\n <div class=\"faq\">\n <details>\n <summary>\u00bfLa calculadora garantiza ese resultado?<\/summary>\n <p>No. Es una proyecci\u00f3n que usa el rendimiento anual que vos elijas (por defecto, el 7% esperado). Los rendimientos reales pueden ser distintos.<\/p>\n <\/details>\n <details>\n <summary>\u00bfC\u00f3mo se calcula la renta mensual?<\/summary>\n <p>Es el rendimiento anual aplicado al capital final, dividido en 12. Es lo que podr\u00edas retirar cada mes sin consumir el capital, si se mantuviera ese rendimiento.<\/p>\n <\/details>\n <details>\n <summary>\u00bfPuedo retirar mi dinero cuando quiera?<\/summary>\n <p>S\u00ed. La liquidez es en 24 horas y sin penalidades.<\/p>\n <\/details>\n <\/div>\n <\/div>\n <\/section>\n\n <section class=\"cta\">\n <div class=\"wrap\">\n <h2>Empez\u00e1 con una videollamada de bienvenida<\/h2>\n <a class=\"btn\" href=\"https:\/\/wsminversiones.com.ar\/landing\/#servicios\" target=\"_blank\" rel=\"noopener\">Pedir informaci\u00f3n<\/a>\n <\/div>\n <\/section>\n\n <footer class=\"legal\">\n <div class=\"wrap\">\n <p>Las proyecciones de esta p\u00e1gina son estimaciones con fines informativos. No constituyen una promesa de rendimiento. Toda inversi\u00f3n implica riesgo, y los resultados pasados o esperados no aseguran resultados futuros.<\/p>\n <p>WSM Inversiones. Asesores id\u00f3neos matriculados en la Comisi\u00f3n Nacional de Valores.<\/p>\n <\/div>\n <\/footer>\n<\/div>\n\n<script>\n(function () {\n var $ = function (id) { return document.getElementById(id); };\n var nf = new Intl.NumberFormat(\"es-AR\", { maximumFractionDigits: 0 });\n var usd = function (n) { return \"U$S \" + nf.format(Math.round(n)); };\n\n function project(inicial, aporte, anios, tasa, fee) {\n var rm = Math.pow(1 + tasa \/ 100, 1 \/ 12) - 1;\n var bal = inicial, put = inicial, pts = [{ y: 0, bal: bal, put: put }];\n for (var m = 1; m <= anios * 12; m++) {\n bal = bal * (1 + rm) + aporte - (fee ? 10 : 0);\n if (bal < 0) bal = 0;\n put += aporte;\n if (m % 12 === 0) pts.push({ y: m \/ 12, bal: bal, put: put });\n }\n return pts;\n }\n\n function draw(pts) {\n var W = 600, H = 240, L = 56, R = 12, T = 12, B = 28;\n var maxY = Math.max.apply(null, pts.map(function (p) { return Math.max(p.bal, p.put); })) || 1;\n var n = pts.length - 1 || 1;\n var x = function (i) { return L + (W - L - R) * i \/ n; };\n var y = function (v) { return H - B - (H - T - B) * v \/ maxY; };\n var s = \"\";\n for (var g = 0; g <= 4; g++) {\n var v = maxY * g \/ 4, yy = y(v);\n s += '<line x1=\"' + L + '\" x2=\"' + (W - R) + '\" y1=\"' + yy + '\" y2=\"' + yy + '\" stroke=\"#d5dedb\" stroke-width=\"1\"\/>';\n s += '<text x=\"' + (L - 8) + '\" y=\"' + (yy + 4) + '\" text-anchor=\"end\" font-size=\"11\" fill=\"#587068\">' + (v >= 1000 ? nf.format(Math.round(v \/ 1000)) + \" mil\" : nf.format(Math.round(v))) + '<\/text>';\n }\n var area = \"M\" + x(0) + \",\" + y(0);\n pts.forEach(function (p, i) { area += \" L\" + x(i) + \",\" + y(p.bal); });\n area += \" L\" + x(pts.length - 1) + \",\" + y(0) + \" Z\";\n s += '<path d=\"' + area + '\" fill=\"#1c4a44\" fill-opacity=\"0.85\"\/>';\n var line = pts.map(function (p, i) { return (i ? \"L\" : \"M\") + x(i) + \",\" + y(p.put); }).join(\" \");\n s += '<path d=\"' + line + '\" fill=\"none\" stroke=\"#c49a3a\" stroke-width=\"2.5\" stroke-dasharray=\"6 4\"\/>';\n var step = Math.max(1, Math.ceil(n \/ 8));\n pts.forEach(function (p, i) {\n if (i % step === 0 || i === n) s += '<text x=\"' + x(i) + '\" y=\"' + (H - 8) + '\" text-anchor=\"middle\" font-size=\"11\" fill=\"#587068\">' + p.y + (i === n ? \" a\u00f1os\" : \"\") + '<\/text>';\n });\n $(\"chart\").innerHTML = s;\n }\n\n function update() {\n var inicial = Math.max(0, parseFloat($(\"inicial\").value) || 0);\n var aporte = Math.max(0, parseFloat($(\"aporte\").value) || 0);\n var anios = parseInt($(\"anios\").value, 10);\n var tasa = parseFloat($(\"tasa\").value);\n var fee = $(\"fee\").checked;\n $(\"o-anios\").textContent = anios + (anios === 1 ? \" a\u00f1o\" : \" a\u00f1os\");\n $(\"o-tasa\").textContent = String(tasa).replace(\".\", \",\") + \"%\";\n var pts = project(inicial, aporte, anios, tasa, fee);\n var last = pts[pts.length - 1];\n $(\"r-total\").textContent = usd(last.bal);\n $(\"r-aportes\").textContent = usd(last.put);\n $(\"r-gan\").textContent = usd(Math.max(0, last.bal - last.put));\n $(\"r-renta\").textContent = usd(last.bal * (tasa \/ 100) \/ 12);\n draw(pts);\n }\n\n [\"inicial\", \"aporte\", \"anios\", \"tasa\", \"fee\"].forEach(function (id) {\n $(id).addEventListener(\"input\", update);\n $(id).addEventListener(\"change\", update);\n });\n update();\n})();\n<\/script>\n<\/body>\n<\/html>\n","protected":false},"excerpt":{"rendered":"<p>Cartera Modelo \u2013 WSM Inversiones | Calcul\u00e1 tu retiro WSM Inversiones Ir al sitio de WSM Cartera modelo para tu retiro, en piloto autom\u00e1tico Una herramienta de inversi\u00f3n automatizada que invierte tus saldos l\u00edquidos en pesos o d\u00f3lares y apunta a generar ganancias en d\u00f3lares todos los a\u00f1os. Rendimiento esperado: 7% anual Sin m\u00ednimos para […]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-19","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/pages\/19","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/comments?post=19"}],"version-history":[{"count":2,"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/pages\/19\/revisions"}],"predecessor-version":[{"id":28,"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/pages\/19\/revisions\/28"}],"wp:attachment":[{"href":"https:\/\/calculaturetiro.com.ar\/hoy\/wp-json\/wp\/v2\/media?parent=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}