{"id":3606,"date":"2023-03-10T01:36:00","date_gmt":"2023-03-10T06:36:00","guid":{"rendered":"https:\/\/patriotfcu.pixelspoke-staging.com\/?p=3606"},"modified":"2024-05-02T11:54:55","modified_gmt":"2024-05-02T15:54:55","slug":"que-es-una-escalera-de-certificado-de-acciones","status":"publish","type":"post","link":"https:\/\/www.patriotfcu.org\/es\/blog\/what-is-a-share-certificate-ladder\/","title":{"rendered":"\u00bfQu\u00e9 es una escalera de certificados de acciones?"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blog-post-hero\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<header class=\"single_post--header co-post_hero light co-page_hero__has_image\" aria-label=\"Encabezado de la publicaci\u00f3n: \u00bfQu\u00e9 es una escalera de certificados de acciones?\">\n\t\t<h1 class=\"single_post--title\">\u00bfQu\u00e9 es una escalera de certificados de acciones?<\/h1>\n\t\t<p class=\"single_post--category\"><a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/category\/personal-finance\/\" rel=\"category tag\">Finanzas personales<\/a><\/p>\n\t\t<p class=\"single_post--date\">marzo 10, 2023<\/p>\n\t\t<div class=\"single_post--social-share\">Compartir en<div class=\"co-social_share a2a_kit a2a_default_style\">\n\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/what-is-a-share-certificate-ladder\/\"\n\t\t\tdata-sharetitle=\"What is a Share Certificate Ladder?\"\n\t\t\tdata-shareservice=\"facebook\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.738\" height=\"32.746\" viewbox=\"0 0 17.738 32.746\">\n  <path id=\"Path_690\" data-name=\"Path 690\" d=\"M89.242,351.968H83.868c-.59,0-1.269.715-1.269,1.787V356.4h6.648v6.648H82.6v15.013h-6.21V363.049h-4.88V356.4h4.88v-2.59c0-4.469,3.355-8.494,7.479-8.494h5.374Z\" transform=\"translate(-71.509 -345.317)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/what-is-a-share-certificate-ladder\/\"\n\t\t\tdata-sharetitle=\"What is a Share Certificate Ladder?\"\n\t\t\tdata-shareservice=\"linkedin\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29.324\" height=\"29.282\" viewbox=\"0 0 29.324 29.282\">\n  <path id=\"Path_689\" data-name=\"Path 689\" d=\"M496.424,377.52h-6.047V358h6.047Zm-3.048-22.078a3.6,3.6,0,1,1,3.571-3.632v.032a3.587,3.587,0,0,1-3.571,3.6m25.692,22.078h-6.012V367.272c0-2.81-1.069-4.379-3.29-4.379-2.421,0-3.681,1.635-3.681,4.379v10.248h-5.8V358h5.8v2.629a6.8,6.8,0,0,1,5.879-3.225c4.141,0,7.1,2.528,7.1,7.756Z\" transform=\"translate(-489.743 -348.239)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t<\/div><\/div>\n\t\t\t\t<div class=\"single_post--img_wrap\">\n\t\t\t<div class=\"single_post--img_wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"721\" src=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/What-is-a-Share-Certificate-ladder-1.jpg\" class=\"attachment-full size-full\" alt=\"Montones de monedas en crecimiento con peque\u00f1as plantas encima\"  srcset=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/What-is-a-Share-Certificate-ladder-1.jpg 1100w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/What-is-a-Share-Certificate-ladder-1-540x354.jpg 540w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/What-is-a-Share-Certificate-ladder-1-730x478.jpg 730w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/What-is-a-Share-Certificate-ladder-1-768x503.jpg 768w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/What-is-a-Share-Certificate-ladder-1-18x12.jpg 18w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/What-is-a-Share-Certificate-ladder-1-396x260.jpg 396w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/What-is-a-Share-Certificate-ladder-1-800x524.jpg 800w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/What-is-a-Share-Certificate-ladder-1-75x49.jpg 75w\" sizes=\"auto, (max-width: 1100px) 100vw, 1100px\" \/><\/div>\t\t<\/div>\n\t\t<p class=\"single_post--summary\">\n\t\t\t\u00bfHas o\u00eddo hablar alguna vez de escalar tus certificados? Una escalera de certificados de acciones es una estrategia de inversi\u00f3n con beneficios tanto a corto como a largo plazo. Como probablemente sepa, un certificado de acciones, a menudo denominado certificado de dep\u00f3sito en un banco, paga una tasa de dividendo fija o una tasa de inter\u00e9s durante un per\u00edodo de tiempo o plazo espec\u00edfico. El m\u00e9todo de &quot;escalonamiento&quot; combina certificados de acciones a corto plazo que ofrecen tasas m\u00e1s bajas y acceso m\u00e1s frecuente a su dinero, con certificados de acciones a m\u00e1s largo plazo que ganan m\u00e1s pero ofrecen menos acceso a su dinero.\t\t<\/p>\n\t<\/header><!-- .entry_header -->\n\t\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start justify-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:12\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><p>Crear una escalera de certificados de acciones es f\u00e1cil de hacer y se puede configurar a trav\u00e9s de la cooperativa de cr\u00e9dito utilizando certificados de acciones regulares. Para crear una escalera de certificados de acciones, compre varios certificados con fechas de vencimiento escalonadas. Las escalas de certificados m\u00e1s comunes est\u00e1n configuradas para vencer mensualmente, trimestralmente o anualmente; sin embargo, usted puede modificar la escala para adaptarla a sus necesidades. A medida que cada certificado vence, puede devolver el dinero a la escalera o retirarlo y utilizar los fondos.<\/p>\n<h2>Construyendo la escalera<\/h2>\n<p data-uw-rm-sr=\"\">He aqu\u00ed un ejemplo de una escalera de certificados de acciones con vencimiento anual: digamos que tiene $5,000 para invertir, por lo que comprar\u00e1 cinco certificados de acciones de $1,000. El primer certificado vencer\u00e1 en 12 meses, el segundo en 24, el tercero en 36, el cuarto en 48 y el certificado final vencer\u00e1 en 60 meses. Despu\u00e9s de que haya pasado un a\u00f1o, su certificado de 12 meses habr\u00e1 vencido. Por lo general, si no necesita los fondos, puede devolver el dinero a la escalera comprando un nuevo certificado de acciones a 60 meses. A partir de ese momento, usted agrega un nuevo pelda\u00f1o a la escalera con la compra de un nuevo certificado de acciones de 60 meses cada a\u00f1o a medida que vence su pr\u00f3ximo certificado.<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"104\">12 meses<\/td>\n<td width=\"104\">24 meses<\/td>\n<td width=\"104\">36 meses<\/td>\n<td width=\"104\">48 meses<\/td>\n<td width=\"104\">60 meses<\/td>\n<td width=\"104\">60 meses<\/td>\n<\/tr>\n<tr>\n<td width=\"104\" data-uw-rm-sr=\"\">$1,000<\/td>\n<td width=\"104\" data-uw-rm-sr=\"\">$1,000<\/td>\n<td width=\"104\" data-uw-rm-sr=\"\">$1,000<\/td>\n<td width=\"104\" data-uw-rm-sr=\"\">$1,000<\/td>\n<td width=\"104\" data-uw-rm-sr=\"\">$1,000<\/td>\n<td width=\"104\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-3608\" src=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Certificate-Ladder-JPG-540x46.jpg\" alt=\"Escalera de certificado JPG\" width=\"540\" height=\"46\" srcset=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Certificate-Ladder-JPG-540x46.jpg 540w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Certificate-Ladder-JPG-18x2.jpg 18w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Certificate-Ladder-JPG-396x34.jpg 396w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Certificate-Ladder-JPG-75x6.jpg 75w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Certificate-Ladder-JPG.jpg 571w\" sizes=\"auto, (max-width: 540px) 100vw, 540px\" \/><\/p>\n<p>Por este motivo, no desea que todos los certificados alcancen autom\u00e1ticamente el vencimiento original. La excepci\u00f3n a esto es el certificado de 60 meses: la renovaci\u00f3n autom\u00e1tica funciona perfectamente en este caso para respaldar el enfoque de escalera.<\/p>\n<p>Si bien puede elegir que le paguen dividendos o capitalizarlos, muchos miembros descubren que recibir los dividendos mensualmente aumenta su flujo de ingresos. En Patriot, los dividendos se pueden pagar autom\u00e1ticamente mensualmente mediante transferencia del certificado a otra cuenta de acciones.<\/p>\n<p>Esta t\u00e9cnica de escalera le permite no solo fijar algunas tasas m\u00e1s altas asociadas con los certificados de acciones a largo plazo, sino que los certificados a corto plazo le permiten aprovechar el mercado, en caso de que las tasas suban. Adem\u00e1s, dado que no inmoviliza todo su dinero, nunca estar\u00e1 a m\u00e1s de un a\u00f1o de distancia de al menos una parte, como en el caso de una escalera con vencimiento anual. La penalizaci\u00f3n por retiro anticipado se basa en el plazo del certificado de acciones.<\/p>\n<p data-uw-rm-sr=\"\">El dep\u00f3sito m\u00ednimo para abrir un certificado es $1,000 en Patriot Federal Credit Union y la tasa de dividendo se fija durante el plazo. Patriot tambi\u00e9n ofrece un Certificado de Ahorro Continuo con una tasa de dividendo fija, pero tambi\u00e9n ofrece a los miembros la posibilidad de realizar dep\u00f3sitos en el certificado.<\/p>\n<p>Si est\u00e1 interesado en configurar una escalera de certificados, visite cualquier sucursal de Patriot o ll\u00e1menos al 888-777-9982.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Divulgaciones<\/h2>\n\t\t<div class=\"co-disclosures--content\">\n\t\t\t\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Esta cooperativa de cr\u00e9dito est\u00e1 asegurada a nivel federal por la Administraci\u00f3n Nacional de Cooperativas de Cr\u00e9dito.<\/p>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Prestamista de vivienda equitativa<\/p>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00bfHas o\u00eddo hablar alguna vez de escalar tus certificados? Una escalera de certificados de acciones es una estrategia de inversi\u00f3n con beneficios tanto a corto como a largo plazo. Como probablemente sepa, un certificado de acciones, a menudo denominado certificado de dep\u00f3sito en un banco, paga una tasa de dividendo fija o una tasa de inter\u00e9s durante un per\u00edodo de tiempo o plazo espec\u00edfico. El m\u00e9todo de &quot;escalonamiento&quot; combina certificados de acciones a corto plazo que ofrecen tasas m\u00e1s bajas y acceso m\u00e1s frecuente a su dinero, con certificados de acciones a m\u00e1s largo plazo que ganan m\u00e1s pero ofrecen menos acceso a su dinero. <a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/what-is-a-share-certificate-ladder\/\">sigue leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":12,"featured_media":3796,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"_searchwp_excluded":"","footnotes":""},"categories":[23],"tags":[],"class_list":["post-3606","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is a Share Certificate Ladder? - Patriot Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.patriotfcu.org\/es\/blog\/que-es-una-escalera-de-certificado-de-acciones\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a Share Certificate Ladder? - Patriot Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"Ever heard of laddering your certificates? A Share Certificate ladder is an investment strategy with both short- and long-term benefits. As you probably know, a share certificate, often referred to as a certificate of deposit at a bank, pays a fixed dividend rate or rate of interest for a specific period of time or term. The \u2018laddering\u2019 method combines shorter term share certificates that offer lower rates and more frequent access to your money, with longer term share certificates which earn more but offer less access to your money. Continue reading &rarr;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.patriotfcu.org\/es\/blog\/que-es-una-escalera-de-certificado-de-acciones\/\" \/>\n<meta property=\"og:site_name\" content=\"Patriot Federal Credit Union\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-10T06:36:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-02T15:54:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/What-is-a-Share-Certificate-ladder-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1100\" \/>\n\t<meta property=\"og:image:height\" content=\"721\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ken Ditzler\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ken Ditzler\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/what-is-a-share-certificate-ladder\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/what-is-a-share-certificate-ladder\\\/\"},\"author\":{\"name\":\"Ken Ditzler\",\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/#\\\/schema\\\/person\\\/64f7330195a0ff0acbd56677fe8baab3\"},\"headline\":\"What is a Share Certificate Ladder?\",\"datePublished\":\"2023-03-10T06:36:00+00:00\",\"dateModified\":\"2024-05-02T15:54:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/what-is-a-share-certificate-ladder\\\/\"},\"wordCount\":6,\"image\":{\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/what-is-a-share-certificate-ladder\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.patriotfcu.org\\\/wp-content\\\/uploads\\\/What-is-a-Share-Certificate-ladder-1.jpg\",\"articleSection\":[\"Personal Finance\"],\"inLanguage\":\"es-ES\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/what-is-a-share-certificate-ladder\\\/\",\"url\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/what-is-a-share-certificate-ladder\\\/\",\"name\":\"What is a Share Certificate Ladder? 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- Cooperativa de cr\u00e9dito federal Patriota","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.patriotfcu.org\/es\/blog\/que-es-una-escalera-de-certificado-de-acciones\/","og_locale":"es_ES","og_type":"article","og_title":"What is a Share Certificate Ladder? - Patriot Federal Credit Union","og_description":"Ever heard of laddering your certificates? A Share Certificate ladder is an investment strategy with both short- and long-term benefits. As you probably know, a share certificate, often referred to as a certificate of deposit at a bank, pays a fixed dividend rate or rate of interest for a specific period of time or term. The \u2018laddering\u2019 method combines shorter term share certificates that offer lower rates and more frequent access to your money, with longer term share certificates which earn more but offer less access to your money. 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