{"id":2223,"date":"2026-08-05T20:52:36","date_gmt":"2026-08-05T20:52:36","guid":{"rendered":"https:\/\/prrefund.com\/?page_id=2223"},"modified":"2026-08-19T16:03:57","modified_gmt":"2026-08-19T16:03:57","slug":"investment-simulator","status":"publish","type":"page","link":"https:\/\/prrefund.com\/en\/investment-simulator\/","title":{"rendered":"Simulador de Inversi\u00f3n"},"content":{"rendered":"\n<div id=\"prre-sim-v3\" class=\"prre-v3\">\n  <div class=\"prre-v3-card\">\n    <header class=\"prre-v3-head\">\n      <span class=\"prre-v3-kicker\">Simulador de inversi\u00f3n y ahorro en impuestos<\/span>\n      <h2>Compara una inversi\u00f3n regular con una inversi\u00f3n en PRRE<\/h2>\n      <p>\n        Indica si eres residente de Puerto Rico, cu\u00e1nto deseas invertir y tu ingreso tributable anual.\n        El simulador estima los rendimientos durante 24 meses y, cuando corresponda, el efecto potencial\n        de la superdeducci\u00f3n del 60% de la inversi\u00f3n, disponible para\n        <span class=\"prre-v3-info-term\" tabindex=\"0\">\n          inversionistas acreditados\n          <span class=\"prre-v3-info-icon\" aria-hidden=\"true\">i<\/span>\n          <span class=\"prre-v3-info-box\">\n            <strong>\u00bfQu\u00e9 es un inversionista acreditado?<\/strong>\n            <span class=\"prre-v3-info-lead\">\n              Para una persona natural, basta con cumplir <u>uno<\/u> de los siguientes criterios;\n              no es necesario cumplirlos todos:\n            <\/span>\n            <span class=\"prre-v3-info-item\"><b>\u2022 Patrimonio neto:<\/b> m\u00e1s de $1,000,000, individualmente o junto con c\u00f3nyuge o pareja, excluyendo la residencia principal.<\/span>\n            <span class=\"prre-v3-info-item\"><b>\u2022 Ingresos:<\/b> m\u00e1s de $200,000 individualmente, o m\u00e1s de $300,000 junto con c\u00f3nyuge o pareja, en cada uno de los dos a\u00f1os anteriores, con expectativa razonable de alcanzar el mismo nivel en el a\u00f1o actual.<\/span>\n            <span class=\"prre-v3-info-item\"><b>\u2022 Licencias profesionales:<\/b> tener en buen estado una licencia Series 7, Series 65 o Series 82.<\/span>\n            <span class=\"prre-v3-info-item\"><b>\u2022 Relaci\u00f3n con el emisor:<\/b> ser director, ejecutivo principal o socio general de la compa\u00f1\u00eda que emite los valores, o de un socio general de esa compa\u00f1\u00eda.<\/span>\n            <span class=\"prre-v3-info-item\"><b>\u2022 Private fund:<\/b> ser un \u201cknowledgeable employee\u201d del fondo privado, para una inversi\u00f3n en ese fondo.<\/span>\n            <span class=\"prre-v3-info-item\"><b>\u2022 Family office:<\/b> ser \u201cfamily client\u201d de un family office que califique como inversionista acreditado y cumpla los requisitos aplicables.<\/span>\n            <span class=\"prre-v3-info-foot\">\n              Estos criterios son alternativos y corresponden a personas naturales. Existen criterios diferentes para entidades.\n            <\/span>\n          <\/span>\n        <\/span>\n        residentes de Puerto Rico.\n      <\/p>\n    <\/header>\n\n    <section class=\"prre-v3-form\" aria-label=\"Datos del inversionista\">\n      <div class=\"prre-v3-field\">\n        <span class=\"prre-v3-label\">\u00bfEres residente de Puerto Rico?<\/span>\n        <small>\n          La superdeducci\u00f3n se calcula \u00fanicamente para un inversionista acreditado residente de Puerto Rico\n          que cumpla los dem\u00e1s requisitos aplicables.\n        <\/small>\n\n        <div class=\"prre-v3-radios\">\n          <label>\n            <input type=\"radio\" name=\"prreV3Resident\" value=\"yes\" checked=\"\">\n            <span>\n              <b>S\u00ed<\/b>\n              <small>Soy residente de Puerto Rico<\/small>\n            <\/span>\n          <\/label>\n\n          <label>\n            <input type=\"radio\" name=\"prreV3Resident\" value=\"no\">\n            <span>\n              <b>No<\/b>\n              <small>No soy residente de Puerto Rico<\/small>\n            <\/span>\n          <\/label>\n        <\/div>\n      <\/div>\n\n      <div id=\"prreV3InputGrid\" class=\"prre-v3-grid2\">\n        <div class=\"prre-v3-field prre-v3-money\">\n          <span class=\"prre-v3-label\">Monto que deseas invertir<\/span>\n          <small>La inversi\u00f3n m\u00ednima utilizada en este simulador es de $50,000.<\/small>\n          <input id=\"prreV3Investment\" type=\"text\" inputmode=\"numeric\" value=\"$250,000\" autocomplete=\"off\">\n\n          <div class=\"prre-v3-return-mode-wrap\">\n            <span class=\"prre-v3-return-mode-label\">\u00bfC\u00f3mo deseas calcular los rendimientos?<\/span>\n\n            <div class=\"prre-v3-return-mode-options\">\n              <label class=\"prre-v3-return-mode-option has-mini-tooltip\">\n                <input type=\"radio\" name=\"prreV3ReturnMode\" value=\"compound\" checked>\n                <span>\n                  <b>Compuesto<\/b>\n                  <small>Capitalizaci\u00f3n mensual<\/small>\n                <\/span>\n                <span class=\"prre-v3-mini-tip\">\n                  El preferred return se calcula cada mes y se reinvierte. Cada rendimiento mensual se suma al balance\n                  y participa en el c\u00e1lculo del mes siguiente durante los 24 meses.\n                <\/span>\n              <\/label>\n\n              <label class=\"prre-v3-return-mode-option has-mini-tooltip\">\n                <input type=\"radio\" name=\"prreV3ReturnMode\" value=\"monthly\">\n                <span>\n                  <b>Mensual<\/b>\n                  <small>Sin capitalizar<\/small>\n                <\/span>\n                <span class=\"prre-v3-mini-tip\">\n                  El preferred return se recibe mensualmente y no se reinvierte. La tasa anual se calcula siempre\n                  sobre el capital original. Por ejemplo, 11% anual equivale a 11% por a\u00f1o, sin inter\u00e9s compuesto.\n                <\/span>\n              <\/label>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <label id=\"prreV3IncomeField\" class=\"prre-v3-field prre-v3-money\">\n          <span class=\"prre-v3-label\">Ingreso tributable anual<\/span>\n          <small id=\"prreV3IncomeHelp\">\n            Ingreso tributable anual en Puerto Rico antes de aplicar la superdeducci\u00f3n.\n          <\/small>\n          <input id=\"prreV3Income\" type=\"text\" inputmode=\"numeric\" value=\"$150,000\" autocomplete=\"off\">\n        <\/label>\n      <\/div>\n\n      <div id=\"prreV3TaxModeField\" class=\"prre-v3-tax-mode-field\">\n        <div class=\"prre-v3-tax-mode-head\">\n          <span class=\"prre-v3-label\">\u00bfC\u00f3mo tributa este ingreso?<\/span>\n          <small>\n            Selecciona el tratamiento que mejor representa el ingreso tributable anual que deseas modelar.\n            Esta selecci\u00f3n se utiliza \u00fanicamente para estimar el ahorro en impuestos generado por la superdeducci\u00f3n del 60%.\n            El 15% utilizado para comparar los rendimientos de una compa\u00f1\u00eda regular con PRRE se calcula por separado.\n          <\/small>\n        <\/div>\n\n        <div class=\"prre-v3-tax-options\">\n          <label class=\"prre-v3-tax-option\">\n            <input type=\"radio\" name=\"prreV3TaxMode\" value=\"ordinary\" checked=\"\">\n            <span>\n              <b>Tributaci\u00f3n ordinaria<\/b>\n              <small>\n                Usa la escala progresiva ordinaria: 0%, 7%, 14%, 25% y 33% seg\u00fan el tramo de ingreso, con una tasa marginal m\u00e1xima de 33%.\n              <\/small>\n            <\/span>\n          <\/label>\n\n          <label class=\"prre-v3-tax-option\">\n            <input type=\"radio\" name=\"prreV3TaxMode\" value=\"flat15\">\n            <span>\n              <b>15% \u2014 Tasa fija<\/b>\n              <small>\n                \u00dasala si el ingreso que deseas modelar est\u00e1 sujeto principalmente a una tasa fija de 15%, por ejemplo, ciertos ingresos por dividendos.\n              <\/small>\n            <\/span>\n          <\/label>\n\n          <label class=\"prre-v3-tax-option\">\n            <input type=\"radio\" name=\"prreV3TaxMode\" value=\"flat4\">\n            <span>\n              <b>4% \u2014 Tasa preferencial Ley 60<\/b>\n              <small>\n                Para ciertos ingresos de un Individuo Residente Inversionista (antes Ley 22). La tasa aplicable depende del decreto y de la fecha de solicitud; confirma tu caso con tu CPA.\n              <\/small>\n            <\/span>\n          <\/label>\n\n          <label class=\"prre-v3-tax-option\">\n            <input type=\"radio\" name=\"prreV3TaxMode\" value=\"custom\">\n            <span>\n              <b>Otra tasa<\/b>\n              <small>\n                Selecciona esta opci\u00f3n para utilizar una tasa fija estimada distinta.\n              <\/small>\n            <\/span>\n          <\/label>\n        <\/div>\n\n        <div id=\"prreV3CustomRateWrap\" class=\"prre-v3-custom-rate\" hidden=\"\">\n          <label for=\"prreV3CustomRate\">\n            <span>Tasa estimada<\/span>\n            <small>Escribe el porcentaje que deseas utilizar para modelar el ahorro por la superdeducci\u00f3n.<\/small>\n          <\/label>\n          <div class=\"prre-v3-rate-input\">\n            <input id=\"prreV3CustomRate\" type=\"number\" min=\"0\" max=\"100\" step=\"0.01\" value=\"25\" inputmode=\"decimal\">\n            <span>%<\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"prre-v3-actions\">\n        <button id=\"prreV3Calculate\" type=\"button\">CALCULAR BENEFICIOS<\/button>\n        <p id=\"prreV3Error\" role=\"alert\"><\/p>\n      <\/div>\n    <\/section>\n\n    <div id=\"prreV3Results\" class=\"prre-v3-results\" hidden=\"\">\n      <section class=\"prre-v3-summary\">\n        <div class=\"prre-v3-summary-head\">\n          <div>\n            <span class=\"prre-v3-kicker light\">Resumen de la inversi\u00f3n en PRRE<\/span>\n            <h3>Rendimientos, ahorro en impuestos y retorno estimado<\/h3>\n          <\/div>\n        <\/div>\n\n        <div class=\"prre-v3-summary-group\">\n          <div class=\"prre-v3-summary-label\">Proyecci\u00f3n total<\/div>\n          <div class=\"prre-v3-metrics\">\n            <article class=\"has-tooltip\" tabindex=\"0\">\n              <small id=\"prreV3TotalReturnTitle\">Rendimiento total de PRRE en 24 meses \u2014 escenario compuesto<\/small>\n              <b id=\"prreV3TotalReturn\">$0<\/b>\n              <em id=\"prreV3TotalReturnPct\">0% de la inversi\u00f3n<\/em>\n              <span id=\"prreV3TotalReturnTip\" class=\"prre-v3-card-tip\">\n                Este escenario supone que el inversionista deja el preferred return dentro de la inversi\u00f3n durante los 24 meses.\n                La tasa anual correspondiente se divide entre 12 y el rendimiento se capitaliza cada mes.\n                Por ejemplo, una inversi\u00f3n de $1,000,000 al 11% anual genera aproximadamente $9,166.67 el primer mes;\n                ese rendimiento se suma al capital y el mes siguiente se calcula sobre el nuevo balance.\n              <\/span>\n            <\/article>\n\n            <article class=\"has-tooltip\" tabindex=\"0\">\n              <small>Ahorro por 0% de impuestos sobre rendimientos de PRRE<\/small>\n              <b id=\"prreV3TotalDividendSavings\">$0<\/b>\n              <em id=\"prreV3TotalDividendSavingsPct\">0% de la inversi\u00f3n<\/em>\n              <span class=\"prre-v3-card-tip\">\n                Esta simulaci\u00f3n asume que los proyectos se integran al programa Opportunity Zone y que,\n                bajo esa estructura, los rendimientos elegibles distribuidos al inversionista est\u00e1n exentos\n                del impuesto de 15% sobre dividendos en Puerto Rico. El resultado es ilustrativo y debe\n                confirmarse con su CPA o asesor fiscal.\n              <\/span>\n            <\/article>\n\n            <article id=\"prreV3TotalSuperCard\" class=\"has-tooltip\" tabindex=\"0\">\n              <small id=\"prreV3TotalSuperSavingsTitle\">Ahorro estimado en impuestos por superdeducci\u00f3n del 60%<\/small>\n              <b id=\"prreV3TotalSuperSavings\">$0<\/b>\n              <em id=\"prreV3TotalSuperSavingsPct\">0% de la inversi\u00f3n<\/em>\n              <span class=\"prre-v3-card-tip\">\n                Para residentes elegibles, esta simulaci\u00f3n asume que la inversi\u00f3n en PRRE se realiza a trav\u00e9s\n                de uno de los fondos de capital privado con los que PRRE mantiene convenio. Bajo el supuesto\n                utilizado, el inversionista obtiene una superdeducci\u00f3n equivalente al 60% de su inversi\u00f3n y\n                puede utilizar cada a\u00f1o hasta un monto equivalente al 30% de su ingreso tributable anual antes de la\n                deducci\u00f3n, trasladando el saldo restante a los a\u00f1os siguientes dentro del per\u00edodo aplicable. El ahorro en impuestos se estima usando el tratamiento fiscal seleccionado por el inversionista.\n              <\/span>\n            <\/article>\n\n            <article class=\"prre-v3-roi-card has-tooltip\" tabindex=\"0\">\n              <small id=\"prreV3TotalRoiTitle\">Retorno de inversi\u00f3n (ROI)<\/small>\n              <div class=\"prre-v3-roi-display\">\n                <b id=\"prreV3TotalRoi\">$0<\/b>\n                <strong id=\"prreV3TotalRoiPct\">0%<\/strong>\n              <\/div>\n              <em id=\"prreV3TotalRoiNote\">Rendimiento + ahorro en impuestos \u2212 fees aplicables<\/em>\n              <span class=\"prre-v3-card-tip\">\n                Representa el beneficio econ\u00f3mico total estimado que el inversionista obtendr\u00eda por invertir en PRRE:\n                rendimientos proyectados m\u00e1s impuestos que esta simulaci\u00f3n estima que se ahorrar\u00edan y, para residentes,\n                menos el management fee aplicable durante los primeros dos a\u00f1os. No incluye la devoluci\u00f3n del capital original.\n              <\/span>\n            <\/article>\n          <\/div>\n        <\/div>\n\n        <div class=\"prre-v3-summary-group prre-v3-summary-year1\">\n          <div class=\"prre-v3-summary-label\">Primer a\u00f1o<\/div>\n          <div class=\"prre-v3-metrics\">\n            <article class=\"has-tooltip\" tabindex=\"0\">\n              <small id=\"prreV3Year1ReturnTitle\">Rendimiento de PRRE en el primer a\u00f1o \u2014 escenario compuesto<\/small>\n              <b id=\"prreV3Year1Return\">$0<\/b>\n              <em id=\"prreV3Year1ReturnPct\">0% de la inversi\u00f3n<\/em>\n              <span id=\"prreV3Year1ReturnTip\" class=\"prre-v3-card-tip\">\n                El c\u00e1lculo supone capitalizaci\u00f3n mensual del preferred return. El rendimiento de cada mes se a\u00f1ade al balance\n                y participa en el c\u00e1lculo del mes siguiente, siempre que el inversionista decida mantenerlo invertido.\n              <\/span>\n            <\/article>\n\n            <article class=\"has-tooltip\" tabindex=\"0\">\n              <small>Ahorro por 0% de impuestos sobre rendimientos de PRRE<\/small>\n              <b id=\"prreV3Year1DividendSavings\">$0<\/b>\n              <em id=\"prreV3Year1DividendSavingsPct\">0% de la inversi\u00f3n<\/em>\n              <span class=\"prre-v3-card-tip\">\n                Ahorro ilustrativo equivalente al 15% del rendimiento proyectado de PRRE durante el primer a\u00f1o,\n                bajo el supuesto de exenci\u00f3n aplicable a los rendimientos elegibles en Puerto Rico.\n              <\/span>\n            <\/article>\n\n            <article id=\"prreV3Year1SuperCard\" class=\"has-tooltip\" tabindex=\"0\">\n              <small>Ahorro estimado en impuestos en el primer a\u00f1o por superdeducci\u00f3n del 60%<\/small>\n              <b id=\"prreV3Year1SuperSavings\">$0<\/b>\n              <em id=\"prreV3Year1SuperSavingsPct\">0% de la inversi\u00f3n<\/em>\n              <span class=\"prre-v3-card-tip\">\n                Es el ahorro estimado en impuestos durante el primer a\u00f1o por la parte de la superdeducci\u00f3n\n                que puede utilizarse seg\u00fan el l\u00edmite anual modelado del 30% del ingreso tributable anual.\n              <\/span>\n            <\/article>\n\n            <article class=\"prre-v3-roi-card has-tooltip\" tabindex=\"0\">\n              <small>Retorno de inversi\u00f3n (ROI) del primer a\u00f1o<\/small>\n              <div class=\"prre-v3-roi-display\">\n                <b id=\"prreV3Year1Roi\">$0<\/b>\n                <strong id=\"prreV3Year1RoiPct\">0%<\/strong>\n              <\/div>\n              <em id=\"prreV3Year1RoiNote\">Rendimiento + ahorro en impuestos \u2212 fees aplicables<\/em>\n              <span class=\"prre-v3-card-tip\">\n                Suma el rendimiento proyectado del primer a\u00f1o y los ahorros estimados en impuestos,\n                y resta el management fee cuando corresponda.\n              <\/span>\n            <\/article>\n          <\/div>\n        <\/div>\n\n        <p class=\"prre-v3-summary-note\">\n          Los ahorros en impuestos son estimaciones ilustrativas y no son distribuciones en efectivo de PRRE.\n          Para residentes elegibles, el ROI mostrado descuenta el management fee de 1.25% anual durante los\n          primeros dos a\u00f1os.\n        <\/p>\n      <\/section>\n\n      <section class=\"prre-v3-section\">\n        <div class=\"prre-v3-title\">\n          <span class=\"prre-v3-kicker\">Comparaci\u00f3n directa<\/span>\n          <h3>Dos escenarios para la misma inversi\u00f3n<\/h3>\n          <p>\n            Para hacer la comparaci\u00f3n sencilla, ambos escenarios utilizan el mismo rendimiento bruto.\n            El primer escenario representa una inversi\u00f3n en una compa\u00f1\u00eda regular que no es PRRE.\n            El segundo representa una inversi\u00f3n en PRRE.\n          <\/p>\n        <\/div>\n\n        <div class=\"prre-v3-scenarios\">\n          <article class=\"prre-v3-scenario regular\">\n            <div class=\"prre-v3-scenario-head\">\n              <span class=\"prre-v3-number\">1<\/span>\n              <div>\n                <h4>Inversi\u00f3n en una compa\u00f1\u00eda regular<\/h4>\n                <p>No es una inversi\u00f3n en PRRE. No incluye exenci\u00f3n de Opportunity Zone ni superdeducci\u00f3n.<\/p>\n              <\/div>\n            <\/div>\n\n            <div class=\"prre-v3-lines\">\n              <div><span id=\"prreV3RegularAnnualLabel\">Rendimiento compuesto del primer a\u00f1o<\/span><b id=\"prreV3RegularAnnual\">$0<\/b><\/div>\n              <div><span>Rentabilidad anual sobre la inversi\u00f3n<\/span><b id=\"prreV3RegularAnnualPct\">0%<\/b><\/div>\n              <div><span id=\"prreV3Regular24Label\">Rendimiento compuesto en 24 meses<\/span><b id=\"prreV3Regular24\">$0<\/b><\/div>\n              <div><span>Rentabilidad bruta en 24 meses<\/span><b id=\"prreV3Regular24Pct\">0%<\/b><\/div>\n              <div><span>Tributaci\u00f3n estimada en PR<\/span><b>15%<\/b><\/div>\n              <div><span>Ahorro por 0% de impuestos sobre rendimientos de PRRE<\/span><b>$0<\/b><\/div>\n              <div><span>Impuestos estimados sobre rendimientos<\/span><b id=\"prreV3RegularTax\">$0<\/b><\/div>\n              <div><span>Rendimiento neto despu\u00e9s de impuestos<\/span><b id=\"prreV3RegularNetReturn\">$0<\/b><\/div>\n              <div><span>Rentabilidad neta en 24 meses<\/span><b id=\"prreV3RegularNetPct\">0%<\/b><\/div>\n              <div><span>Superdeducci\u00f3n del 60% sobre la inversi\u00f3n<\/span><b>No aplica<\/b><\/div>\n              <div><span>Ahorro en impuestos por superdeducci\u00f3n del 60%<\/span><b>$0<\/b><\/div>\n              <div><span>Total de impuestos ahorrados<\/span><b>$0<\/b><\/div>\n              <div><span>Management fee 1.25% anual<\/span><b>No aplica<\/b><\/div>\n            <\/div>\n\n            <footer>\n              <small id=\"prreV3RegularRoiTitle\">Retorno de inversi\u00f3n (ROI)<\/small>\n              <span>Rendimiento neto despu\u00e9s de impuestos estimados en Puerto Rico<\/span>\n              <b id=\"prreV3RegularValue\">$0<\/b>\n              <em id=\"prreV3RegularFooterPct\">0% de la inversi\u00f3n<\/em>\n            <\/footer>\n          <\/article>\n\n          <article class=\"prre-v3-scenario prre\">\n            <div class=\"prre-v3-scenario-head\">\n              <span class=\"prre-v3-number\">2<\/span>\n              <div>\n                <h4>Inversi\u00f3n en PRRE<\/h4>\n                <p>\n                  Incluye el ahorro estimado por exenci\u00f3n sobre rendimientos y, para residentes elegibles,\n                  la superdeducci\u00f3n del 60% mediante un fondo de capital privado.\n                <\/p>\n              <\/div>\n            <\/div>\n\n            <div class=\"prre-v3-lines\">\n              <div><span id=\"prreV3PrreAnnualLabel\">Rendimiento compuesto del primer a\u00f1o<\/span><b id=\"prreV3PrreAnnual\">$0<\/b><\/div>\n              <div><span>Rentabilidad anual sobre la inversi\u00f3n<\/span><b id=\"prreV3PrreAnnualPct\">0%<\/b><\/div>\n              <div><span id=\"prreV3Prre24Label\">Rendimiento compuesto en 24 meses<\/span><b id=\"prreV3Prre24\">$0<\/b><\/div>\n              <div><span>Rentabilidad bruta en 24 meses<\/span><b id=\"prreV3Prre24Pct\">0%<\/b><\/div>\n              <div><span>Tributaci\u00f3n estimada en PR<\/span><b class=\"zero\">0%<\/b><\/div>\n              <div><span>Ahorro por 0% de impuestos sobre rendimientos de PRRE<\/span><b id=\"prreV3PrreDividendSavings\">$0<\/b><\/div>\n              <div><span>Impuestos estimados sobre rendimientos en PR<\/span><b class=\"zero\">$0<\/b><\/div>\n              <div><span>Rendimiento neto en 24 meses<\/span><b id=\"prreV3PrreNetReturn\">$0<\/b><\/div>\n              <div><span>Rentabilidad neta en 24 meses<\/span><b id=\"prreV3PrreNetPct\">0%<\/b><\/div>\n              <div><span>Superdeducci\u00f3n del 60% sobre la inversi\u00f3n<\/span><b id=\"prreV3PrreSuperDeduction\">$0<\/b><\/div>\n              <div><span>Ahorro en impuestos por superdeducci\u00f3n del 60%<\/span><b id=\"prreV3PrreSuperSavings\">$0<\/b><\/div>\n              <div><span>Total de impuestos ahorrados<\/span><b id=\"prreV3PrreTotalTaxSavings\">$0<\/b><\/div>\n              <div><span>Management fee 1.25% anual<\/span><b id=\"prreV3PrreManagementFee\">$0<\/b><\/div>\n            <\/div>\n\n            <footer>\n              <small id=\"prreV3PrreRoiTitle\">Retorno de inversi\u00f3n (ROI)<\/small>\n              <span id=\"prreV3PrreFooterLabel\">Rendimiento + ahorro en impuestos \u2212 management fee<\/span>\n              <b id=\"prreV3PrreValue\">$0<\/b>\n              <em id=\"prreV3PrreFooterPct\">0% de la inversi\u00f3n<\/em>\n            <\/footer>\n          <\/article>\n        <\/div>\n      <\/section>\n\n      <section id=\"prreV3ProjectionSection\" class=\"prre-v3-projection\">\n        <div class=\"prre-v3-title\">\n          <span class=\"prre-v3-kicker\">Proyecci\u00f3n anual<\/span>\n          <h3>Proyecci\u00f3n de rendimientos, ahorro en impuestos y ROI<\/h3>\n          <p id=\"prreV3ProjectionIntro\">\n            Para residentes elegibles, la superdeducci\u00f3n potencial equivale al 60% de la inversi\u00f3n.\n            Cada a\u00f1o se modela un uso m\u00e1ximo equivalente al 30% del ingreso tributable anual antes de la deducci\u00f3n,\n            y el saldo restante contin\u00faa disponible para a\u00f1os siguientes dentro del per\u00edodo proyectado.\n            Durante los primeros dos a\u00f1os tambi\u00e9n se incluye el ahorro estimado del 15% sobre los rendimientos\n            de PRRE y el management fee de 1.25% anual.\n          <\/p>\n        <\/div>\n\n        <div id=\"prreV3ProjectionCards\" class=\"prre-v3-projection-cards\">\n          <article><small>Superdeducci\u00f3n potencial total<\/small><b id=\"prreV3ProjectionTotal\">$0<\/b><\/article>\n          <article><small>L\u00edmite estimado de uso por a\u00f1o<\/small><b id=\"prreV3ProjectionLimit\">$0<\/b><\/article>\n          <article><small>A\u00f1os con uso estimado de la superdeducci\u00f3n<\/small><b id=\"prreV3ProjectionYears\">0<\/b><\/article>\n          <article><small>Ahorro total estimado en impuestos por superdeducci\u00f3n<\/small><b id=\"prreV3ProjectionSavings\">$0<\/b><\/article>\n        <\/div>\n\n        <div class=\"prre-v3-table-wrap projection-table\">\n          <table id=\"prreV3AnnualTable\" class=\"prre-v3-table prre-v3-annual-table\">\n            <thead>\n              <tr>\n                <th>A\u00f1o<\/th>\n                <th class=\"resident-only-col\">Superdeducci\u00f3n disponible<\/th>\n                <th class=\"resident-only-col\">Impuestos antes de superdeducci\u00f3n<\/th>\n                <th class=\"resident-only-col\">Impuestos despu\u00e9s de superdeducci\u00f3n<\/th>\n                <th class=\"resident-only-col\">Ahorro por superdeducci\u00f3n<\/th>\n                <th>Ahorro por 0% de impuestos sobre rendimientos de PRRE<\/th>\n                <th>Rendimientos de PRRE<\/th>\n                <th class=\"resident-only-col\">Management fee 1.25%<\/th>\n                <th>Retorno de inversi\u00f3n (ROI)<\/th>\n              <\/tr>\n            <\/thead>\n            <tbody id=\"prreV3ProjectionBody\"><\/tbody>\n            <tfoot>\n              <tr>\n                <td><strong>TOTAL<\/strong><small>Per\u00edodo proyectado<\/small><\/td>\n                <td class=\"resident-only-col\" id=\"prreV3ProjectionDeductionTotal\"><\/td>\n                <td class=\"resident-only-col\" id=\"prreV3ProjectionTaxBeforeTotal\"><\/td>\n                <td class=\"resident-only-col\" id=\"prreV3ProjectionTaxAfterTotal\"><\/td>\n                <td class=\"resident-only-col\" id=\"prreV3ProjectionSuperSavingsTotal\"><\/td>\n                <td id=\"prreV3ProjectionDividendSavingsTotal\"><\/td>\n                <td id=\"prreV3ProjectionReturnTotal\"><\/td>\n                <td class=\"resident-only-col\" id=\"prreV3ProjectionManagementFeeTotal\"><\/td>\n                <td id=\"prreV3ProjectionRoiTotal\"><\/td>\n              <\/tr>\n            <\/tfoot>\n          <\/table>\n        <\/div>\n\n        <p id=\"prreV3ProjectionNote\" class=\"prre-v3-note\"><\/p>\n      <\/section>\n\n      <section class=\"prre-v3-assumptions\">\n        <h3>Supuestos utilizados<\/h3>\n        <ul>\n          <li>De $50,000 a $249,999 se utiliza 9% anual; de $250,000 a $999,999, 10%; y desde $1,000,000, 11%.<\/li>\n          <li>El inversionista puede escoger entre un escenario compuesto, donde el preferred return se capitaliza mensualmente, o un escenario de distribuciones mensuales sin capitalizaci\u00f3n, donde la tasa anual se calcula siempre sobre el capital original. El capital original se devuelve al finalizar el mes 24.<\/li>\n          <li>Para comparar ambos escenarios se utiliza el mismo rendimiento bruto.<\/li>\n          <li>En la compa\u00f1\u00eda regular se utiliza, de forma ilustrativa, una tasa de 15% sobre dividendos elegibles.<\/li>\n          <li>Para PRRE, la calculadora asume una tasa de 0% en Puerto Rico sobre rendimientos elegibles y muestra el 15% como ahorro estimado frente a una compa\u00f1\u00eda regular.<\/li>\n          <li>Para residentes elegibles, la superdeducci\u00f3n se modela como 60% de la inversi\u00f3n, con un l\u00edmite anual equivalente al 30% del ingreso tributable anual antes de la deducci\u00f3n.<\/li>\n          <li>Para estimar el ahorro generado por la superdeducci\u00f3n, el residente puede escoger entre la escala progresiva ordinaria incorporada en el simulador, una tasa fija de 15%, una tasa preferencial de 4% o una tasa fija personalizada.<\/li>\n          <li>La tasa seleccionada para el ingreso tributable afecta \u00fanicamente el c\u00e1lculo del ahorro por la superdeducci\u00f3n. El 15% utilizado para comparar el impuesto sobre los rendimientos de una compa\u00f1\u00eda regular frente al 0% modelado para PRRE es un supuesto separado.<\/li>\n          <li>Para residentes, se descuenta un management fee de 1.25% anual sobre la inversi\u00f3n durante los primeros dos a\u00f1os \u00fanicamente.<\/li>\n          <li>La proyecci\u00f3n de la superdeducci\u00f3n comprende hasta un m\u00e1ximo de quince a\u00f1os, para un m\u00e1ximo ilustrativo de quince a\u00f1os.<\/li>\n          <li>Se asume que el ingreso tributable anual y el tratamiento fiscal seleccionado se mantienen constantes durante todo el per\u00edodo proyectado.<\/li>\n        <\/ul>\n      <\/section>\n\n    <\/div>\n\n    <p class=\"prre-v3-disclaimer\">\n      Este simulador es \u00fanicamente ilustrativo y no pretende que usted tome decisiones de inversi\u00f3n o de impuestos\n      bas\u00e1ndose en estos resultados. Su situaci\u00f3n real puede variar y las reglas aplicables pueden cambiar.\n      Las tasas y tratamientos fiscales seleccionados por el usuario son supuestos de simulaci\u00f3n y no determinan su obligaci\u00f3n fiscal real.\n      Utilice esta informaci\u00f3n solamente como ejemplo para conversar con su CPA, contador, asesor fiscal y asesor legal,\n      y revise los documentos legales de la oferta antes de invertir o reclamar cualquier beneficio.\n    <\/p>\n  <\/div>\n<\/div>\n\n<style>\n#prre-sim-v3{\n  --n:#0f2742;\n  --b:#173e63;\n  --r:#ce5651;\n  --g:#b58a3a;\n  --gr:#166534;\n  --t:#334155;\n  --m:#64748b;\n  --bd:#dbe3ec;\n  max-width:1280px;\n  margin:42px auto 64px;\n  padding:0 20px;\n  color:var(--t);\n  font-family:Inter,system-ui,-apple-system,\"Segoe UI\",Roboto,Arial,sans-serif;\n  line-height:1.55\n}\n\n#prre-sim-v3,\n#prre-sim-v3 *{box-sizing:border-box}\n#prre-sim-v3 [hidden]{display:none!important}\n\n.prre-v3-card{\n  overflow:visible;\n  border:1px solid 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footer{display:flex;flex-direction:column;min-height:190px;margin-top:auto;padding:17px;border-radius:15px;background:#f6f8fb}\n.prre-v3-scenario footer small,.prre-v3-scenario footer span,.prre-v3-scenario footer b,.prre-v3-scenario footer em{display:block}\n.prre-v3-scenario footer small{color:var(--n);font-size:12px;font-weight:900;letter-spacing:.06em;text-transform:uppercase}\n.prre-v3-scenario footer span{margin-top:4px;color:var(--m);font-size:12px;line-height:1.45}\n.prre-v3-scenario footer b{margin-top:auto;padding-top:12px;color:var(--n);font-size:29px;line-height:1.05}\n.prre-v3-scenario footer em{display:inline-flex!important;width:max-content;max-width:100%;margin-top:10px;padding:8px 12px;border-radius:10px;background:rgba(206,86,81,.10);color:var(--r);font-size:22px;line-height:1.1;font-style:normal;font-weight:900;letter-spacing:-.02em}\n\n.prre-v3-table-wrap{overflow-x:auto;border:1px solid var(--bd);border-radius:18px;background:#fff}\n.prre-v3-table{width:100%;min-width:900px;border-collapse:separate;border-spacing:0}\n.prre-v3-table th{padding:15px 14px;border-bottom:1px solid var(--bd);background:#f8fafc;color:#475569;font-size:11px;text-align:left;text-transform:uppercase}\n.prre-v3-table td{padding:15px 14px;border-bottom:1px solid #e8edf3;font-size:13px;vertical-align:top}\n.prre-v3-table td:not(:first-child){font-weight:700}\n.prre-v3-table tfoot td{background:#f8fafc;color:var(--n);font-weight:900}\n\n.prre-v3-projection{padding:24px;border:1px solid var(--bd);border-radius:20px;background:#fbfcfe}\n.prre-v3-projection-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:18px}\n.prre-v3-projection-cards article{padding:18px;border:1px solid var(--bd);border-radius:16px;background:#fff}\n.prre-v3-projection-cards small,.prre-v3-projection-cards b{display:block}\n.prre-v3-projection-cards small{min-height:42px;color:var(--m);font-weight:700}\n.prre-v3-projection-cards b{margin-top:8px;color:var(--n);font-size:24px}\n.prre-v3-annual-table{min-width:1750px}\n.prre-v3-annual-table.nonresident-table{min-width:760px}\n.prre-v3-annual-table.nonresident-table .resident-only-col{display:none}\n.projection-table{max-height:760px;overflow:auto}\n.prre-v3-period{display:inline-flex;min-width:82px;padding:8px 12px;border-radius:999px;background:#edf4fb;color:var(--n);font-size:15px;font-weight:900;justify-content:center}\n.prre-v3-cell-main,.prre-v3-cell-pct,.prre-v3-cell-note{display:block}\n.prre-v3-cell-main{color:var(--n);font-size:18px;line-height:1.1;font-weight:900}\n.prre-v3-cell-pct{margin-top:5px;color:var(--r);font-size:15px;line-height:1.1;font-weight:900}\n.prre-v3-cell-note{margin-top:7px;color:var(--m);font-size:10px;line-height:1.35;font-weight:500}\n.prre-v3-cell-good{color:var(--gr)}\n.prre-v3-cell-cost{color:var(--r)}\n.prre-v3-annual-table td{min-width:170px;padding:18px 14px}\n.prre-v3-annual-table td:first-child{min-width:105px}\n.prre-v3-annual-table tfoot td{vertical-align:top}\n.prre-v3-annual-table tfoot strong,.prre-v3-annual-table tfoot small{display:block}\n.prre-v3-annual-table tfoot small{margin-top:5px;color:var(--m);font-size:10px}\n.prre-v3-note{margin:14px 0 0;color:var(--m);font-size:12px}\n\n.prre-v3-assumptions{padding:24px;border:1px solid var(--bd);border-radius:18px;background:#fbfcfe}\n.prre-v3-assumptions h3{margin:0 0 13px;color:var(--n)}\n.prre-v3-assumptions ul{margin:0;padding-left:20px}\n.prre-v3-assumptions li{margin-bottom:7px;color:#526074;font-size:12px}\n.prre-v3-disclaimer{\n  margin:24px 42px 34px;\n  padding:18px 20px;\n  border:1px solid #e8c7c4;\n  border-radius:15px;\n  background:#fff7f6;\n  color:#6b4a47;\n  font-size:12px;\n  line-height:1.55\n}\n\n@media(max-width:1120px){\n  .prre-v3-metrics{grid-template-columns:repeat(2,minmax(0,1fr))}\n  .prre-v3-projection-cards{grid-template-columns:repeat(2,1fr)}\n  .prre-v3-scenarios{grid-template-columns:1fr}\n  .prre-v3-scenario{min-height:0}\n}\n\n@media(max-width:760px){\n  #prre-sim-v3{padding:0 12px}\n  .prre-v3-head{padding:28px 22px 22px}\n  .prre-v3-form{margin:0 16px 26px;padding:18px}\n  .prre-v3-radios,.prre-v3-grid2,.prre-v3-metrics,.prre-v3-projection-cards,.prre-v3-tax-options{grid-template-columns:1fr}\n  .prre-v3-custom-rate{align-items:stretch;flex-direction:column}\n  .prre-v3-rate-input{flex:0 0 auto;width:100%}\n  .prre-v3-money{min-height:0}\n  .prre-v3-money>small{flex:none}\n  .prre-v3-return-mode-options{flex-direction:column}\n  .prre-v3-return-mode-option>span:not(.prre-v3-mini-tip){width:100%}\n  .prre-v3-mini-tip{position:fixed!important;left:16px!important;right:16px!important;bottom:20px!important;width:auto!important}\n  .prre-v3-results{padding:0 16px 28px}\n  .prre-v3-summary-head{flex-direction:column}\n  #prreV3Calculate{width:100%}\n  .prre-v3-metrics article{min-height:0}\n  .prre-v3-metrics small{min-height:0}\n  .prre-v3-info-box,.prre-v3-card-tip{position:fixed!important;left:16px!important;right:16px!important;bottom:20px!important;width:auto!important;max-width:none!important}\n  .prre-v3-disclaimer{margin:22px 16px 26px}\n}\n\n\/* ===== AJUSTE FINAL: ALINEACI\u00d3N DE CAMPOS Y BOTONES DE RENDIMIENTO ===== *\/\n.prre-v3-money{\n  justify-content:flex-start;\n}\n\n.prre-v3-money > .prre-v3-label{\n  min-height:26px;\n}\n\n.prre-v3-money > small{\n  flex:none !important;\n  min-height:54px;\n  margin-bottom:14px;\n}\n\n.prre-v3-money > input{\n  margin-top:0 !important;\n  flex:0 0 56px;\n}\n\n.prre-v3-return-mode-wrap{\n  margin-top:16px;\n  text-align:center;\n}\n\n.prre-v3-return-mode-label{\n  text-align:center;\n}\n\n.prre-v3-return-mode-options{\n  justify-content:center;\n  align-items:center;\n}\n\n.prre-v3-return-mode-option > span:not(.prre-v3-mini-tip){\n  justify-content:center;\n  text-align:center;\n}\n\n@media(max-width:760px){\n  .prre-v3-money > small{\n    min-height:0;\n  }\n\n  .prre-v3-return-mode-options{\n    align-items:stretch;\n  }\n}\n\n<\/style>\n\n<script data-nowprocket=\"\" data-cfasync=\"false\">\n(function(){\n  \"use strict\";\n\n  var root=document.getElementById(\"prre-sim-v3\");\n  if(!root){return;}\n\n  var SUPER_DEDUCTION_RATE=0.60;\n  var ANNUAL_SUPER_LIMIT_RATE=0.30;\n  var DIVIDEND_TAX_RATE=0.15;\n  var MANAGEMENT_FEE_RATE=0.0125;\n  var RETURN_YEARS=2;\n  var PROJECTION_YEARS=15;\n  var START_YEAR=new Date().getFullYear();\n\n  var investment=root.querySelector(\"#prreV3Investment\");\n  var income=root.querySelector(\"#prreV3Income\");\n  var button=root.querySelector(\"#prreV3Calculate\");\n  var error=root.querySelector(\"#prreV3Error\");\n  var results=root.querySelector(\"#prreV3Results\");\n  var incomeHelp=root.querySelector(\"#prreV3IncomeHelp\");\n  var incomeField=root.querySelector(\"#prreV3IncomeField\");\n  var inputGrid=root.querySelector(\"#prreV3InputGrid\");\n  var annualTable=root.querySelector(\"#prreV3AnnualTable\");\n  var taxModeField=root.querySelector(\"#prreV3TaxModeField\");\n  var customRateWrap=root.querySelector(\"#prreV3CustomRateWrap\");\n  var customRateInput=root.querySelector(\"#prreV3CustomRate\");\n\n  function q(selector){return root.querySelector(selector);}\n  function txt(selector,value){var element=q(selector);if(element){element.textContent=value;}}\n  function show(selector){var element=q(selector);if(element){element.removeAttribute(\"hidden\");}}\n  function hide(selector){var element=q(selector);if(element){element.setAttribute(\"hidden\",\"hidden\");}}\n  function number(value){var digits=String(value||\"\").replace(\/[^0-9]\/g,\"\");return digits?parseInt(digits,10):0;}\n  function money(value){var safe=isFinite(value)?Math.round(value):0;return \"$\"+safe.toLocaleString(\"en-US\");}\n  function pct(value){var safe=isFinite(value)?value:0;return safe.toFixed(1).replace(\".0\",\"\")+\"%\";}\n  function pct2(value){var safe=isFinite(value)?value:0;return safe.toFixed(2)+\"%\";}\n  function ratio(value,base){if(!base){return 0;}return(value\/base)*100;}\n\n  function format(field){\n    if(!field){return;}\n    var value=number(field.value);\n    field.value=value?money(value):\"\";\n    try{field.setSelectionRange(field.value.length,field.value.length);}catch(ignore){}\n  }\n\n  function resident(){\n    var selected=q('input[name=\"prreV3Resident\"]:checked');\n    if(!selected){return true;}\n    return selected.value===\"yes\";\n  }\n\n  function selectedReturnMode(){\n    var selected=q('input[name=\"prreV3ReturnMode\"]:checked');\n    if(!selected){return\"compound\";}\n    return selected.value;\n  }\n\n  function returnModeMeta(){\n    var mode=selectedReturnMode();\n\n    if(mode===\"monthly\"){\n      return{\n        mode:\"monthly\",\n        shortLabel:\"mensual sin capitalizar\",\n        year1Label:\"Rendimiento de PRRE en el primer a\u00f1o \u2014 distribuciones mensuales sin capitalizar\",\n        totalLabel:\"Rendimiento total de PRRE en 24 meses \u2014 distribuciones mensuales sin capitalizar\",\n        scenarioYear1Label:\"Rendimiento del primer a\u00f1o \u2014 sin capitalizar\",\n        scenario24Label:\"Rendimiento en 24 meses \u2014 sin capitalizar\",\n        projectionNote:\"Distribuciones mensuales sin capitalizaci\u00f3n\"\n      };\n    }\n\n    return{\n      mode:\"compound\",\n      shortLabel:\"compuesto mensual\",\n      year1Label:\"Rendimiento de PRRE en el primer a\u00f1o \u2014 escenario compuesto\",\n      totalLabel:\"Rendimiento total de PRRE en 24 meses \u2014 escenario compuesto\",\n      scenarioYear1Label:\"Rendimiento compuesto del primer a\u00f1o\",\n      scenario24Label:\"Rendimiento compuesto en 24 meses\",\n      projectionNote:\"Escenario compuesto mensual\"\n    };\n  }\n\n  function returnRate(value){\n    if(value<50000){return 0;}\n    if(value<250000){return 0.09;}\n    if(value<1000000){return 0.10;}\n    return 0.11;\n  }\n\n  function compoundedReturn(principal,annualRate,months){\n    var monthlyRate=annualRate\/12;\n    return principal*(Math.pow(1+monthlyRate,months)-1);\n  }\n\n  function flatReturn(principal,annualRate,months){\n    return principal*annualRate*(months\/12);\n  }\n\n  function returnForMonths(principal,annualRate,months,mode){\n    if(mode===\"monthly\"){return flatReturn(principal,annualRate,months);}\n    return compoundedReturn(principal,annualRate,months);\n  }\n\n  function compoundedBalance(principal,annualRate,months){\n    return principal+compoundedReturn(principal,annualRate,months);\n  }\n\n  function estimatedIncomeTax(value){\n    value=Math.max(0,value);\n    if(value<=9000){return 0;}\n    if(value<=25000){return(value-9000)*0.07;}\n    if(value<=41500){return 1120+(value-25000)*0.14;}\n    if(value<=61500){return 3430+(value-41500)*0.25;}\n    return 8430+(value-61500)*0.33;\n  }\n\n  function selectedTaxMode(){\n    var selected=q('input[name=\"prreV3TaxMode\"]:checked');\n    if(!selected){return\"ordinary\";}\n    return selected.value;\n  }\n\n  function customRateValue(){\n    if(!customRateInput){return NaN;}\n    return parseFloat(customRateInput.value);\n  }\n\n  function taxTreatment(){\n    var mode=selectedTaxMode();\n\n    if(mode===\"flat15\"){\n      return{mode:\"flat15\",rate:0.15,label:\"tasa fija de 15%\"};\n    }\n\n    if(mode===\"flat4\"){\n      return{mode:\"flat4\",rate:0.04,label:\"tasa preferencial de 4%\"};\n    }\n\n    if(mode===\"custom\"){\n      var customRate=customRateValue();\n      var customLabel=\"tasa personalizada\";\n      if(isFinite(customRate)){\n        customLabel=\"tasa personalizada de \"+customRate.toFixed(2).replace(\/\\.00$\/,\"\")+\"%\";\n      }\n      return{\n        mode:\"custom\",\n        rate:isFinite(customRate)?customRate\/100:NaN,\n        label:customLabel\n      };\n    }\n\n    return{mode:\"ordinary\",rate:null,label:\"tributaci\u00f3n ordinaria progresiva\"};\n  }\n\n  function taxForIncome(value,treatment){\n    value=Math.max(0,value);\n    if(treatment.mode===\"ordinary\"){return estimatedIncomeTax(value);}\n    return value*treatment.rate;\n  }\n\n  function buildProjection(netIncome,totalDeduction,treatment){\n    var rows=[];\n    var remaining=totalDeduction;\n    var totalUsed=0;\n    var totalSuperSavings=0;\n    var totalTaxBefore=0;\n    var totalTaxAfter=0;\n    var yearsUsed=0;\n    var index;\n\n    for(index=0;index<PROJECTION_YEARS;index+=1){\n      var opening=remaining;\n      var limit=netIncome*ANNUAL_SUPER_LIMIT_RATE;\n      var used=Math.min(opening,limit,netIncome);\n      var before=taxForIncome(netIncome,treatment);\n      var after=taxForIncome(Math.max(0,netIncome-used),treatment);\n      var savings=Math.max(0,before-after);\n      remaining=Math.max(0,opening-used);\n\n      if(used>0){yearsUsed+=1;}\n\n      totalUsed+=used;\n      totalSuperSavings+=savings;\n      totalTaxBefore+=before;\n      totalTaxAfter+=after;\n\n      rows.push({\n        index:index,\n        year:START_YEAR+index,\n        opening:opening,\n        limit:limit,\n        used:used,\n        remaining:remaining,\n        before:before,\n        after:after,\n        savings:savings\n      });\n    }\n\n    return{\n      rows:rows,\n      remaining:remaining,\n      totalUsed:totalUsed,\n      totalSuperSavings:totalSuperSavings,\n      totalTaxBefore:totalTaxBefore,\n      totalTaxAfter:totalTaxAfter,\n      yearsUsed:yearsUsed,\n      annualLimit:netIncome*ANNUAL_SUPER_LIMIT_RATE,\n      treatmentLabel:treatment.label,\n      treatmentMode:treatment.mode,\n      treatmentRate:treatment.rate\n    };\n  }\n\n  function emptyProjection(){\n    return{\n      rows:[],\n      remaining:0,\n      totalUsed:0,\n      totalSuperSavings:0,\n      totalTaxBefore:0,\n      totalTaxAfter:0,\n      yearsUsed:0,\n      annualLimit:0,\n      treatmentLabel:\"\",\n      treatmentMode:\"\",\n      treatmentRate:null\n    };\n  }\n\n  function projectionCell(mainValue,percentValue,noteText,state){\n    var className=\"prre-v3-cell-main\";\n\n    if(state===\"good\"){className+=\" prre-v3-cell-good\";}\n    if(state===\"cost\"){className+=\" prre-v3-cell-cost\";}\n\n    var html='<strong class=\"'+className+'\">'+mainValue+'<\/strong>';\n\n    if(percentValue){\n      html+='<span class=\"prre-v3-cell-pct\">'+percentValue+'<\/span>';\n    }\n\n    if(noteText){\n      html+='<small class=\"prre-v3-cell-note\">'+noteText+'<\/small>';\n    }\n\n    return html;\n  }\n\n  function renderProjection(isResident,projection,invested,year1Return,year2Return,modeMeta){\n    var tbody=q(\"#prreV3ProjectionBody\");\n    if(!tbody){return;}\n\n    tbody.innerHTML=\"\";\n\n    if(isResident){\n      annualTable.classList.remove(\"nonresident-table\");\n    }else{\n      annualTable.classList.add(\"nonresident-table\");\n    }\n\n    var rowsToShow=RETURN_YEARS;\n\n    if(isResident){\n      rowsToShow=Math.min(projection.yearsUsed,PROJECTION_YEARS);\n\n      if(rowsToShow<1){\n        rowsToShow=1;\n      }\n    }\n    var annualManagementFee=isResident?invested*MANAGEMENT_FEE_RATE:0;\n    var annualManagementFeePct=ratio(annualManagementFee,invested);\n    var totalDividendSavings=0;\n    var totalPrreReturn=0;\n    var totalManagementFees=0;\n    var totalRoi=0;\n    var index;\n\n    for(index=0;index<rowsToShow;index+=1){\n      var rowData;\n      if(isResident){\n        rowData=projection.rows[index];\n      }else{\n        rowData={\n          index:index,\n          year:START_YEAR+index,\n          opening:0,\n          used:0,\n          remaining:0,\n          before:0,\n          after:0,\n          savings:0\n        };\n      }\n\n      var prreReturn=0;\n\n      if(index===0){\n        prreReturn=year1Return;\n      }else if(index===1){\n        prreReturn=year2Return;\n      }\n\n      var prreReturnPct=ratio(prreReturn,invested);\n      var dividendSavings=prreReturn*DIVIDEND_TAX_RATE;\n      var dividendSavingsPct=ratio(dividendSavings,invested);\n      var regularReturn=prreReturn-dividendSavings;\n      var regularReturnPct=ratio(regularReturn,invested);\n      var managementFee=0;\n      var managementFeePct=0;\n\n      if(isResident){\n        if(index<RETURN_YEARS){\n          managementFee=annualManagementFee;\n          managementFeePct=annualManagementFeePct;\n        }\n      }\n\n      var annualRoi=prreReturn+dividendSavings+rowData.savings-managementFee;\n      var annualRoiPct=ratio(annualRoi,invested);\n\n      totalDividendSavings+=dividendSavings;\n      totalPrreReturn+=prreReturn;\n      totalManagementFees+=managementFee;\n      totalRoi+=annualRoi;\n\n      var tr=document.createElement(\"tr\");\n      var html='<td><span class=\"prre-v3-period\">'+rowData.year+'<\/span><\/td>';\n\n      if(isResident){\n        html+='<td class=\"resident-only-col\">'+projectionCell(\n          money(rowData.opening),\n          \"\",\n          \"Usada este a\u00f1o: \"+money(rowData.used)+\" \u00b7 Saldo: \"+money(rowData.remaining),\n          \"\"\n        )+'<\/td>';\n\n        html+='<td class=\"resident-only-col\">'+projectionCell(\n          money(rowData.before),\n          \"\",\n          \"Impuestos estimados sin superdeducci\u00f3n \u00b7 \"+projection.treatmentLabel,\n          \"\"\n        )+'<\/td>';\n\n        html+='<td class=\"resident-only-col\">'+projectionCell(\n          money(rowData.after),\n          \"\",\n          \"Despu\u00e9s de aplicar la superdeducci\u00f3n \u00b7 \"+projection.treatmentLabel,\n          \"good\"\n        )+'<\/td>';\n\n        html+='<td class=\"resident-only-col\">'+projectionCell(\n          money(rowData.savings),\n          pct(ratio(rowData.savings,invested))+\" de la inversi\u00f3n\",\n          \"Ahorro estimado por superdeducci\u00f3n del 60%\",\n          \"good\"\n        )+'<\/td>';\n      }\n\n      html+='<td>'+projectionCell(\n        money(dividendSavings),\n        pct(dividendSavingsPct)+\" de la inversi\u00f3n\",\n        index<RETURN_YEARS?\"vs. compa\u00f1\u00eda regular: \"+money(dividendSavings)+\" de impuestos estimados\":\"Sin rendimientos de PRRE despu\u00e9s de 24 meses\",\n        \"good\"\n      )+'<\/td>';\n\n      html+='<td>'+projectionCell(\n        money(prreReturn),\n        pct(prreReturnPct)+\" de la inversi\u00f3n\",\n        index<RETURN_YEARS?modeMeta.projectionNote+\" \u00b7 vs. compa\u00f1\u00eda regular neto: \"+money(regularReturn)+\" \u00b7 \"+pct(regularReturnPct):\"Rendimientos concluidos despu\u00e9s de 24 meses\",\n        \"\"\n      )+'<\/td>';\n\n      if(isResident){\n        html+='<td class=\"resident-only-col\">'+projectionCell(\n          managementFee?(\"-\"+money(managementFee)):\"$0\",\n          managementFee?(\"-\"+pct2(managementFeePct)):\"0%\",\n          index<RETURN_YEARS?\"Fee anual sobre el capital invertido\":\"No aplica despu\u00e9s del segundo a\u00f1o\",\n          managementFee?\"cost\":\"\"\n        )+'<\/td>';\n      }\n\n      var roiNote;\n      if(index<RETURN_YEARS){\n        roiNote=\"vs. compa\u00f1\u00eda regular: \"+money(regularReturn)+\" \u00b7 \"+pct(regularReturnPct);\n      }else{\n        roiNote=\"vs. compa\u00f1\u00eda regular: $0 \u00b7 0%\";\n      }\n\n      html+='<td>'+projectionCell(\n        money(annualRoi),\n        pct(annualRoiPct)+\" de la inversi\u00f3n\",\n        roiNote,\n        \"\"\n      )+'<\/td>';\n\n      tr.innerHTML=html;\n      tbody.appendChild(tr);\n    }\n\n    var totalCompoundedReturn=year1Return+year2Return;\n    var regularTotalNet=totalCompoundedReturn*(1-DIVIDEND_TAX_RATE);\n    var regularTotalNetPct=ratio(regularTotalNet,invested);\n\n    if(isResident){\n      q(\"#prreV3ProjectionDeductionTotal\").innerHTML=projectionCell(\n        money(projection.totalUsed+projection.remaining),\n        \"\",\n        \"Utilizada: \"+money(projection.totalUsed)+\" \u00b7 Remanente: \"+money(projection.remaining),\n        \"\"\n      );\n\n      q(\"#prreV3ProjectionTaxBeforeTotal\").innerHTML=projectionCell(\n        money(projection.totalTaxBefore),\n        \"\",\n        \"Total estimado sin superdeducci\u00f3n \u00b7 \"+projection.treatmentLabel,\n        \"\"\n      );\n\n      q(\"#prreV3ProjectionTaxAfterTotal\").innerHTML=projectionCell(\n        money(projection.totalTaxAfter),\n        \"\",\n        \"Total estimado despu\u00e9s de superdeducci\u00f3n \u00b7 \"+projection.treatmentLabel,\n        \"good\"\n      );\n\n      q(\"#prreV3ProjectionSuperSavingsTotal\").innerHTML=projectionCell(\n        money(projection.totalSuperSavings),\n        pct(ratio(projection.totalSuperSavings,invested))+\" de la inversi\u00f3n\",\n        \"Ahorro total estimado por superdeducci\u00f3n del 60%\",\n        \"good\"\n      );\n\n      q(\"#prreV3ProjectionManagementFeeTotal\").innerHTML=projectionCell(\n        \"-\"+money(totalManagementFees),\n        \"-\"+pct(ratio(totalManagementFees,invested)),\n        \"1.25% anual durante los primeros dos a\u00f1os \u00b7 2.5% total\",\n        \"cost\"\n      );\n    }\n\n    q(\"#prreV3ProjectionDividendSavingsTotal\").innerHTML=projectionCell(\n      money(totalDividendSavings),\n      pct(ratio(totalDividendSavings,invested))+\" de la inversi\u00f3n\",\n      \"Ahorro estimado por 0% de impuestos sobre rendimientos de PRRE\",\n      \"good\"\n    );\n\n    q(\"#prreV3ProjectionReturnTotal\").innerHTML=projectionCell(\n      money(totalPrreReturn),\n      pct(ratio(totalPrreReturn,invested))+\" de la inversi\u00f3n\",\n      modeMeta.projectionNote+\" \u00b7 vs. compa\u00f1\u00eda regular neto: \"+money(regularTotalNet)+\" \u00b7 \"+pct(regularTotalNetPct),\n      \"\"\n    );\n\n    q(\"#prreV3ProjectionRoiTotal\").innerHTML=projectionCell(\n      money(totalRoi),\n      pct(ratio(totalRoi,invested))+\" de la inversi\u00f3n\",\n      \"vs. compa\u00f1\u00eda regular: \"+money(regularTotalNet)+\" \u00b7 \"+pct(regularTotalNetPct),\n      \"\"\n    );\n  }\n\n  function yearsLabel(years){\n    if(years===1){return\"1 a\u00f1o\";}\n    return String(years)+\" a\u00f1os\";\n  }\n\n  function calculate(){\n    error.textContent=\"\";\n\n    var isResident=resident();\n    var invested=number(investment.value);\n    var taxableIncome=number(income.value);\n    var annualRate=returnRate(invested);\n    var treatment=taxTreatment();\n    var modeMeta=returnModeMeta();\n    var returnMode=modeMeta.mode;\n\n    if(invested<50000){\n      error.textContent=\"Ingresa un monto de inversi\u00f3n de al menos $50,000.\";\n      hide(\"#prreV3Results\");\n      return;\n    }\n\n    if(isResident){\n      if(taxableIncome<=0){\n        error.textContent=\"Ingresa un ingreso tributable anual mayor de cero.\";\n        hide(\"#prreV3Results\");\n        return;\n      }\n\n      if(treatment.mode===\"custom\"){\n        if(!isFinite(treatment.rate)){\n          error.textContent=\"Ingresa una tasa personalizada v\u00e1lida.\";\n          hide(\"#prreV3Results\");\n          return;\n        }\n        if(treatment.rate<0 || treatment.rate>1){\n          error.textContent=\"La tasa personalizada debe estar entre 0% y 100%.\";\n          hide(\"#prreV3Results\");\n          return;\n        }\n      }\n    }\n\n    format(investment);\n    if(isResident){format(income);}\n\n    \/*\n      Modalidad seleccionada:\n      - compound: capitalizaci\u00f3n mensual.\n      - monthly: distribuciones mensuales sin capitalizaci\u00f3n.\n    *\/\n    var year1Return=returnForMonths(invested,annualRate,12,returnMode);\n    var twoYearReturn=returnForMonths(invested,annualRate,24,returnMode);\n    var year2Return=twoYearReturn-year1Return;\n\n    var year1ReturnPct=ratio(year1Return,invested);\n    var twoYearReturnPct=ratio(twoYearReturn,invested);\n\n    var year1DividendSavings=year1Return*DIVIDEND_TAX_RATE;\n    var totalDividendSavings=twoYearReturn*DIVIDEND_TAX_RATE;\n    var year1DividendSavingsPct=ratio(year1DividendSavings,invested);\n    var totalDividendSavingsPct=ratio(totalDividendSavings,invested);\n\n    var regularTax=twoYearReturn*DIVIDEND_TAX_RATE;\n    var regularNetReturn=twoYearReturn-regularTax;\n    var regularNetPct=ratio(regularNetReturn,invested);\n\n    var potentialSuperDeduction=invested*SUPER_DEDUCTION_RATE;\n    var projection=isResident?buildProjection(taxableIncome,potentialSuperDeduction,treatment):emptyProjection();\n    var totalSuperSavings=isResident?projection.totalSuperSavings:0;\n    var firstYearSuperSavings=0;\n\n    if(isResident){\n      if(projection.rows.length){\n        firstYearSuperSavings=projection.rows[0].savings;\n      }\n    }\n\n    var annualManagementFee=isResident?invested*MANAGEMENT_FEE_RATE:0;\n    var totalManagementFees=isResident?annualManagementFee*RETURN_YEARS:0;\n\n    var totalTaxSavings=totalDividendSavings+totalSuperSavings;\n    var firstYearTaxSavings=year1DividendSavings+firstYearSuperSavings;\n\n    var totalRoi=twoYearReturn+totalTaxSavings-totalManagementFees;\n    var totalRoiPct=ratio(totalRoi,invested);\n\n    var year1Roi=year1Return+firstYearTaxSavings-annualManagementFee;\n    var year1RoiPct=ratio(year1Roi,invested);\n\n    var roiYears=isResident?projection.yearsUsed:2;\n    if(roiYears<1){roiYears=1;}\n    var durationText=yearsLabel(roiYears);\n\n    txt(\"#prreV3TotalReturnTitle\",modeMeta.totalLabel);\n    txt(\"#prreV3Year1ReturnTitle\",modeMeta.year1Label);\n    txt(\"#prreV3RegularAnnualLabel\",modeMeta.scenarioYear1Label);\n    txt(\"#prreV3Regular24Label\",modeMeta.scenario24Label);\n    txt(\"#prreV3PrreAnnualLabel\",modeMeta.scenarioYear1Label);\n    txt(\"#prreV3Prre24Label\",modeMeta.scenario24Label);\n\n    if(returnMode===\"monthly\"){\n      txt(\"#prreV3TotalReturnTip\",\"El preferred return se distribuye mensualmente y no se reinvierte. La tasa anual se calcula siempre sobre el capital original. Por ejemplo, 11% anual equivale a 11% por a\u00f1o y 22% durante 24 meses.\");\n      txt(\"#prreV3Year1ReturnTip\",\"El preferred return se recibe mensualmente y no se capitaliza. El rendimiento anual equivale a la tasa anual correspondiente aplicada al capital original.\");\n    }else{\n      txt(\"#prreV3TotalReturnTip\",\"El inversionista deja el preferred return dentro de la inversi\u00f3n durante los 24 meses. La tasa anual se divide entre 12 y el rendimiento se capitaliza cada mes.\");\n      txt(\"#prreV3Year1ReturnTip\",\"El c\u00e1lculo supone capitalizaci\u00f3n mensual del preferred return. El rendimiento de cada mes se a\u00f1ade al balance y participa en el c\u00e1lculo del mes siguiente.\");\n    }\n\n    txt(\"#prreV3TotalReturn\",money(twoYearReturn));\n    txt(\"#prreV3TotalReturnPct\",pct(twoYearReturnPct)+\" de la inversi\u00f3n\");\n    txt(\"#prreV3TotalDividendSavings\",money(totalDividendSavings));\n    txt(\"#prreV3TotalDividendSavingsPct\",pct(totalDividendSavingsPct)+\" de la inversi\u00f3n\");\n    txt(\"#prreV3TotalRoi\",money(totalRoi));\n    txt(\"#prreV3TotalRoiPct\",pct(totalRoiPct));\n    txt(\"#prreV3TotalRoiTitle\",\"Retorno de inversi\u00f3n (ROI) en \"+durationText);\n    txt(\"#prreV3PrreRoiTitle\",\"Retorno de inversi\u00f3n (ROI) en \"+durationText);\n    txt(\"#prreV3RegularRoiTitle\",\"Retorno de inversi\u00f3n (ROI) en \"+durationText);\n\n    txt(\"#prreV3Year1Return\",money(year1Return));\n    txt(\"#prreV3Year1ReturnPct\",pct(year1ReturnPct)+\" de la inversi\u00f3n\");\n    txt(\"#prreV3Year1DividendSavings\",money(year1DividendSavings));\n    txt(\"#prreV3Year1DividendSavingsPct\",pct(year1DividendSavingsPct)+\" de la inversi\u00f3n\");\n    txt(\"#prreV3Year1Roi\",money(year1Roi));\n    txt(\"#prreV3Year1RoiPct\",pct(year1RoiPct));\n\n    if(isResident){\n      show(\"#prreV3TotalSuperCard\");\n      show(\"#prreV3Year1SuperCard\");\n      txt(\"#prreV3TotalSuperSavingsTitle\",\"Ahorro estimado en impuestos en \"+durationText+\" por superdeducci\u00f3n del 60%\");\n      txt(\"#prreV3TotalSuperSavings\",money(totalSuperSavings));\n      txt(\"#prreV3TotalSuperSavingsPct\",pct(ratio(totalSuperSavings,invested))+\" de la inversi\u00f3n\");\n      txt(\"#prreV3Year1SuperSavings\",money(firstYearSuperSavings));\n      txt(\"#prreV3Year1SuperSavingsPct\",pct(ratio(firstYearSuperSavings,invested))+\" de la inversi\u00f3n\");\n      txt(\"#prreV3TotalRoiNote\",\"Rendimiento + ahorro en impuestos \u2212 \"+money(totalManagementFees)+\" de management fees (2.5% en 2 a\u00f1os)\");\n      txt(\"#prreV3Year1RoiNote\",\"Rendimiento + ahorro en impuestos \u2212 \"+money(annualManagementFee)+\" de management fee (1.25% en el primer a\u00f1o)\");\n    }else{\n      txt(\"#prreV3TotalSuperSavingsTitle\",\"Ahorro estimado en impuestos por superdeducci\u00f3n del 60%\");\n      txt(\"#prreV3TotalSuperSavings\",\"No aplica\");\n      txt(\"#prreV3TotalSuperSavingsPct\",\"Disponible \u00fanicamente para residentes elegibles\");\n      txt(\"#prreV3Year1SuperSavings\",\"No aplica\");\n      txt(\"#prreV3Year1SuperSavingsPct\",\"Disponible \u00fanicamente para residentes elegibles\");\n      txt(\"#prreV3TotalRoiNote\",\"Rendimiento \"+modeMeta.shortLabel+\" + ahorro estimado por 0% de impuestos sobre rendimientos\");\n      txt(\"#prreV3Year1RoiNote\",\"Rendimiento \"+modeMeta.shortLabel+\" + ahorro estimado por 0% de impuestos sobre rendimientos\");\n    }\n\n    txt(\"#prreV3RegularAnnual\",money(year1Return));\n    txt(\"#prreV3RegularAnnualPct\",pct(year1ReturnPct));\n    txt(\"#prreV3Regular24\",money(twoYearReturn));\n    txt(\"#prreV3Regular24Pct\",pct(twoYearReturnPct));\n    txt(\"#prreV3RegularTax\",money(regularTax));\n    txt(\"#prreV3RegularNetReturn\",money(regularNetReturn));\n    txt(\"#prreV3RegularNetPct\",pct(regularNetPct));\n    txt(\"#prreV3RegularValue\",money(regularNetReturn));\n    txt(\"#prreV3RegularFooterPct\",pct(regularNetPct)+\" de la inversi\u00f3n\");\n\n    txt(\"#prreV3PrreAnnual\",money(year1Return));\n    txt(\"#prreV3PrreAnnualPct\",pct(year1ReturnPct));\n    txt(\"#prreV3Prre24\",money(twoYearReturn));\n    txt(\"#prreV3Prre24Pct\",pct(twoYearReturnPct));\n    txt(\"#prreV3PrreDividendSavings\",money(totalDividendSavings));\n    txt(\"#prreV3PrreNetReturn\",money(twoYearReturn));\n    txt(\"#prreV3PrreNetPct\",pct(twoYearReturnPct));\n\n    if(isResident){\n      txt(\"#prreV3PrreSuperDeduction\",money(potentialSuperDeduction));\n      txt(\"#prreV3PrreSuperSavings\",money(totalSuperSavings));\n      txt(\"#prreV3PrreTotalTaxSavings\",money(totalTaxSavings));\n      txt(\"#prreV3PrreManagementFee\",money(totalManagementFees)+\" total en 24 meses\");\n      txt(\"#prreV3PrreFooterLabel\",\"Rendimiento \"+modeMeta.shortLabel+\" + impuestos ahorrados \u2212 \"+money(totalManagementFees)+\" de management fees (2.5% en 2 a\u00f1os)\");\n    }else{\n      txt(\"#prreV3PrreSuperDeduction\",\"No aplica\");\n      txt(\"#prreV3PrreSuperSavings\",\"No aplica\");\n      txt(\"#prreV3PrreTotalTaxSavings\",money(totalDividendSavings));\n      txt(\"#prreV3PrreManagementFee\",\"No aplica\");\n      txt(\"#prreV3PrreFooterLabel\",\"Rendimiento \"+modeMeta.shortLabel+\" + ahorro estimado por 0% de impuestos\");\n    }\n\n    txt(\"#prreV3PrreValue\",money(totalRoi));\n    txt(\"#prreV3PrreFooterPct\",pct(totalRoiPct)+\" de la inversi\u00f3n\");\n\n    if(isResident){\n      show(\"#prreV3ProjectionCards\");\n      txt(\"#prreV3ProjectionTotal\",money(potentialSuperDeduction));\n      txt(\"#prreV3ProjectionLimit\",money(projection.annualLimit));\n      txt(\"#prreV3ProjectionYears\",String(projection.yearsUsed));\n      txt(\"#prreV3ProjectionSavings\",money(projection.totalSuperSavings));\n      txt(\n        \"#prreV3ProjectionIntro\",\n        \"La superdeducci\u00f3n potencial equivale al 60% de la inversi\u00f3n. Cada a\u00f1o se modela un uso m\u00e1ximo equivalente al 30% del ingreso tributable anual antes de la deducci\u00f3n, y el saldo restante contin\u00faa disponible para a\u00f1os siguientes dentro del per\u00edodo proyectado. Para estimar el ahorro por la superdeducci\u00f3n se utiliza \"+projection.treatmentLabel+\". Los rendimientos de PRRE se modelan bajo la modalidad seleccionada: \"+modeMeta.shortLabel+\". Durante los primeros dos a\u00f1os tambi\u00e9n se incluye el ahorro estimado por 0% de impuestos sobre los rendimientos de PRRE y el management fee de 1.25% anual.\"\n      );\n\n      if(projection.remaining>0){\n        txt(\n          \"#prreV3ProjectionNote\",\n          \"Al finalizar el per\u00edodo proyectado quedar\u00eda una superdeducci\u00f3n potencial no utilizada de \"+money(projection.remaining)+\". La utilizaci\u00f3n real depender\u00e1 de la situaci\u00f3n fiscal del inversionista y de los requisitos legales aplicables.\"\n        );\n      }else{\n        txt(\n          \"#prreV3ProjectionNote\",\n          \"Bajo los supuestos de esta simulaci\u00f3n, la superdeducci\u00f3n potencial se utilizar\u00eda completamente en \"+yearsLabel(projection.yearsUsed)+\".\"\n        );\n      }\n    }else{\n      hide(\"#prreV3ProjectionCards\");\n      txt(\n        \"#prreV3ProjectionIntro\",\n        \"Para no residentes, la proyecci\u00f3n muestra los dos a\u00f1os de rendimientos de PRRE bajo la modalidad seleccionada: \"+modeMeta.shortLabel+\", el ahorro estimado por 0% de impuestos sobre esos rendimientos y el ROI. Las columnas de superdeducci\u00f3n y management fee no se muestran porque no aplican en este escenario.\"\n      );\n      txt(\n        \"#prreV3ProjectionNote\",\n        \"Esta proyecci\u00f3n no considera impuestos que puedan aplicar fuera de Puerto Rico.\"\n      );\n    }\n\n    renderProjection(isResident,projection,invested,year1Return,year2Return,modeMeta);\n\n    show(\"#prreV3Results\");\n\n    window.setTimeout(function(){\n      results.scrollIntoView({behavior:\"smooth\",block:\"start\"});\n    },50);\n  }\n\n  investment.addEventListener(\"input\",function(){format(investment);});\n  income.addEventListener(\"input\",function(){format(income);});\n  button.addEventListener(\"click\",function(event){event.preventDefault();calculate();});\n\n  var returnModeRadios=root.querySelectorAll('input[name=\"prreV3ReturnMode\"]');\n  var returnModeIndex;\n  for(returnModeIndex=0;returnModeIndex<returnModeRadios.length;returnModeIndex+=1){\n    returnModeRadios[returnModeIndex].addEventListener(\"change\",function(){\n      if(!results.hasAttribute(\"hidden\")){calculate();}\n    });\n  }\n\n  function updateResidencyFields(){\n    if(resident()){\n      if(incomeField){incomeField.removeAttribute(\"hidden\");}\n      if(taxModeField){taxModeField.removeAttribute(\"hidden\");}\n      if(inputGrid){inputGrid.classList.remove(\"single-column\");}\n      incomeHelp.textContent=\"Ingreso tributable anual en Puerto Rico antes de aplicar la superdeducci\u00f3n.\";\n    }else{\n      if(incomeField){incomeField.setAttribute(\"hidden\",\"hidden\");}\n      if(taxModeField){taxModeField.setAttribute(\"hidden\",\"hidden\");}\n      if(inputGrid){inputGrid.classList.add(\"single-column\");}\n    }\n  }\n\n  function updateTaxModeFields(){\n    if(!customRateWrap){return;}\n    if(selectedTaxMode()===\"custom\"){\n      customRateWrap.removeAttribute(\"hidden\");\n    }else{\n      customRateWrap.setAttribute(\"hidden\",\"hidden\");\n    }\n  }\n\n  var taxModeRadios=root.querySelectorAll('input[name=\"prreV3TaxMode\"]');\n  var taxIndex;\n\n  for(taxIndex=0;taxIndex<taxModeRadios.length;taxIndex+=1){\n    taxModeRadios[taxIndex].addEventListener(\"change\",function(){\n      updateTaxModeFields();\n      if(!results.hasAttribute(\"hidden\")){\n        calculate();\n      }\n    });\n  }\n\n  if(customRateInput){\n    customRateInput.addEventListener(\"input\",function(){\n      if(!results.hasAttribute(\"hidden\")){\n        calculate();\n      }\n    });\n  }\n\n  var radios=root.querySelectorAll('input[name=\"prreV3Resident\"]');\n  var index;\n\n  for(index=0;index<radios.length;index+=1){\n    radios[index].addEventListener(\"change\",function(){\n      updateResidencyFields();\n\n      if(!results.hasAttribute(\"hidden\")){\n        calculate();\n      }\n    });\n  }\n\n  format(investment);\n  format(income);\n  updateResidencyFields();\n  updateTaxModeFields();\n})();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Simulador de inversi\u00f3n y ahorro en impuestos Compara una inversi\u00f3n regular con una inversi\u00f3n en PRRE Indica si eres residente [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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