How to teach smart investing delivery with purchases

Why even bother with investing?

Statistics show that people often refer to the Finance disorderly. Only a third of Russians regularly defersVisa Survey: confidence of Russians in their financial literacy is gradually increasing funds, with 34% of survey participants, conducted by Visa, all have no savings.

The most annoying thing is that even if you regularly set aside and have accumulated a decent amount, all the while it quietly eats up inflation. To save wisely, you need to make the money work: let not lay dead weight, and profitable. So you can at least compensate for the effect of inflation on savings, and with proper investment and earn more.

How can I help a smartphone? What does it mean to "invest surrender"?

Management Company "Alfa Capital" has released a mobile application "

Horizon Investments"- it helps save money with every purchase. Purchase amount "Horizon" is rounded to the nearest multiple of 100, and sends the difference to the account of the investment fund.

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For example, in the morning you come to the store, bought the office of mandarins by 170 rubles and could not resist the smell of fresh pastries from a nearby bakery - minus 60 rubles per bun. Where rolls, there is coffee and tea, and milk in the office has ended - another 65 rubles.

At lunch, you went to eat at a nearby cafe and paid for a business lunch 280 rubles. In the evening, sat with friends at the bar and left there 1560 rubles, then went to the grocery store for dinner - it is 475 rubles, and a taxi home spent 290 rubles. In total, the day you took 2900 rubles.

For the year at a pace you accumulate 73 000 rubles, and if you invest in an investment fund, this amount will be added more and profit from stocks or bonds.

The "Horizon" You set your own daily limit of rounding. If you need to quickly amass rental - delay of 500 rubles a day, and when there is a serious purpose, and you just want to have some money in reserve, the limit can be lowered to $ 100.

Force yourself to save money on a regular basis is difficult - free means you can always find interesting applications. "Horizon" helps manage the savings: you pay off the card, and the app intelligently manages the delivery.

Hmm, that is, the application manages my money. I can somehow influence it?

"Horizon" sends accumulation in mutual fund management company "Alfa Capital". The strategy depends on you - decide what you want to invest, and what seems to be the most attractive option.

You have a choice of three investment strategies:

• Conservative. For those who do not like to take risks. The money comes in the mutual fund "Alfa Capital Reserve", as the fund invests them in ruble bonds and shares of major Russian companies.

• Balanced. Suitable for those who have just started to save money. Means of controls mutual fund "Alfa Capital Bonds Plus". The Foundation works with government, municipal and corporate bonds in rubles.

• Aggressive. For investments in the long term. Funds Fund shareholders "Alfa Capital Eurobonds" invests in dollar-denominated bonds issued by Russian and foreign companies. Income is higher, but at short distances there is the risk of falling unit value due to currency fluctuations.

Class, but I do not understand anything. What is a Mutual Fund?

End investment fund - a kind of a common pot, where shareholders send their money. In return, they receive shares - shares, pursuant to which the Fund is distributed profits.

The funds are under the supervision of the management company. Traders and financial analysts to decide in which assets (such as stocks or bonds) to invest to make profits. If the value of the assets is growing, and increasing the value of each share, and shareholder equity.

To create your own portfolio of assets, should be well-versed in the device stock markets, have a decent supply of money to invest and the time to follow the fluctuations in the value of shares and bonds. With "Horizon" everything is easier: select the appropriate strategy, to set limits on the maximum amount of investment per day, and then the money managed by professionals of the stock market. Can invest any amount - even $ 100.

And it turns profitable?

It depends on how much you invest and what kind of strategy use. Thus, conservative and balanced strategy on the level of risk comparable to Rublev bank deposits, and aggressive - with the contribution in dollars. Asset Value posted on a conservative strategy for the year increased by 5.29%, on a balanced - by 3.81%, and aggressive - at 11.05%.

Money left over after rounding amounts from purchases, is not limited. The "Horizon" you can set a regular schedule for the investment - for example, every week sent to the investment account 500 rubles or delay of 5000 with each paycheck.

If you already have money who wants to dispose of sensibly, you can make a one-time investment. The amount that you sent to buy paov in the fund, and the change in the value of your savings are reflected in clear graphics.

¹ Yield OUIF "Alfa Capital Reserve" market-based financial instruments on 30.09.2019, the for 3 months. + 3.28%, for 6 months. + 6.07% for 1 year + 10.47% for 3 years + 30.64%.

² Yield OUIF market of financial instruments "Alfa Capital Bonds Plus" on 30.09.2019, the for 3 months. + 3.48% for 6 months. + 7.23% for 1 year + 11.95% for 3 years + 32.15%.

³ Yield OUIF market of financial instruments "Eurobonds Alfa Capital" on 30.09.2019, the for 3 months. + 4.73% for 6 months. + 4.98% for 1 year + 9.82% 3 years + 17.70%.

Wait, if my card will be written off something extra?

"Horizont" can not independently transfer the money somewhere, it just gets information about your purchases on the card and the status of an investment account. Making a payment in the Internet bank, which is connected to the horizon, supported by the code of the SMS.

Management Company "Alfa Capital" has been working for 26 years investment market, its activities are regulated by the Bank of Russia. The company has more than 1.2 million klientov¹, and the total volume of assets - more than 380 billion rubley².

The rating agency "Expert RA" has assigned"Alfa Capital": Company ratings Company "Alfa Capital" rating of A ++ ³ - an exceptionally high level of reliability and quality of service.

¹ Data on the results of 2018.

² Data on 7/31/2019, the

³ Data on 07/02/2019, the

All clear. What should I do to start?

Install the application "Horizon", connect the Internet bank and attach a map, which usually pay off. Now the application can connect to the Internet-Bank "Alfa-Bank", "Savings", VTB 24, "BIN", "Gazprombank", IBC and the bank "Opening" in the future banks will be more. To buy a share, you need to register and provide personal information.

Download for Android →

Download for iOS →

To start investing, do not need to possess a large fortune. You can earn even on the delivery - small amounts for which we do not pay attention, for a few years may bring potential revenue.

Learn more about the "Horizon"