Life hacking: how to save up for anything
Tips / / December 19, 2019
When talking about the big purchase, there are two options: take a loan or save himself. In the first case, you get everything at once, but are required to make monthly payments and end up overpaying. In the second, with a modest 6-8% per annum on the deposit with the completion of that give Today, banks have to wait long. But you save.
Application "Alfa Capital"May be an alternative, and loan and deposit. It looks like a digital piggy bank, where money not only kept, but also can bring in additional income - up to 25% per annum. When you first start the app will ask you what you want to save. Then propose which of the three piggy banks to start putting money and how much to add on a monthly basis to collect them faster. We decided to check whether or not to save in the "Alfa Capital" better than buying on credit.
Accumulation against the loan: Calculations
Let's check. Take a few expensive things, compare them to buy on credit and with the help of three piggy banks, "Alfa Capital". Let's see what benefit would "Alfa Capital".
1. Apartment in New Moscow for 4 million rubles
- Mortgage. You can buy immediately ready apartment in the mortgage with an initial contribution of 1.5 million rubles, and the rate of 10.49% per year. Online calculator suggestsThat the credit period of five years, each month you need to make a compulsory payment is 53 700 rubles. Total five years of monthly payments the bank will give you the rent 4.722 million rubles instead of 4 million.
- "Alfa Capital". If there is a place to live, or you do not mind removable apartments, we can put the same in one and a half million "Alfa Capital Liquid shares" for five years, and just wait. When the term would come to an end, your balance would be:
Own money - 1.5 million rubles.
Interest income - 3,082,800 rubles.
Total - 4,582,800 rubles.
You can pick up 4,582,800 rubles to buy an apartment, and even make it a modest repairs. So, at the same starting opportunities with the "Alpha Capital" you would get an apartment even if not immediately, but no debt for five years, and overpayments.
During the whole period you do not have to make monthly payments.
2. KIA Rio car for 764 900 rubles
- Car Loan. When the credit period of 36 months, the interest rate would be 14.8% per annum. Down payment - 25% of the amount (191 225 rubles). Monthly payment for three years of 23 314 rubles. As a result, you will overpay 242,315 rubles, giving 1,007,215 rubles for a car worth 764,900 rubles.
- "Alfa Capital". Placing the same 25% of the cost machine "Alfa Capital Balance" for 3 years and a monthly refill piggy bank for 23,314 rubles. At the end you get the following picture:
Own money - 1,007,215 rubles.
Interest income - 345 043 (+ 34.3%) rubles.
Total - 1,352,258 rubles.
Putting aside in a piggy bank "Alfa Capital" the same amount as the monthly payment on car loan, for the same three years, you would have accumulated almost two cars.
3. Holidays in the Maldives for 250 000 rubles
- Installment. You can arrange installments for six months. Overpayments will not, but every month you have to give to 42 000 to close the debt.
- "Alfa Capital". If we start preparing for the holiday in advance and set aside each month into a piggy bank "Resources" 21 000 a year you have accumulated 286 161 ruble.
Own money - 252 000 rubles.
Interest income - 34,161 (+ 13.6%) ruble.
Total - 286 161 rubles.
To save the whole year. However, the amount which you have to give up on a monthly basis, is two times lower. You'll spend less of their own money. Moreover, no debts!
But why such a high percentage?
Every ruble, which fell into a piggy bank "Alfa-Capital", falls into the mutual fund - a common "basket", which as well as you do, put the money other people. And the funds themselves are controlled by professional managers, "Alfa Capital". They decide when and what kind of financial instruments on the money to buy and sell to make a profit. For example, a money fund may be invested in shares of large Russian and foreign companies. Therefore, your funds are in circulation and make a profit.
Self-build your own portfolio of shares, resources and other tools is very difficult. We need special knowledge and skills required to be sure to understand what is happening in the financial markets. In addition, it is long, costly and risky. That's why people come together in mutual funds.
As a result, investing their money in "Alfa Capital", could you:
- A profit is several times greater than that of a conventional deposit.
- Save up for a major purchase faster than bank deposits.
- Buy the right thing at his own expense, without getting into debts and loans.
And it is generally reliable?
You are not is putting all your eggs in one basket. Your money, regardless of the size of the contribution is invested in dozens of different stocks and bonds. In fact, you minimize the risks associated with the unstable economic situation.
For example, 28.9% of the fund "Alfa Capital Liquid shares of the" fall on banks and financial companies, 40.6% for natural gas and fuel industry, 9.36% - raw materials and materials. Only ten shares - ten baskets.
Therefore, the "Alfa Capital" for those who want to quickly build up to a big purchase, but not willing to risk.
Okay, everything's cool. How to start saving in the application?
You need:
- Download and install the application "Alfa Capital».
- Directly in the application to choose what you want to save: an apartment, a car, iPhone, your own island.
- After decide the future purchase, "Alfa Capital" itself will make the calculations and will offer the best option to raise funds as quickly as possible.
- Select a piggy bank, which will put the money. The application has three piggy banks of different yield, as well as a summary and calculator profit under each of them.
- Fill out a short form with your personal data. The fastest way you can do it through the authorization "of public services." In this case, the application for the opening of the piggy bank you arrange online right in the app. No need to go to the office and sign the documents.
- Put in the treasury of the money first! This is done directly in the application to pay with a credit card. You can enable Autorecharge, while "Alfa Capital" will be on a monthly basis to write off the required amount from the card and enclose in a coin box automatically.
If within three years of the treasury did not touch it, you can get a tax deduction from the state.
Install the application
Price: Free
Price: Free
Disclaimer:
For more information on the activities of OOO MC "Alfa Capital" you can get on the Internet at the following address: www.alfacapital.ru.
The term "piggy bank" means a mutual fund under the savings - investment in mutual fund shares.
Rules of trust management 0909-94126641 number registered by FSFM of Russia 07.08.2007 OUIF market of financial instruments "Alfa Capital Resources".
OUIF market of financial instruments "Alfa Capital Balance". Rules of trust management 0500-94103344 number registered by FSFM of Russia 13.04.2006
OUIF market of financial instruments "Alfa Capital Liquid shares." Rules of trust management 0387-78483850 number registered by FSFM of Russia 18.08.2005 The above calculations yield OUIF "Alfa Capital Liquid shares" listed for the periods of 7/7/14 - 07.05.19, the
The above calculations yield OUIF "Alfa Capital Balance" shows for the periods of 7/6/16 - 07.05.19, the
The above calculations yield OUIF "Alfa Capital Resources" for a given period of 06/07/18 - 07.05.19, the