Life hack: how to save up for anything

When it comes to a big purchase, there are two options: take a loan or save yourself. In the first case, you get everything at once, but you are obliged to make monthly payments and in the end you overpay. In the second, with a modest 6-8% per annum on a deposit with replenishment, which banks give today, you have to wait a long time. But you are saving.

The Alfa-Capital application can become an alternative to both a loan and a deposit. It looks like a digital piggy bank, in which money is not only stored, but can also generate additional income - up to 25% per annum. At the first launch, the application will ask you what you want to save up for. Then he will suggest in which of the three piggy banks to start adding money and how much to add monthly in order to collect it faster. We decided to check whether saving in Alfa-Capital is really cooler than buying on credit.

How to save up for an apartment or a car: Alfa Capital

Savings versus credit: settlements

Let's check. Let's take a few expensive things, compare their purchase on credit and with the help of three Alfa-Capital piggy banks. Let's see what benefit Alfa Capital will give.

1. Apartment in New Moscow for 4,000,000 rubles

Mortgage. You can immediately buy a finished apartment on a mortgage with an initial payment of 1,500,000 rubles and a rate of 10, 49% per year. The online calculator suggests that for a loan term of five years, a mandatory payment of 53,700 rubles must be made every month. In total, after five years of monthly payments to the bank, you will pay 4,722,000 rubles for an apartment instead of 4 million.
Alfa Capital. If you have somewhere to live, or you are not against rented apartments, you can put the same one and a half million in Alfa-Capital Liquid Shares for five years and just wait. When the term came to an end, your balance would be like this:

Own money - 1,500,000 rubles.

Interest income - 3,082,800 rubles.

Total - 4,582,800 rubles.

You will be able to pick up 4 582 800 rubles, buy an apartment and even make a modest renovation in it. It turns out that with the same starting opportunities with Alfa-Capital, you would get an apartment, albeit not immediately, but without debts for five years and overpayments.

During the entire period, you do not need to make monthly payments.

2. Car KIA Rio for 764 900 rubles

Car loan. With a loan term of 36 months, the interest rate will be 14.8% per annum. The initial payment is 25% of the amount (191,225 rubles). The monthly payment for three years is 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 of the car in Alfa-Capital Balance for 3 years and monthly replenishment of the piggy bank at 23,314 rubles. In 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 Alfa Capital's piggy bank the same amount as the monthly payment on a car loan, within the same three years you would have saved up for almost two cars.

3. Vacation in the Maldives for 250,000 rubles

Installment plan. You can arrange an installment plan for six months. There will be no overpayment, but every month you will have to pay 42,000 rubles to cover the debt.
Alfa Capital. If you start preparing for your vacation in advance and save 21,000 rubles each month in your “Resources” box, in a year you will accumulate 286,161 rubles.

Own money - 252,000 rubles.

Interest income - 34,161 (+13.6%) rubles.

Total - 286,161 rubles.

Save a whole year. However, the amount you have to part with every month is two times lower. You will spend less of your own money. Plus, no debt!

But why are the percentages so high?

Every ruble that falls into the Alfa-Capital piggy bank ends up in a mutual investment fund - a common “basket” into which other people, like you, add their money. And the funds themselves are under the control of professional managers of Alfa-Capital. They decide when and what kind of financial instruments to buy and sell with this money in order to make a profit. For example, the fund's money can be invested in the shares of large Russian and foreign companies. Therefore, your funds are in circulation and make a profit.

It is very difficult to assemble your own portfolio of stocks, resources and other instruments on your own. You need special knowledge and skills, you need to understand what is happening in the financial markets. It is also time consuming, costly and risky. Therefore, people are united in mutual funds.

As a result, by investing your money in Alfa-Capital, you could:

Get a profit several times more than from a regular deposit.
Save up for a large purchase faster than with a bank deposit.
Buy the thing you need at your own expense, without getting into debts and loans.

Is it generally reliable?

You don't put all your eggs in one basket. Your money, regardless of the size of the deposit, is invested in dozens of different stocks and bonds. In fact, you minimize the risks associated with an unstable economic situation.

For example, 28.9% of the fund "Alfa-Capital Liquid Shares" is accounted for by banks and financial companies, 40.6% - in the oil and gas and fuel industries, 9.36% - in raw materials and supplies. Only ten shares - ten baskets.

Therefore, Alfa-Capital is suitable for those who want to quickly save up for a large purchase, but are not ready to take risks.

Okay, it's great. How to start saving in the app?

Alpha Capital: choose what you will save for

You need:

Download and install the Alfa-Capital application.
Select directly in the application what you want to save up for: an apartment, a car, an iPhone, your own island.
After you decide on a future purchase, Alfa-Capital will make the calculations itself and offer the best option in order to raise funds as quickly as possible.
Choose a piggy bank in which you will add money. The application has three piggy banks with different profitability, as well as brief information and a profit calculator under each of them.
Fill out a short form with personal data. The fastest way to do this is through authorization on the "State Services". At the same time, you fill out an application for opening a piggy bank online right in the application. No need to go to the office and sign documents.
Put the first money in the piggy bank! This is done directly in the application by payment from a bank card. You can turn on the auto-replenishment function, then Alfa-Capital will monthly write off the required amount from the card and put it in the piggy bank automatically.

If you do not touch the piggy bank for three years, you can receive a tax deduction from the state.

Disclaimer:

You can get detailed information on the activities of Alfa-Capital Management Company LLC on the Internet at the address: www.alfacapital.ru.

The term "Piggy bank" means a mutual investment fund, and savings - investments in shares of a mutual investment fund.

Trust management rules No. 0909-94126641 were registered by the Federal Financial Markets Service of Russia on 2007-07-08. Open-ended mutual fund of market financial instruments "Alfa-Capital Resources".

Open-ended mutual fund of market financial instruments "Alfa-Capital Balance". Trust management rules No. 0500-94103344 were registered by the Federal Financial Markets Service of Russia on April 13, 2006.

Open-ended mutual fund of market financial instruments "Alfa-Capital Liquid Shares". Trust management rules No. 0387-78483850 were registered by the Federal Financial Markets Service of Russia on August 18, 2005. The above calculations of profitability for the open-ended mutual fund "Alfa-Capital Liquid Shares" are given for the periods 07.07.14 - 05.07.19.

The above calculations of profitability for the open-ended mutual fund "Alfa-Capital Balance" are given for the periods 06.07.16 - 05.07.19.

The above calculations of profitability for the open-ended mutual fund "Alfa-Capital Resources" are given for the periods 06.07.18 - 05.07.19.