Stavo pensando di sostituire il mio telefono vecchio di 6 anni. L’opzione Flexrate su Mobilezone sembrava un affare intelligente. Ho i soldi a titolo definitivo, tuttavia li metto da parte, investo in qualcosa e spero di aver realizzato un profitto dopo i 2 anni. dopo aver fatto un po’ di conti sui tovaglioli ho scoperto che i prezzi non quadrano. qualcosa che mi manca e, cosa più importante, qualche esperienza con Flexrate?
modifica: adoro quanto siano diverse le risposte Questo discussione essenzialmente sullo stesso argomento. c’è molto da imparare!
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di Adventurous_Self4125
7 commenti
how is that a smart deal anyway? you can get this phone for 749 CHF at Mediamarkt
-26.05 = 799
The 24th / last payment is 199.85 instead of 26.05, so you will get the 799
23×26.05 + 1×199.85
replacing your phone? just buy the phone out right lol
what even makes you think a subscription or installment will ever be better?
are you sure its not 23 payments and a balloon payment of 199.85? that‘s exactly 799. would need to read the full contract
26.05×23 + 199.85 = 799
They tell you it’s 26.05 for 23 months, plus a one-time billing of 199.85.
Honestly? If you have the money, just pay it all at once. It’s better to get it over with all at once; paying in instalments is, in my opinion, a bit dangerous. You think, ‘Great, I don’t have to give everything out at once’, then you do it for the next product, and so on. At the end of the day, you have different payments to make every month, like a subscription. I don’t know. I understand the reasoning behind it, but I still find it a bit risky.
https://www.toppreise.ch/price-comparison/Smartphones/APPLE-iPhone-17-256GB-Black-MG6J4QL-A-p818737?selsort=rd
You can get this phone for 750CHF.
I did a quick financial analysis with Claude and the nominal IRR (how much growth you need if you were to invest the money instead of paying 750chf upfront) annually required to justify the 49 CHF extra expense is 5.63% which is much higher than the 0.09% annual yield of a two year Swiss treasury.
You can borrow in CHF against your securities on IBKR for less than 2%, don’t know about your broker.
In other words it’s a waste of money and you are overthinking it.
And it’s such a small sum of money too. Chances are the transaction costs of liquidating 20fr of your investment every month will kill half the gains.
Just buy the mediamarkt one for 750 and save yourself the headache.