Ich dachte darüber nach, mein 6 Jahre altes Telefon auszutauschen. Die Flexrate-Option auf Mobilezone schien ein kluger Deal zu sein. Ich habe das Geld komplett, aber ich lege es beiseite, investiere in etwas und habe hoffentlich nach den 2 Jahren einen Gewinn gemacht. Nachdem ich ein paar Serviettenrechnungen angestellt hatte, stellte ich fest, dass die Preise nicht stimmen. Fehlt mir irgendetwas und noch wichtiger: Gibt es Erfahrungen mit Flexrate?
Edit: Ich finde es toll, wie unterschiedlich die Antworten sind Das Thread über im Wesentlichen das gleiche Thema. viel zu lernen!
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Von Adventurous_Self4125
7 Kommentare
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.