As in our time to save up for an apartment

If you just put aside a small amount every month, then decades will pass before you buy a home. But if you invest the savings, it will be faster. Buying your own apartment - for many of us this is almost the most urgent issue. But property prices in the capital, and in other cities, have reached sky highs and, apparently, do not intend to go down with them. Many people question "how to accumulate in our time at an apartment" even with a salary of 30-40 thousand rubles seems almost unreal. And even with smaller incomes - and there's nothing to say. True, provided that for the accumulation of capital, traditional instruments such as keeping money at home under the mattress are used. But if, for example, "involve" mutual funds (mutual funds) or profitable bank deposits, the picture turns out to be quite different.

So, you're a middle manager. You get 42 thousand rubles a month, in recent years has accumulated a small amount, say 50 thousand rubles. At a moderate enough risk in four years, these funds can be turned into a substantial amount with a pleasant number of zeros. The main thing is to take the first step. Further it will be easier.

Who does not take risks ...

You can send your savings, as well as half of your income each month, to a mixed unit investment fund. It is best to choose "average", which shows a more or less stable income, but is not among the leaders of growth (the latter often after some time turn out to be outsiders). The average yield of such investments in recent years is approximately 37% per annum. Due to this strategy, the capital in four years will be 2 million 258 thousand rubles (see the plate). With this money you can already think about buying your own apartment.

In general, the same result can be achieved with investments in the index fund (in its name, most likely, will contain the phrase "MICEX Index"). However, such investments are associated with greater risks, that is, the probability that it will turn out to be less than planned is growing. But you can reach the limit of 2 million rubles in five years, and postpone monthly only 10 thousand rubles.

Mortgage without bondage.

Experience shows that it is 10 thousand rubles a month - this is the amount by putting off which you will feel the least discomfort. Of course, in a short time to multiply it can only be with the right strategy. With the good old approach (money - in the stocking), you at best save on the initial payment of a mortgage. Whereas with a monthly investment of 10,000 rubles in a low-risk enterprise (for example, a bank deposit with a 12% interest rate) two years later, the capital will be able to make up 260 thousand rubles. To accumulate 2 million rubles this way will take more than 11 years.

Buying an apartment for a mortgage, you need to focus on collecting the initial installment. If it is 20% of the cost of an apartment, let's say, it is necessary to collect 400 thousand rubles. The accumulation of this amount with a low level of risk will take three years.

Another useful financial trick is important to know if you decide to take a mortgage. For example, after paying interest and the most necessary expenses from your income there will be a certain amount. It can also be invested, say, in mutual investment funds with moderate risk. With an average yield of 20% in two years, you can get a decent amount to early repay part of the loan and accelerate the exit from bank bondage.

How much do I spend?

For accumulation it is very important to plan your finances efficiently, at least at the level of cost control. For example, at the end of last year a young girl working in a large Western company asked a specialist for advice. She earned 80 thousand rubles a month. To buy an apartment in the suburbs, she lacked 1.3 million rubles. The girl was sure that she would not be able to save this sum. Over the previous three years, she managed to postpone only 200 thousand rubles. It turned out that the whole issue is spending. Having calculated the necessary expenses (food, clothes, renting an apartment, etc.), they jointly found out that all this costs about 45 thousand rubles a month. The rest - spontaneous waste, from which it is possible to refuse. It turned out that if you save the remaining 35 thousand rubles each month, then 420 thousand will accumulate for a year. In two years you will get 840 thousand rubles and plus 200 thousand rubles. rubles of already existing savings. Total to purchase an apartment for 1.3 million rubles will need to report 260 thousand rubles, which is not so difficult to accumulate. In principle, they can even be borrowed. Thus, you can save for such an apartment in two years and eight months. If you save money on a deposit bank account, you can reach the goal three months earlier.

Simple arithmetic

Year

Initial amount, rub.

Monthly payment, rub.

Efficiency

Result, rub.

2008

50,000

21,000x12

37%

402,000

2009

21,000x12

37%

854 000

2010

21,000x12

37%

1 506 000

2011

21,000x12

37%

2 258 000

If the desire to buy an apartment is large, then certainly it is necessary to optimize the budget. What do I need to do?

1. To allocate expenses by kinds (products, obligatory payments, clothes, training of the child, etc.) and articles.

2. Identify those costs that can be reduced (buy products in bulk or go on vacation in the "dead" season).

3. Avoid irrational and unjustified expenses (for example, frequent purchases of jewelry).

4. Determine the appropriate amount of monthly investment, based on the balance of income and expenditure.

Nevertheless, one must understand that it is actually difficult to quickly save up for an apartment. This is certainly possible, but it takes considerable effort. And even requires certain victims. But you do not need to invest all the money that you have in PIFs. You need to leave some money on the bank deposit to be able to withdraw them in case of unforeseen expenses. It will help you feel more confident. But the main advice: do not keep all the money under the mattress. Let them work for you. And your dream.