That offer at 800 MAD a month… or invest it?
Your operator or a shop offers the new phone for a monthly payment. Here is what the same money could become if you invested it instead — and what the phone is worth when you finish paying.
The offer
800 MAD
Months
Invested in
You pay
19 200 MAD
800 MAD × 24
New phone worth after 24 months
~6 912 MAD
Invested instead, after 24 months
~20 221 MAD
8 in 10 outcomes: 18 694 MAD – 21 920 MAD
13 309 MAD more than the new phone is worth
And if you leave it 10 more years
The new phone
~42 MAD
The investment
~34 540 MAD
8 in 10 outcomes: 23 970 MAD – 49 787 MAD
Invested (middle scenario)8 in 10 outcomesResale value of the item
Fair to say: with the instalment you get the item today; with investing you wait. Values are estimates with a range, not promises — markets go down too, Bitcoin a lot. Resale values are typical, your item may differ.