Personal Finance

iPhone 15: Are You Buying with Your Capital or Your Returns?

2 Mins read

In this era of swift advancement in smartphone tech, new iPhone releases have become an annual event eagerly anticipated by millions worldwide. 

The iPhone 15 is being released today and is going to be the latest addition to Apple’s iconic lineup, promising its cutting-edge features as usual, one that Apple fans always find hard to resist.

However, before you rush after the launch to the nearest Apple store with your wallet in hand, it’s essential to consider whether you should be using your raw capital or rather the returns from your investments to make this purchase. 

I say raw capital because the iPhone 15 is expected to cost starting from $799 (that’s about N750,000) not to talk of other variations like Plus, Pro and Pro Max.

The Temptation of Trend Purchases

The allure of owning the latest iPhone is undeniable. Apple’s marketing prowess ensures that each new release feels like a must-have item. 

The sleek design, improved camera capabilities, and enhanced performance are all factors that can quickly push consumers towards making a purchase decision. 

However, it’s vital to take a step back and assess how this decision aligns with your financial goals.

Using Capital to Buy iPhone 15


  1. Immediate Ownership: Using your capital means you acquire the iPhone 15 right away without incurring any debt or interest charges. This can provide a sense of satisfaction and eliminate the worry of monthly payments suppose you had to take a loan.


  1. Reduced Liquidity: Spending your capital on a consumer item like the iPhone 15 ties up funds that could have been used for more lucrative investments or emergency expenses.
  2. Missed Investment Opportunities: By allocating your capital to a depreciating asset like a smartphone, you may miss out on potential returns from other investments that could have grown over time.

Using Returns to Buy iPhone 15


  1. Preserving Capital: By using returns from investments, you keep your capital intact, allowing it to continue growing over time.
  2. Leveraging Gains: If your investments have generated returns exceeding the iPhone’s cost, using these gains makes the purchase feel more like a financially responsible decision.
  3. Diversification: Utilizing returns for non-essential purchases while preserving capital can promote diversification because you still have strong capital to spread across investment classes.


  1. Opportunity Cost: Depending on the investment, using returns for expenses like the iPhone 15 may mean missing out on opportunities to reinvest profits and potentially compound wealth.

Where can we strike a balance?

Ultimately, the decision to buy the iPhone 15 with capital or returns hinges on where you are financially. It also depends on whether you are buying it for work or just merely to satisfy your wants. Know where to strike a balance between enjoying life’s pleasures and ensuring your long-term financial well-being.

Bottom Line

Probe your decision-making behind wanting to acquire a trendy smartphone like the iPhone 15. Making an informed decision, whether it’s using your capital or returns, can impact your financial stability depending on where you are. 

Finally, remember that financial health and enjoying life’s luxuries need not be mutually exclusive; it’s all about finding the right balance.

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