Investments through MegaFon Life: how to start with 100 somoni

Many people think that investing in the American stock exchange requires thousands of dollars and complex procedures. In fact, in Tajikistan, you can start with 100 somoni — right in the MegaFon Life app, which you likely already have installed.

What is investing through MegaFon Life

This is a service within the MegaFon Life app. You don't download a separate app, visit an office, or fill out long forms. Everything happens where you already pay for communication and purchase minutes.

The service is powered by the licensed broker “Birzhevoy Broker” (broker.tj). The company holds four licenses from the Ministry of Finance of the Republic of Tajikistan: brokerage, dealer, securities management, and depository.

How it works technically

When you open the “Investments” section in MegaFon Life, MegaFon, with your consent, transfers your data to the broker. You have already completed verification when purchasing a SIM card — thus, repeat KYC isn't needed. Your account is opened automatically with a single click.

Funding is done from your Life wallet — the same one you use to pay for communication. The Life wallet is technically linked to the Humo account, so your funds are held in the Tajik payment system.

What you can buy

Through the service, real securities are available, not CFDs or betting on price:

• Shares of U.S. companies (Apple, Tesla, Google, Microsoft, and others)
• ETFs on indices (S&P 500, Nasdaq 100)
• Bonds
• Stocks on NASDAQ Dubai, KASE, AIX exchanges
• Bitcoin-ETF (a security tied to bitcoin, not the cryptocurrency itself)

Important: owning Apple stock makes you a co-owner of Apple Inc. It is not a virtual point or a contract for difference in rates.

How much does this cost

Broker commission:

• Purchase — 0.3% of the transaction amount
• Sale — 0%
• Account opening — free
• Securities storage — free

The minimum top-up amount is 100 somoni. This means you can even buy a fractional share of an expensive stock. For example, an Apple stock currently costs about $227 — but for 100 somoni, you would buy approximately 0.04 of a stock. This is a real share stored in your name in the depository.

How to buy your first stock: 3 clicks

Click 1. Open the MegaFon Life app. Go to “Services” → “Investments.”

Click 2. Give your consent to transfer data to the broker. Your account opens automatically.

Click 3. Top up your account from the Life wallet. Choose a stock (for example, Apple or an ETF on the S&P 500) and click “Buy.”

That's it. You are an investor on the American exchange.

What's next

After the purchase, you will see the stock in your portfolio. If Apple pays dividends — they will be credited to your account. If the stock price increases — you can sell it at any time to lock in profits.

Remember: investments are not deposits. Stock prices can rise and fall. Past results do not guarantee future results. Therefore, it's better to start with an amount you can keep invested for at least a year.

Why it is convenient specifically in Tajikistan

Before launching this service, Tajik citizens didn't have an easy way to buy stocks on American exchanges. It was necessary to open accounts with foreign brokers, deal with foreign exchange controls, and transfer money through intermediaries. Now, all of this fits into one app that most people already have.

This is especially important if you send part of your earnings home or plan to save for large goals: children's education, a home, or retirement. Regular small stock purchases (the DCA strategy — dollar cost averaging) historically work better than trying to time the market.

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💡 If you are already a MegaFon subscriber — try it right now. Open Life → Services → Investments. Three clicks, 100 somoni — and you have your first stock on the American stock exchange.

LLC “Birzhevoy Broker” (Ministry of Finance RT Licenses #007/25, #008/25, #009/25, #010/25 from 06/25/2025). Financial instruments carry risk. Returns depend on the market value of assets. Not an individual investment recommendation. Material is for informational purposes only.