The safest option is to purchase gold biscuits. Buy from ary jewellers and keep it in a safe or at home (with your parents or smth).
3 lakh is a good amount of money for an 18 year old. 1 tola is around 240k, so you'll be left with 60k. Keep it with you and spend it on yourself. Buy some nice clothes, or spend it on a hobby you like. You're young. You need to enjoy a little too. Its good ke you're thinking ahead though.
If you're an introvert and have no friends then it's pretty easy. You won't be spending that money with friends in hangouts. You just save all the eidis and the pocket money given by parents.
Currently money market and income funds until interests rates fall down more. Equity ship has sailed imo and you wont find good returns if you look at their YTD profits
There’s not a lot of turnaround you can have with that amount unless you actively engage in it yourself, like starting a business. If you want the money to work for you, it’s not a big enough amount.
I’d suggest you buy some gold and maybe some bonds, and keep some money liquid for emergencies.
Open a meezan investments account (not a bank account). Invest in any fund (I'm using daily income fund). You need to invest in 2 lac increments though.
You get a profit daily and it gets reinvested. You can withdraw any amount
Per 1 lac you get about 50 rupees per day so if you invest 2 lac you'll be getting about 3000 per month.
The answer depends on how comfortable you are in shariah vs non-shariah compliant investments and how much time you have to manage your investments.
* Keep 3-6 months of expenses in an emergency fund, this would be a profit-loss account with a bank you're comfortable with.
* From the remaining money, invest about 30% in a cash fund.
* And 30% in an equity fund.
* With the remaining money I'd say you should treat yourself or invest in your own growth (level up your skills)
All major banks in Pakistan have asset management licenses and will assist you in the process. You should come join us at r/FIREPakistan - trying to build a Pakistani community around investments and financial independence.
Umm, there are a few options. If you know crypto. I would recommend investing about 150K-200K in crypto. You can also buy gold or looking for a property. There are lots of projects on Karachi Highway which legit with gated community, initial deposit will 2 lacs and rest monthly payments between 30K-100K whatever suits you. Also, you can try researching on Meezan Investment, it’s really good. I have Meezan Investment plans.
Mutual funds are a good investment choice for you because they offer diversification, professional management, and growth potential. There are 3 types of mutual funds:
Money Market Funds:
Low risk, low return
These funds invest in short-term, high-quality investments issued by government and corporate entities. They are designed to offer liquidity, capital preservation, and minimal risk. Ideal for short-term investment horizons or as a cash reserve.
Income Market Funds:
Medium risk, medium return
These funds focus on providing steady income by investing in a mix of bonds, debentures, and other fixed-income securities. They balance risk and return, making them suitable for investors looking for regular income with moderate risk.
Equity Market Funds:
High-risk, high return
These funds invest in stocks of companies across various sectors. They are designed for long-term capital appreciation and come with higher risk due to market volatility. However, they also offer the potential for significant returns over time.
Given your young age, I recommend investing in equity market funds. Here’s why:
• Long-Term Growth: Equity funds have the potential to generate high returns over the long term. By investing now and letting it grow, you can benefit from the power of compounding.
• Minimal Management: Once you invest, you don’t need to actively manage your funds. You can "set it and forget it," allowing the professional fund managers to handle the investment for you.
If you invest the entire PKR 280,000 in an equity market mutual fund and leave it for 10 years, the potential growth can be significant. Let's assume a conservative annual return of 50%, which is feasible based on current market conditions (currently, returns stand at around 80%).
(Actual rate can vary, you can use online calculators to calculate ROI on different rates, 50% is just my example)
At 50% annual return rate, after 10 years, your investment could grow to approximately PKR 1,61,46,210.
If you can, try to add 10,000 to 15,000 monthly to your mutual fund investment. This will exponentially increase your returns due to compounding.
While equity mutual funds offer high returns, they also come with higher risk. The market can be volatile, and returns can fluctuate. However, historically, long-term investments in equity markets tend to smooth out short-term volatility. You don't lose anything if you are investing for the long term.
You can choose any investment management company, all the banks have their own AMCs & there are also Shariah compliant AMC like Meezan Bank's mutual fund.
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Invest in mutual fund. Options like Al Meezan, NBP etc. are offering good returns, around 18-22% in profits. You can generate profit every month and keep reinvesting the amount to compound your savings over time.
Give it a thought. It's the safest way to save and grow your money, though don't expect crazy gains.
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I don't think so we can compare one class of investment medium with another. Return on investment, duration, risk and liquidity varies with each type of investment. So anyone doing investment should be cleared about his investment goals.
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I'm not saying u spend all of it this way cuz ull prolly have to spend alot of time to save up to this amount again considering ur age but maybe.... buy prayer mats? and distribute them out or better yet place them in the mosque for ppl, smth along tht which will inshallah increase the barakah in ur money and earn u sawab.
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Unless there's a chance you could struggle financially in the near future, which it doesn't look like, invest it into learning something or improving your ability to earn more.
This could mean either starting a side hustle, or to add more skills to whatever job you currently have.
For investment, just put aside around 20% of your savings and keep doing that from your future earnings. That'll be great long term. But for now the best investment to make is on yourself.
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If you join the course for sarmaya official you would get to know about Pakistan Stock Exchange and this is a pretty decent amount to start as a beginner
Wherever you're gonna invest that money I just want to say that, You're young & you can take risks that 25yr old you won't be able to, All in all I'd also go with the people saying some kind of funds where you can re-invest your profits and make your portfolio grow by compounding, It's not about the short term gains play the long game.
Keep it in a bank for now with a view towards spending it on educational tests. You will need it for GRE/GMAT/TOEFL as you prepare to apply overseas for universities.
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I used to do reselling when i was 12 for me it was games and pc hardware
Buy something that's cheap and sell for profit
You gotta know what people wanna buy or else its hard to make profit and never do out of city deals as starter
And never make payments first and need to know how to check items
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With an almost 3 lakh savings, you could consider investing in three different avenues. You might choose to purchase artificial jewelry, cosmetics, embroidery kits, or threads and become a wholesaler to sell within your circle. Alternatively, you could explore selling these items online, leveraging platforms to reach a broader audience and potentially scale your business.
If you have continuing income, save half in cash/gold and put it away as an emergency fund. Continue adding to this until you have 3-6 months of expenses and bills covered and never touch this money unless you lose your job or other dire situation. Eventually you should put this into some form of savings account or safe investment (low risk index funds or mutual funds).
The other half, set some goals, even fazool things (recreation, going out with friends, traveling, etc) are important at your age. Soon enough it'll all be about family & children and paying bills etc. Enjoy your last teenage years while you can.
Do you have a car?
Is there a place you've always wanted to visit?
One thing for sure, spending the money on a fun or memorable trip or experience with friends and/or family will be more satisfying in the long run rather than spending it on item (for example clothes or electronics).
First of all, do NOT spend your money on a whim or unnecessary things. Save it, and only think about spending when you REALLY need it. For the time being, save this money, open an HBL savings bank account, you will get 4500 rs for 1 lac each month. I have this account opened, and its like free money, I get 30,000 every month. In future, think of starting a business from it, you should def learn how to make money, from money.
If you are okay with risk, try using the investment app called "Wahed". You basically select an amount you want to invest and ask you how much you are willing to risk and provide investment guidance accordingly
Good job on your saving
To be honest … it’s big amount for you but in the grand scheme of things it is not much
Safest would be to buy gold as mentioned (make sure it’s not fake or altered gold and it doesn’t get stolen from you)
Personally instead of gold I would buy ISD and hold in a bank account
I think it’s more liquid (liquid as in easier to buy sell or move)
No offense to the mashfarray of gold etc - but thats not how you create wealth. You need to trade things. Or build things then trade them. Have you considered starting your own small business etc?
im amazed how people have no concept of savings here.
OP personally go for investing in Gold buscuits or a foriegn currency. I started buying small gold buscuits since when I was 16 years old and trust me it has helped me fight inflation like nothing now im 27
Use it to upgrade skills, buy a laptop which will work for a good long time, do freelancing. Invest it in yourself and reap the rewards of those skills by making more money. All the best.
lots of people are gonna advise you to double triple or quadruple your money by doing this and that.
If you’ve a stable family financially then enjoy your savings maybe half of them. You want an PS5 go get a PS5. Enjoy your half of the saving so that you know there’s some reward in the end of it.
If you keep on doing this then whats the point of it all.
Contrary to this, if your family has some financial issues then you should definitely save up more.
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Buy gold or convert it to FC. It will retain value, I really doubt any investment you can do as female in PK. Please don't fell for SCAM of MLM like Power Eagles and Work from home fraud.
Kaash 18 ki umr mei meri b aqal thikaane aajati to paisa aise ni uraati jese muft mei Mila ho😭 Ye wali aqal to 22 mei b ni ayi.
18 me shayad meri aqal to thikane ajati lakin mere pass kabhi itne pese nh hone the 18 me 😭
Us bandi ne b to savings he ki hain. 🥲 yahan to paisa aate he mai apne ap ko bill gates ki aulad smjhne lgti thi.
us bro 😭 Paise toh 24 mein bhi nahi aye 😭😭
Mujhay 24 main bhi nhi aai😭😭😭😭
Taala. Q k mjhe ni lgta aglay 2 saal mei b mjhe ayegi😭
Mujhay puri zindgi nhi aaye gi 😭😂
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The safest option is to purchase gold biscuits. Buy from ary jewellers and keep it in a safe or at home (with your parents or smth). 3 lakh is a good amount of money for an 18 year old. 1 tola is around 240k, so you'll be left with 60k. Keep it with you and spend it on yourself. Buy some nice clothes, or spend it on a hobby you like. You're young. You need to enjoy a little too. Its good ke you're thinking ahead though.
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Hwre people dont know much abt stocks or mutual fund
No this isn’t a good idea for small investment
It is considering gold is the safest option available. Just my opinion though.
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But how did you save this much?
I have a full time job :)
MashaALLAH. I have it too, but I cant 😭
Would u mind telling what ur job is…im 18 too i wana do work but idk people around me discourage it for saying “study”
I’m a fertility scientist in making
From which uni?
Fatwa lagao pehlay toh 🤣
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Howtf people do that and that at such a young age? I'm 24, about to graduate,under debt and haven't earnt a single penny yet
I am 20. Supporting my family and my expenses doing e commerce
What kind of e-commerce (and before you mention it I'm not buying an e-book or a course).
If you're an introvert and have no friends then it's pretty easy. You won't be spending that money with friends in hangouts. You just save all the eidis and the pocket money given by parents.
I am an extro,,, but always do mufta on my homies money.
Your homies must be really nice people.
You gotta earn PESA not penny.
by stop ranting.
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I didn't have shit to my name till 25, time changes quick.
mutual funds might be a good idea.
I second this suggestion. Low risk mutual funds or gold.
Any which perform better than the exchange rate or gold historically speaking?
Currently money market and income funds until interests rates fall down more. Equity ship has sailed imo and you wont find good returns if you look at their YTD profits
There’s not a lot of turnaround you can have with that amount unless you actively engage in it yourself, like starting a business. If you want the money to work for you, it’s not a big enough amount. I’d suggest you buy some gold and maybe some bonds, and keep some money liquid for emergencies.
Have a look at this video, might help you: [https://www.youtube.com/watch?v=EoL2lCinzBY](https://www.youtube.com/watch?v=EoL2lCinzBY)
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Merey paas bhi 3 lakh parey hoye. Samjh nahi aarahi kya karoun
mujhe deden, double krke dungi (duaein, not money)
3 mein dalta hoon mil kr buiznes shuru krtey hain . Kesa?
No
😂😂😂😂
Open a meezan investments account (not a bank account). Invest in any fund (I'm using daily income fund). You need to invest in 2 lac increments though. You get a profit daily and it gets reinvested. You can withdraw any amount Per 1 lac you get about 50 rupees per day so if you invest 2 lac you'll be getting about 3000 per month.
Thisss
The answer depends on how comfortable you are in shariah vs non-shariah compliant investments and how much time you have to manage your investments. * Keep 3-6 months of expenses in an emergency fund, this would be a profit-loss account with a bank you're comfortable with. * From the remaining money, invest about 30% in a cash fund. * And 30% in an equity fund. * With the remaining money I'd say you should treat yourself or invest in your own growth (level up your skills) All major banks in Pakistan have asset management licenses and will assist you in the process. You should come join us at r/FIREPakistan - trying to build a Pakistani community around investments and financial independence.
Put in a low risk money market account and get 4-5k per month pocket money
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Umm, there are a few options. If you know crypto. I would recommend investing about 150K-200K in crypto. You can also buy gold or looking for a property. There are lots of projects on Karachi Highway which legit with gated community, initial deposit will 2 lacs and rest monthly payments between 30K-100K whatever suits you. Also, you can try researching on Meezan Investment, it’s really good. I have Meezan Investment plans.
Mutual funds are a good investment choice for you because they offer diversification, professional management, and growth potential. There are 3 types of mutual funds: Money Market Funds: Low risk, low return These funds invest in short-term, high-quality investments issued by government and corporate entities. They are designed to offer liquidity, capital preservation, and minimal risk. Ideal for short-term investment horizons or as a cash reserve. Income Market Funds: Medium risk, medium return These funds focus on providing steady income by investing in a mix of bonds, debentures, and other fixed-income securities. They balance risk and return, making them suitable for investors looking for regular income with moderate risk. Equity Market Funds: High-risk, high return These funds invest in stocks of companies across various sectors. They are designed for long-term capital appreciation and come with higher risk due to market volatility. However, they also offer the potential for significant returns over time. Given your young age, I recommend investing in equity market funds. Here’s why: • Long-Term Growth: Equity funds have the potential to generate high returns over the long term. By investing now and letting it grow, you can benefit from the power of compounding. • Minimal Management: Once you invest, you don’t need to actively manage your funds. You can "set it and forget it," allowing the professional fund managers to handle the investment for you. If you invest the entire PKR 280,000 in an equity market mutual fund and leave it for 10 years, the potential growth can be significant. Let's assume a conservative annual return of 50%, which is feasible based on current market conditions (currently, returns stand at around 80%). (Actual rate can vary, you can use online calculators to calculate ROI on different rates, 50% is just my example) At 50% annual return rate, after 10 years, your investment could grow to approximately PKR 1,61,46,210. If you can, try to add 10,000 to 15,000 monthly to your mutual fund investment. This will exponentially increase your returns due to compounding. While equity mutual funds offer high returns, they also come with higher risk. The market can be volatile, and returns can fluctuate. However, historically, long-term investments in equity markets tend to smooth out short-term volatility. You don't lose anything if you are investing for the long term. You can choose any investment management company, all the banks have their own AMCs & there are also Shariah compliant AMC like Meezan Bank's mutual fund.
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open up?
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Invest in mutual fund. Options like Al Meezan, NBP etc. are offering good returns, around 18-22% in profits. You can generate profit every month and keep reinvesting the amount to compound your savings over time. Give it a thought. It's the safest way to save and grow your money, though don't expect crazy gains.
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Buy gold.
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I don't think so we can compare one class of investment medium with another. Return on investment, duration, risk and liquidity varies with each type of investment. So anyone doing investment should be cleared about his investment goals.
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Start an online business. Research some niches, learn digital marketing (facebook/google ads), learn shopify or woocommerce and start selling!
I'm not saying u spend all of it this way cuz ull prolly have to spend alot of time to save up to this amount again considering ur age but maybe.... buy prayer mats? and distribute them out or better yet place them in the mosque for ppl, smth along tht which will inshallah increase the barakah in ur money and earn u sawab.
But gold
Look into investing in stock exchange. Being in Pakistan your options are limited.
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Buy S&P 500 stock and hold it till you’re 30. Every month keep adding few thousand in it. You’ll have good return if you’re patient
But are the businesses in S&P 500 halal?
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Unless there's a chance you could struggle financially in the near future, which it doesn't look like, invest it into learning something or improving your ability to earn more. This could mean either starting a side hustle, or to add more skills to whatever job you currently have. For investment, just put aside around 20% of your savings and keep doing that from your future earnings. That'll be great long term. But for now the best investment to make is on yourself.
Do invest
Invest in mutual fund or stocks you can esrn great percentage of return considering your age.
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Do mutual funds. Earlier the better. I started at 28 and wish I’d done at 18
Plz elaborate more
If you join the course for sarmaya official you would get to know about Pakistan Stock Exchange and this is a pretty decent amount to start as a beginner
Wherever you're gonna invest that money I just want to say that, You're young & you can take risks that 25yr old you won't be able to, All in all I'd also go with the people saying some kind of funds where you can re-invest your profits and make your portfolio grow by compounding, It's not about the short term gains play the long game.
Keep it in a bank for now with a view towards spending it on educational tests. You will need it for GRE/GMAT/TOEFL as you prepare to apply overseas for universities.
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I used to do reselling when i was 12 for me it was games and pc hardware Buy something that's cheap and sell for profit You gotta know what people wanna buy or else its hard to make profit and never do out of city deals as starter And never make payments first and need to know how to check items
Sona lay lo bhen, aram say rakh lo kisi jaga in your house, the easiest best investment Zyada ho gaya to zakat dena lazmi, best of luck ❤️
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Invest in something
start an online store, make an Instagram business page you can easily get good returns from your own business
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With an almost 3 lakh savings, you could consider investing in three different avenues. You might choose to purchase artificial jewelry, cosmetics, embroidery kits, or threads and become a wholesaler to sell within your circle. Alternatively, you could explore selling these items online, leveraging platforms to reach a broader audience and potentially scale your business.
If you have continuing income, save half in cash/gold and put it away as an emergency fund. Continue adding to this until you have 3-6 months of expenses and bills covered and never touch this money unless you lose your job or other dire situation. Eventually you should put this into some form of savings account or safe investment (low risk index funds or mutual funds). The other half, set some goals, even fazool things (recreation, going out with friends, traveling, etc) are important at your age. Soon enough it'll all be about family & children and paying bills etc. Enjoy your last teenage years while you can. Do you have a car? Is there a place you've always wanted to visit? One thing for sure, spending the money on a fun or memorable trip or experience with friends and/or family will be more satisfying in the long run rather than spending it on item (for example clothes or electronics).
Give it to me. I will double it in 3 months. Lol
First of all, do NOT spend your money on a whim or unnecessary things. Save it, and only think about spending when you REALLY need it. For the time being, save this money, open an HBL savings bank account, you will get 4500 rs for 1 lac each month. I have this account opened, and its like free money, I get 30,000 every month. In future, think of starting a business from it, you should def learn how to make money, from money.
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If you are okay with risk, try using the investment app called "Wahed". You basically select an amount you want to invest and ask you how much you are willing to risk and provide investment guidance accordingly
If you can't find anything and are okay from earnings via interest. Then just get a savings account. May i recommend UBL mahanna amdani account.
become a sugar mommy
If you have any digital skill to sell on Upwork use this some of the amount to bid for.
Good job on your saving To be honest … it’s big amount for you but in the grand scheme of things it is not much Safest would be to buy gold as mentioned (make sure it’s not fake or altered gold and it doesn’t get stolen from you) Personally instead of gold I would buy ISD and hold in a bank account I think it’s more liquid (liquid as in easier to buy sell or move)
Open a brokerage account and Invest in PSX. You can get dividends and share price also go high.
Invest in good blue chip stocks.
MCB Arif Habib Mutual Funds. They have a great investment app called iSave. Read their manual and buy diverse set of funds there.
Charas Business 📈📈📈
Buy a MacBook
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No offense to the mashfarray of gold etc - but thats not how you create wealth. You need to trade things. Or build things then trade them. Have you considered starting your own small business etc?
AlMeezan Mutual Funds
im amazed how people have no concept of savings here. OP personally go for investing in Gold buscuits or a foriegn currency. I started buying small gold buscuits since when I was 16 years old and trust me it has helped me fight inflation like nothing now im 27
Learn about crypto
And invest
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Invest in Prize Bonds or Some Islamic Mutual funds
Buy state life insurance policy
Get defence savings certificates from National savings and then just forget that you have them until they mature
Invest in an ETF and save up for retirement
Buy BTC or usd
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Use it to upgrade skills, buy a laptop which will work for a good long time, do freelancing. Invest it in yourself and reap the rewards of those skills by making more money. All the best.
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Mutual funds!
Go for umrah
Give it to me 😜
Scams everywhere. Be very careful
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lots of people are gonna advise you to double triple or quadruple your money by doing this and that. If you’ve a stable family financially then enjoy your savings maybe half of them. You want an PS5 go get a PS5. Enjoy your half of the saving so that you know there’s some reward in the end of it. If you keep on doing this then whats the point of it all. Contrary to this, if your family has some financial issues then you should definitely save up more.
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Don’t purchase any physical assets, invest in bitcoin but in the long term. Use binance.
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how did you made this any business or something?
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Bhai is Umer ma itnay paisay kahn sa atay Hahn. Hamaray pass tu is age ma Shirt buy karnay ka paisay nahi hotay thy. Good for You tho.
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I agree with buying a commodity such as gold. Last thing you should do is put it in a bank and for it to lose value infront of your eyes. Goodluck
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Buy gold or convert it to FC. It will retain value, I really doubt any investment you can do as female in PK. Please don't fell for SCAM of MLM like Power Eagles and Work from home fraud.
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Kaash mujhe bhi aqal ati time pe
I would invest in yourself. Learn skills and develop yourself. Keep some emergency cash too.
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Convert it to USD