u/Alive-Importance7063

Hi everyone,

I’m 25, male, married, and a father of one cutest little daughter who is currently 10 months old.

I want to start a SIP for her in PSX and continue it for the long term , ideally 10–15 years, maybe even 20 years.

For example, if I start with PKR 20,000/month, I’d increase the amount every year as my income grows. I really believe in the power of compounding and want to build something for her rather than just keeping the money idle.

I have a few questions and would genuinely appreciate some guidance:

1. Should I invest the SIP directly in PSX stocks, or should I consider mutual funds or other options as well?

2. If I go with stocks, I was thinking of keeping it simple and choosing maybe one strong company from each sector. For example:

\* Banking: Meezan

\* Cement: Lucky Cement

\* Pharma: Macter/Galaxo

The idea is to diversify across sectors instead of putting everything into a few companies. Is this a sensible approach for a 10–20 year horizon?

3. The biggest thing I’m confused about is how to actually invest the monthly amount.

Let’s say I’m starting with PKR 20,000 this month. Should I buy one stock this month, for example Lucky, then Meezan next month, then Galaxo the month after?

Or should I divide the PKR 20,000 across all the selected stocks every month, even if that means buying very few shares of each?

For some context, I’m already an investor myself and currently have around PKR 2.5 million invested. I started investing before the Iran-US war, so a portion of my capital is currently stuck in the market. I’m still relatively new to investing and don’t want to make the same mistake with my daughter’s long-term portfolio.

I’m specifically looking for genuine guidance from people who have experience with long-term investing, SIPs and PSX.

What would you do if you were investing for your 10-month-old daughter with a 10–20 year horizon?

Hi everyone,

I’m 25, male, married, and a father of one cutest little daughter who is currently 10 months old.

I want to start a SIP for her in PSX and continue it for the long term , ideally 10–15 years, maybe even 20 years.

For example, if I start with PKR 20,000/month, I’d increase the amount every year as my income grows. I really believe in the power of compounding and want to build something for her rather than just keeping the money idle.

I have a few questions and would genuinely appreciate some guidance:

1. Should I invest the SIP directly in PSX stocks, or should I consider mutual funds or other options as well?

2. If I go with stocks, I was thinking of keeping it simple and choosing maybe one strong company from each sector. For example:

* Banking: Meezan

* Cement: Lucky Cement

* Pharma: Macter/Galaxo

The idea is to diversify across sectors instead of putting everything into a few companies. Is this a sensible approach for a 10–20 year horizon?

3. The biggest thing I’m confused about is how to actually invest the monthly amount.

Let’s say I’m starting with PKR 20,000 this month. Should I buy one stock this month, for example Lucky, then Meezan next month, then Galaxo the month after?

Or should I divide the PKR 20,000 across all the selected stocks every month, even if that means buying very few shares of each?

For some context, I’m already an investor myself and currently have around PKR 2.5 million invested. I started investing before the Iran-US war, so a portion of my capital is currently stuck in the market. I’m still relatively new to investing and don’t want to make the same mistake with my daughter’s long-term portfolio.

I’m specifically looking for genuine guidance from people who have experience with long-term investing, SIPs and PSX.

What would you do if you were investing for your 10-month-old daughter with a 10–20 year horizon?