Help me Optimize
Hello All. Here is a brief overview of my Financial holdings.
Liquid cash - (House hold expense + immediate cash availability for old parents)
Meezan Kafalah - PKR 1m locked for 10 years - Started back in 2024 or 2025. Hasn't really grown as far as I understand myself
UBL AICP -1 - PKR 1.9m secondary saving bucket to stay liquid but still make some money on the idle cash
UBL VPS - PKR 20k per month till I hit 60 - Retirement bucket. Currently a little under 500k (most volatile over everything else)
My risk profile is low - medium for most of my investment. I cannot risk losing my savings to quick gains so I don't mind a steady growth.
Except the VPS since that's riding the 23 year future predictions. Whatever happens. Happens.
I'm not in PSX yet but I would like to. I can bring my liquid cash down to PKR 1.0m max and take some of the money to Dividend stocks for holding.
Ultimate goal? Buy a house/apt and leave something for my family behind me. No, I'm not dying yet but isn't that what all Men want to do who are building themselves from the ground up! LOL.
What do the experts here suggest I do to optimize this further? Improve it somehow?