r/pakistanfinance

Hi everyone,

I'm 23 and earn around Rs 150-200k a month. My main long-term goal is to buy a house or invest in property within the next 8–9 years, so I've started looking into mutual funds and have opened an Al Meezan account.

I'm planning to invest Rs 7,000–8,000 per month through SIP, starting now. Since I'm young and have a fairly long time frame, I'm comfortable taking some risk for better returns.

So far I'm considering:

• Meezan Balanced Fund for the house goal
• KSE-Meezan Index Fund (KMIF) for long-term wealth

My questions:

1. How would you split the monthly amount between these funds (or others)?
2. Is the Balanced Fund a good choice for an 8–9 year goal, or should I lean more toward the index fund?
3. Any tips for someone just starting out?

Would really appreciate any advice. Thanks!

Hii guys, I'm 21M, I want to apply for PM housing program to get loan and build my house, i don't have a job but my father owns agricultural land from where we get rents annually, which is monthly around 150k. I got 50k from that money every month in my bank account. I still don't have a good statement because I spend all of that money on useless things. Now I really want to build my house, but we don't have a lot of budget. I came to know about PM loan program. My father can't apply for the loan because he's 60+, so I have to apply it on my own name, is anyone here get the loan ?? What's the process

I can easily pay 50-60k EMI

Anyone here guide me ??

basically I inherited 100m after my dad passed - cash - I made the mistake of investing in a machine that requires imported raw materials - the machine is German - anyway I am out of funds and need an additional 10m Pkr to kick start the project - need to see what people might suggest ? How to go about it ? Don’t want interest based - since everything is “halal” no interest anywhere . So need some insight pls

Hi everyone,

I’m 20M from Pakistan and I’ve been freelancing for around 4 years. I’m currently earning a pretty good amount through freelancing and have managed to build some savings.

Recently, I got an opportunity to start my own e-commerce business with someone I know. He’s also Pakistani but lives in the UK. He’s willing to invest around £3,000 and is asking me to invest some of my money as well. The plan is to start a printed T-shirt business targeting the UK market.

I already have experience in this field because I’ve been doing almost the same type of business for my clients in the German market, and from what I’ve seen, it can be quite profitable if done properly.

I actually met this person through Fiverr. Initially, I hired him to build an automation bot for one of my clients for an e-commerce-related project. He did a good job, and since he also had e-commerce experience, we stayed in contact.

We previously tried a few dropshipping ideas together, but they didn’t really work out. Despite that, I trust him and he seems like a genuine and responsible person. However, this time I would be putting part of my actual savings into the business, so I’m thinking much more carefully about it.

My main question is: Would you invest your savings into an opportunity like this, or would you continue freelancing, save your money and wait for a better opportunity?

I understand that every business involves risk, and I’m not expecting guaranteed returns. I’m mainly trying to figure out whether the risk/reward makes sense considering my age, current income and experience.

Also, if anyone here has experience selling clothing or printed T-shirts in the UK market, I’d really appreciate your advice. How is the market currently? Is it still profitable for smaller sellers?

Apart from Amazon, eBay and Etsy, which UK marketplaces or platforms would you recommend for selling printed T-shirts?

I’m also looking for reliable UK-based T-shirt suppliers, wholesalers and printing companies. If anyone has worked with a good supplier and is comfortable sharing their name/contact details or website, I’d really appreciate the recommendation. Ideally, I’m looking for good-quality blank T-shirts at competitive wholesale prices and suppliers that can handle reasonable quantities for a new business.

Would really appreciate advice from people who have actually run e-commerce or clothing businesses in the UK.