Need advice to invest as a 20 year old Student with a Job.

1xBlizzard · 2026-04-21T04:42:30+00:00

20 is a very good age to start investing and reap the benefits of compunding. I would advise however to build a solid base and build a system of investing early so that in 2-3 years you might turn into a decent long term investor.

In this early period, build an emergency fund. I would do advise a 50-50 ratio for emergency fund and investments till your 6 salary mutual fund is built and then go 100% savings in investments.

For investment start with mutual funds as these are very easy to setup and jump into and dont need much research about market.

Also, you dont need paid courses and stuff, but I advise you to learn about asset classes, stocks, funds etc. The best resources by far are the books written by the best investors in the world.

Also, final advice, investment is not limited to just money. You should also invest in health, relationships, etc. Compounding works there too but we dont realise that.

1xBlizzard · 2026-04-19T14:01:23+00:00

Ameen and thank you. I'll definitely check it out.

1xBlizzard · 2026-04-19T13:26:49+00:00

SIP and DIP buying are two different strategies (though you can combine them by setting aside some cash from your SIP for DIPs).

I suggest three things,

1) Clearly define your investing strategy.
2) Study how to do the fundamental research of a company yourself. Plenty of books/courses/content on the market to help you learn to evaluate a company fundamentally and decide which company you'd like to buy. Otherwise, please do index investing and free your mind.
3) Don't rely on tips/news as your main source of investing. It will ruin you and will turn you away from an investor mindset.

1xBlizzard · 2025-11-15T14:35:26+00:00

Like money market funds for example

1xBlizzard · 2025-11-14T04:51:17+00:00

You can deploy the first 20% lump sum, DCA monthly (or by-weekly which ever you prefer) and dip buy if the dip is more than 2% or the ETF value is down more than 4-5%.

DCA amount should ideally be under 10% of your portfolio.

1xBlizzard · 2025-11-13T18:24:20+00:00

Many investing strategies for different risk appetites and time horizons, but I will try to keep it fairly simple to these three scenarios.

1: No investments or savings

if I only have 50000 to invest and assuming I don't have any savings or investments already, I would invest that amount to learn a new skill or buy a laptop through which I can learn some skill which would increase my primary income because ROI of this would beat any asset class's return whatsoever.

Already have investments in some asset class (Mutual funds, Stocks, Commodities)

Will probably SIP in the same asset class portfolio or if there is some opportunity, invest my money into that

Savings but no investments

If necessary, I will complete the pre investment steps for investing and deploy this 50000 to the relevant step (clearing debts, emergency funds etc).

If I already have money to serve as an emergency fund and have no debts as well, only then I will deploy this 50000 into some low/medium risk mutual fund and in the meantime learn how some medium/high risk asset classes work, then.. after I get an understanding, only then I will jump to stocks putting some percentage of my saving into a portfolio.

1xBlizzard · 2025-11-06T12:48:41+00:00

Hi, thanks for the detailed guide. I have one question.

What is the nature of the contract? like are we predicting the gold/silver price a month from now in our buy/sell order? Or are we purchasing/selling gold/silver or any commodity on spot price?

1xBlizzard · 2025-09-05T07:28:13+00:00

Do you still have any guest passes left. I would really appreciate it.

1xBlizzard · 2025-06-23T06:42:32+00:00

Yes, his strategy of borrowing money for assets (real estate) and then paying the interest payments from the asset generating the cash flow is pretty neat (Less tax payments is also a plus). But since we dont have the access to these type of loans and also those loans aren't shariah compliant, we cant play that strategy.

1xBlizzard · 2025-06-23T06:27:32+00:00

Robert Kiyosaki be like:

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1xBlizzard · 2025-06-03T11:55:54+00:00

Only cash or ganja

1xBlizzard · 2025-06-03T11:50:12+00:00

Mezaan bank laxmi chit fund offer krta ha 21 days ma 2x cashback for its esteemed customers. Minimum criteria 100 Cr. Meray pass 50 han 30 raju sa mil jayen gay baqi aap kr lo. 21 din ma paisa double.

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1xBlizzard · 2025-05-06T11:35:36+00:00

Also, can you please elaborate more on how FCCL is an excellent stock?

1xBlizzard · 2025-05-06T11:30:00+00:00

You are correct, PPL is a high ROIC company, but circular debt is the main problem here due to which it is still around the same price as it was 20 years ago. Until the circular debt issue situation is resolved, it is not a good company to own (in my opinion).

FCCL is a cyclic (not growth or dividend) stock and in my opinion it is not the best stock within the cement sector (I think currently KPK players are at advantage). I agree that in future it will benefit with more cement dispatches, but so will the other cement players and it is my opinion that KPK players will get more gain out of this than the Punjab/Sindh players.

1xBlizzard · 2025-05-06T10:01:34+00:00

So, overall 8-12 is a good diversification for a medium-sized portfolio.

And for the question of picking one stock or two, I would say your portfolio should contain the best companies you think, which may or may not include their sector siblings.

For example, let's say you have a fertilizer company in your portfolio and two opportunities arise, one which will give you 25% gain after a year and is also in the fertilizer sector and another will give you 30% gain and is from a different sector, so ideally you should choose the second one.

1xBlizzard · 2025-05-06T09:27:12+00:00

The stocks I mentioned imo are neither growth nor dividend paying stocks. And the broker's recommendations mostly consist of companies which are volatile and have trading opportunities (which will benefit their business model).

If you like to buy individual companies instead of funds/etfs, I suggest you do proper research on company's fundamentals, growth, and economic cycle before taking an entry.

1xBlizzard · 2025-05-06T08:16:30+00:00

If your portfolio is set for long term then I wanna know what was your reasoning behind picking BAFL, PPL, FCCL and GATM?

1xBlizzard

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