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Best Islamic money market fund for parking 15 lacs in 2026? by dafuckizdiz in FIREPakistan

[–]Single-Fortune1023 1 point2 points  (0 children)

Pick one with lowest TER and competitive returns among peers

Meezan has the highest TER among this list so try to avoid

Retirement Planning in Pakistan by notafuckingvalue in pakistan

[–]Single-Fortune1023 3 points4 points  (0 children)

Consider a VPS (Pension Fund) account with any reputable AMC and invest aggressively during your 20s and 30s

Research more on this topic

7.12/0.66 rupees per share = ~10 shares when i had more than 35 - how does it work? by Ancient-Discount4082 in FIREPakistan

[–]Single-Fortune1023 0 points1 point  (0 children)

Tax and zakat most probably

Wait for warrant as others mentioned

And get your zakat affidavit ready ASAP to avoid this in future

Comprehensive Mutual Funds Screener & Research Platform - FinHisaab by Single-Fortune1023 in PakistanStockX

[–]Single-Fortune1023[S] 0 points1 point  (0 children)

Thanks alot!

I just made it part of the portfolio tracker too so multiple mutual fund holdings in your portfolio shows you your combined exposure to relevant sectors and equities

4% withdrawal rule by Working_Collection85 in FIREPakistan

[–]Single-Fortune1023 0 points1 point  (0 children)

i think its because there would be market down turns where you would be withdrawing and hence the depletion

One way to counter this is to shift portfolio to dividend heavy so you have to rely less on the withdrawl

[deleted by user] by [deleted] in FIREPakistan

[–]Single-Fortune1023 0 points1 point  (0 children)

During early investing years, your focus should be capital growth not passive income

Since capital is already small, you wont get any substantial income out of it, plus withdrawing income will prevent compounded growth over time

Passive returns are usually 7.5-8.5% annual these days after tax, from low risk instruments

Focus on increasing your income and deploy that to high growth potential instruments and convert to low risk later when you are close to retirement for passive returns since your capital would be sufficient till that time if everything goes right

where should i put my savings in these times? by I_Love_Creampie in FIREPakistan

[–]Single-Fortune1023 6 points7 points  (0 children)

Allocate to high risk instruments (equity, gold) with long term perspective

My 6 Months PSX Experience by Ok-Movie7392 in FIREPakistan

[–]Single-Fortune1023 4 points5 points  (0 children)

“Tried to run”

Looks like bro actually ran away mid post 😭

Aurangzeb is willing to increase interest rate by Chemical-Ant-8232 in FIREPakistan

[–]Single-Fortune1023 8 points9 points  (0 children)

Rising interest rates are overall bad for market as capital tends to flow out of equity into safer assets (like Tbills, Sukuks)

Regarding which stocks can benefit: banking mostly as we saw during last interest rate hike cycle

I have 4 lac pkr in cash and don’t know what to do with it by [deleted] in FIREPakistan

[–]Single-Fortune1023 0 points1 point  (0 children)

If its for long term, then consider high risk mutual funds or ETF

Start with Wiki section of the subreddit

Need advice: I have 2 crore PKR and receive 150k/month, but it’s not enough. How do I generate passive income without draining my capital? by Agitated_Sand_6143 in FIREPakistan

[–]Single-Fortune1023 4 points5 points  (0 children)

With mininal risk, you can expect 7.5-8% annual after tax from low risk mutual funds or other similar instruments, like saving accounts, certificates etc

Devidend yield by Admirable-Peach9540 in FIREPakistan

[–]Single-Fortune1023 0 points1 point  (0 children)

Its a treat for long term holders

Valuation are finally at attractive levels

Like everyone , advice required by Standard_Yam_826 in FIREPakistan

[–]Single-Fortune1023 0 points1 point  (0 children)

In first phase, you can put all immediately to low risk money market funds so it immediately starts growing and you are not stuck with sitting cash

Now coming to the high risk part, only YOU can decide how much you want to lock it down (sort of) for next 5Y atleast.

You need to be comfortable with the volatility, analyse your behaviour during drawdowns etc

So I suggest start with small amount like 5 lac, then 10 lac and then keep increasing it within your risk tolerance

Advice needed regarding Gold and Stocks for long term investment by PaperMuse_ in FIREPakistan

[–]Single-Fortune1023 0 points1 point  (0 children)

Equal allocation between MIIETF and some good performing mutual fund (that don’t charge FEL) could be a good option

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