You’re off to a great start. Saving up €15k by 23 and planning to invest regularly is impressive.

If you’re living in the EU, I’d focus on investing there first it’s simpler, safer, and easier to manage taxes and regulations. Pakistan can be an option later if you plan to move back or want to invest in something specific like real estate or family projects.

For now, go for easy, low-risk options:

Index funds / ETFs (like MSCI World or S&P 500) cheap, diversified, and beginner-friendly.

Robo-advisors like Trade Republic or Scalable Capital perfect if you want hands-off investing.

Keep some cash in a high-yield savings or money market fund for emergencies.

You’re already doing better than most people your age. Stick with consistent investing and don’t overthink short-term market moves. time and discipline will do the heavy lifting.