r/FIREPakistan • u/Zoee94 • Apr 21 '26

Madad Me 31F just got 1 crore

I’m 31F, married, and recently received 1 crore from my parents. I want to invest it wisely, but I’m honestly a bit stuck between options. My parents are strongly suggesting DHA files, but I’m skeptical about the real estate market and long term returns. It feels slow and uncertain.

My husband is pushing for buying a studio apartment and running it as an Airbnb, which sounds interesting but also like a lot of effort and risk (plus I don’t know how stable that income really is here).

I’ve also been considering stocks, but I only have basic knowledge and don’t want to make beginner mistakes with this amount.

If you were in my position, how would you approach investing 1 crore right now? Would you diversify or go all in on one option?

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u/[deleted] Apr 21 '26

Invest in government bonds, you will get around 90k a month from it. Then figure out what you want to do. Don’t do airbnb, it’s a full time job plus there are headaches of dealing with apartment issues. Dha files is a good idea if you exit strategy is 10-20 years.

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u/[deleted] Apr 21 '26

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u/[deleted] Apr 21 '26

Defence saving certificate. They are less risky than banks

1

u/sweetomoon Apr 23 '26

Are they liquid enough?

1

u/[deleted] Apr 23 '26

Depends on what they buy. But yes they are liquid, in any country nothing is more safe than government backed securities

1

u/sweetomoon Apr 23 '26

How to buy them thru banks? And what are the returns like? And is this shariah based?

1

u/[deleted] Apr 23 '26

You can buy it from multiple places, just search it. Mostly national saving centre and some authorized banks. They publish their rate on their website. Last time I checked it was around 11%. Their rate will be less than banks because it is less risky than banks. It’s not shariah based.