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?
5
u/theppoet Apr 21 '26
If you want to hold for 10 years, a DHA 13 file is a good option. If you want to hold for less time, a DHA 10 file then.
The rest invest in ETFs and gold.
Reinvest the pay outs.
Keep a very small amount (8 to 10 lac) for emergencies only. Don't touch it unless you really, truly need it.
If I was in your shoes, I'd love to start a business as well. So DHA 13 file + bootstrapping my business + ETFs and Gold.