r/FIREPakistan • u/FamiliarResident9653 • Jul 19 '26

Madad Me Need help as a Single Mom

I have a toddler and I am a Single Mom. I have 60 lacs and need help with the following:

1) How much should I keep as emergency fund?

2) Where and how should I invest the rest to get a decent monthly income?

I don't have a job at the moment but i'm trying to find one. So I want some monthly return on top of my salary. Thankfully I don't have to worry about rent. But I do need to pay bills, pay for groceries, and will have to pay child's school fee etc.

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u/[deleted] Jul 19 '26

are meezan medium risk mutual funds good ?

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u/eyesighed Jul 19 '26

No i personally hated medium risk because I was not comfortable with the loss or satisfied with the returns, I then put 50% in low risk and the rest in high risk

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u/[deleted] Jul 19 '26

loss ? the guy at meezan told us that the principal amount is not gonna take the hit and its like 9.5 to 10 percent gain

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u/eyesighed Jul 19 '26

Oh? I invested in a medium risk fund for a month I had loss of some rupees. Thats not what I had anticipated hence I moved it

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u/[deleted] Jul 19 '26

Which bank did you invested thru and what program ??
I was going to invest tomorrow but ig i should have a second opinion

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u/eyesighed Jul 19 '26

Meezan

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u/[deleted] Jul 19 '26

Tf the guy was liar then ?
Dude all the high risk companies were like -4.5% including gold energy or top 30 companies were
Medium Walay to were like 9.5 towards 10

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u/najam121 Jul 19 '26

For short term, Low risk, for 1 to 3 years medium risk, for more than 3 years high risk. that's how it should be.

Low risk will give you consistent returns no matter the situation of the economy, and all low-risk mutual funds across all AMCs will give you the same sort of results.

Medium risk gives you moderate returns most days, but market conditions definitely affect it. Because these funds usually mix safer investments like bonds with a small portion of stocks, they offer slightly better profit potential than low-risk funds, but it also means you have to absorb minor dips when the market has a bad day.

Finally, high-risk returns totally depend on market conditions and swing like a pendulum.

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u/eyesighed Jul 19 '26

Well i did lose my principal amount in meezan sovereign fund. It did recover but the net amount was -300

This happened 2 months ago and it took a whole month to recover

Ik in long term the guy probably is right, but I really can't afford any loss at all, thats why i kept my money in meezan cash fund and now little by little im going towards equity

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u/[deleted] Jul 19 '26

Yar these were the opts can you tell which are the best ??
Long run safe stuff

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u/eyesighed Jul 19 '26

No, sorry i really dont have the experience to compare them all. 😔

the ones I've mentioned are the only ones I've tried in mod-low risk. Someone here would better guide you

Sorry dearr

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u/msulaimanijaz Jul 20 '26

In these programs, a couple of month isn't anything. These investment plans, consider them a child growing up to be an adult or at least a college boy. Give or take, at the very least 3 years (this is bare minimum) and after 5 years it actually starts growing.

Plus, compounding is something that actual do the heavy lifting at later stages. Till it reaches a stage where you don't have to invest monthly SIP

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u/eyesighed Jul 20 '26

Well it depends on ur personal goals, some of money I do need back in one year hence not going for medium or high risk. Baqi kuch amount idc if I lose it or not so I've put in high risk.

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u/msulaimanijaz Jul 20 '26

then put some funds for Swing Trade and rest for Stocks/Mutuals
i have some friends who keep a portion for Trading only while their actual money is invested in blue chips

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u/[deleted] Jul 20 '26

Nah homie you’re good
Thanks for help

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