Jawad Hamdani 
The Pakistan Stock Exchange has delivered some of the highest returns of any emerging market over the past decade. The KSE-100 Index has compounded at roughly 15 to 20 percent annually in PKR terms over long periods, and companies like Engro, MCB, and FFC have delivered multi-bagger returns for patient long-term investors. Yet most Pakistanis … Read more
It is a burning question these days how to retire comfortably in Pakistan. Retirement planning is one of those topics that most Pakistanis know they should be thinking about but almost never actually do until it is too late. I have seen this play out repeatedly in the families around me. A father who worked … Read more
Approximately 9 million Pakistanis live abroad, and almost every one of them maintains some form of financial connection to Pakistan. They send remittances to support families, dream of owning property back home, and want to keep part of their savings invested in the country they grew up in. For a long time, doing any of … Read more
My grandfather kept his entire life savings in National Savings Certificates. He never invested in stocks, never bought mutual funds, and had no interest in anything that involved uncertainty. What he had was a Defence Savings Certificate renewed faithfully every ten years, a Regular Income Certificate that paid his household expenses after retirement, and a … Read more
Understanding mutual funds in Pakistan is one thing. Actually investing in them is another. Most Pakistanis who are curious about mutual funds get stuck somewhere between reading about them and placing their first investment, usually because nobody has clearly explained the practical mechanics of how to actually open an account, which platform to use, what … Read more
If you are planning to invest in a Voluntary Pension Scheme (VPS), you’ll eventually come across two terms that make many people stop and think: Front End Load and Management Fee. The first time I saw these charges, I assumed they were just different names for the same fee. After reading the fund documents and … Read more
Banking apps in Pakistan have transformed from a convenience into a genuine replacement for the branch visit for the vast majority of everyday banking needs. Digital transactions in Pakistan surged by 45% since 2025, largely driven by the freelance and gig economy alongside increasingly sophisticated banking apps from both traditional commercial banks and new digital-first … Read more
Mobile wallets in Pakistan have gone from a novelty to a necessity in a remarkably short period. A decade ago, sending money to a relative in another city meant either finding someone traveling that direction or standing in a bank queue. Today, the same transfer takes thirty seconds from your phone. Paying electricity bills, topping … Read more
A home loan in Pakistan is one of the most significant financial commitments most people will ever make, and yet it is one of the least understood. Most Pakistanis spend months researching which property to buy and considerably less time understanding how the financing behind that property actually works, what it truly costs over a … Read more
A cousin of mine went to book a Suzuki Cultus on installments in 2023, right when interest rates in Pakistan were at their historic peak. His monthly installment came out so high that he walked away from the booking entirely. Two years later in 2025, he tried again. The car’s price had gone up, but … Read more
