I have been invested in the mutual funds for more than a year. The benefit of investing in mutual fund is that you can chose your own risk appetite (low, moderate or high). So mutual funds are not something to be scared from.
30 saal ki umar main mene kbhi ye sb nhi suna tha, shayd khandan main bhi ksi ko iska ilm nhi tha Allah apko jazaye khair de, ye ik new knowledge thi mere liye
I am shocked and sad at a same time on keeping my account status current for last 8 years. You did amazing job by educating us in simple way. An eye opener, indeed.
Sir.... Yeh Islamic Saving Account ko b samjhyein... Islam mein saving account haram hai... Meezan Bank mein Saving account ko he islamic bna dia gya hai... Uss pr Sood jo Allah se jung hai... Returns 11 percent aa rha hai... Strange
I have question. Mutual Fund ka pessa Bank government ko loan denay me lagata ha or interest ke zariye profit banata ha toh yeh to Haram hi hua na? Halal kesay?
I've been investing in mutual funds for three years now, and I strongly believe that everyone should consider putting their money into money market funds. They offer good returns with minimal risk, especially compared to mutual funds from other countries. This type of investment is important for individuals, particularly in economies like Pakistan.
I invested in Mezaan Mutal funds from last four years (KMIF -And AMMF ) returns is almost 100% because covid was right time to invest . But still Mezaan Mutal funds Expert doing good job to manage Money for Better earnings . Laik Sir You are the only One person in Pakistan who want to give Financial education in very simple way ..
@daniyalshah415 still stick with mezaan bank other one is bank Al habib gonna be best . But there is one who can predict market move please study first .. study is the only key 🔑 to make you successful . Monthly earnings k lia REIT be good option hai .
I invested In Al Meezan Mutual Funds Name MDIP, in 2023 i received profit extent of 21% Profit, However in March it has reached 18% which is lower than previous year. on the other hand i also invested in HBL Islamic Money Market Fund and i am receiving 19% profit on it, However HBL did not deduct any amount in Account of Front End Load stc, On the hand Meezan dedicated 1 % of their own Charges. this is my own experience. I will move to money market Fund ad explained by this Video, Thanks Sir ..👍
Al Meezan Mutual Funds main account banany or invest karny ka process pr video bana dain,. i heve deep interest in it. best video ever after passing out from university have Islamic Banking Degree. Jazakallah ❤
اس سے یہی نتیجہ نکلا کہ میزان میں قطعا اکاونٹ نہ کھلوائیں۔ کیونکہ یہ آپکا پرافٹ کھا جاتے ہیں۔۔ بینک اگر سرکار کو قرضے دے کر سود لیتی ہے تو پھر بنینک سے منافع لینا سود کیسے ہو گیا
I have a question. If a bank is giving loan to government at a certain fixed interest rate out of 90% of total money deposited by its clients in bank , how they tell its client that they are Islamic bank and shariah compliant.
I am using UBL mutual funds from last one year. Its very easy to invest through their App while sitting at home. I frequently watch sarmaaya videos for more information ❤
@@arifkhan6605 Yes you can do through Ubl app, option is in "Accounts" "Saving and Investment" watch some videos on RU-vid, its very easy, start with Rs 1000 to learn first
Over 20% interest on these funds is fantastic return - but please bear in mind that there is risk attached to it. The government is borrowing money, but unless it is reinvested towards productive sectors, the govt will continuously be drowning in further debt. This is not risk free debt, especially in the case of Pakistan. If you think a national can never default on its own internal debt, please have a look at Russia. What is your opinion on this?
میرا ایک سوال ہے؟ کیا میوچوئل فنڈ میں ٹیکس sst نہیں ہوتا؟ اور سٹاک ایکسچینج مین 7 سال کے بعد ٹیکس نہیں ہوتا٬ تو میوچوئل فنڈ میں بھی نہین ہوتا یا ہر سال ادا کرنا پڑتا ہے؟؟؟؟؟
Agar ijzat ho thori se calculation kare 2019 mai ap k kihne per mai ny 5450 rupee mutual funds mai invest karli os waqt Pakistan mai dollar ka rate ta 141 tu 5450 ÷ 141 = 38 as ka Matlab 2019 mai ny 38 dollar invest k . Ab 2024 mai mere wahi 5450 rupee 12,084 ban gaye h agar aj dollar ka rate dekha jaye tu 277 hai so 12084 ÷ 277= 43 dollar banty h As ka matlab ye h k mai ny 38 dollar invest k ti aj teek 5 sal bad wo 43 dollar ban gaye Matlab 5 salo mai ny 5 dollar kamaye ek saal mai ek dollar Jaha ap ny pak rupees 5 salo double Kiya hai agar 5 salo k inflation rate check karo tu 5450 realty mai 1000 ban gaye hongy qk 2019 mai 5450 mai ek insan jitne cheze hareed sakta ta aj 12082 mai as k adi cheze be ni ati Serf double Karna logo ko dekha kar subaz bagh na dekaye Inflation Purchasing power etc bhi Sath bataye kare Anyway good job bhaya
Good. Now ager 5 saal yehi paisey current account mein hun to how much will you gain. You missed the point. My focus of this video was to keep idle money in mutual funds and grow at the same risk at which it is in bank. Now someone else will comment and do the same comparison with bitcoin. It’s not what I wanted to achieve in this video
@@iamlaeeqahmad Respected and dear fellow I got that point but kihne ka Matlab ye k naqson tu ho Raha hai faida tu ni ho Raha aur video k intro sy lagta k mere faidy k cheez h magar at the end baba Ji ka tolo mil Raha mean aagar video mai ye admit karty k still inflation k waja sy ap nuqsaan ho but as compare to current aur saving account k nisbaat Kam hai per noqsan still prevail tu acha hota
Aslam o Alekum G Bhai umed he ap subh kheryat se honge me is waqt Saudi Arabia me ho or mera I save app MCB me account bana huwa he jisme me her month last one year se monthly 1000 se 1200 investment karta hon ab mere us account me takreban 17k ho gae he or isko me jubhe check karta ho to daily k 20 se 25 rupy barhte he or me jub shute p Pakistan aonga to inshallah mere shute Ashe guzre ge
اسلام علیکم سر بینک کے حوالے سے انویسٹمنٹ پر حرام حلال منافع واضع کرتے رہا کریں۔۔ ایک مسلمان ہونے کے ناطے اور انویسٹمنٹ کی معلومات فراہم کرتے اپنے دیکھنے والے لاکھوں ہزاروں کی حرام حلال پر نقل و حرکت سے آپ کے اعمال پر بھاری فرق پڑ سکتا ہے اگر یہ فرق آپ واضع نہیں کرتے تو۔۔ شکریہ
The return of 20% might seem attractive but in terms of payout it,s peanuts.The best strategy for knowledgeable investors should be do SIP in blue chip stocks with dividend yeild of over 20%
yes but usually when these dividends are distributed , share prices of these stocks have already gone down but that happens sometimes , i think equity market should be for investment growth not for dividends
Anything profitable options for overseas Pakistanis in foreign currency. I heard about roshan digital account. Kindly suggest some according to your knowledge. Thanks
Sir ap k mesag sy ya idea hova k . Ap agr business ke smjh rakty han to apko bussines krna chieay qk ap k capital principle pr monthly 1% sy bhi kam returns kahan ke aqalmandi hai ? Sal ke 11 % is nothing in mutual funds . Ya he waja hai zyada tar log is ko prefer he nhi krty . Apne running finance sy . Ya offer un k kea acha jin k pass extra principle amount ho jo kisi kam ka na ho i think ya he logic hai sari .
@@MudassarMehdi Depends on your risk appetite basically. I prefer Money Market and Income Plans mainly because i dont wanna take risk hitting my captial since its hard earned money. Having said that i also want k inflation mujhe hurt na kre. So to be specific Meezan Rozana Amdani Fund MRAF of Money Markey and Meezan Daily Income Plan MDIP-1 of Income Fund.
@UmairAhmed771 do these funds which you have mentioned reinvest in your capital or they also give you cash facility? After watching the video I went straight to Meezan Investments, there a question was asked that do you want reinvestment or cash back. So I am confused that If I take cash withdrawal then how will portfolio grow?
@@afzalm.8656 The funds i mentioned, MRAF and MDIP they give dividend on daily basis. Which means your daily profit converts into units and gets added to your capital. This is how they work as they are dividend based. If you need cash you can simply withdraw the amount back into your bank account in form of cash.
What's the procedure? How and where to register? Where to invest? Could someone please explain or refer me to a link where every details of the procedure are practically explained and implemented? I'd be thankful
Why not gold then, as the interest rate is 22%, inflation is even higher, currency devaluation should also be considered. Even with a 22% return, we are losing money because of inflation. Your response will be highly appreciated. Thanks
Could you please create a video explaining the Fiat Currency Monetary System? In the video, discuss why this system is inherently prone to inflation and why financial literacy is crucial for investing and coping with inflation. Without proper financial knowledge, people may face increasing hardship due to currency devaluation and taxes, making life progressively more difficult.
Excellent Explainer Series… how frequently will you be uploading videos and what are the upcoming topics if you can share. Great Video Laeeq Sb. You are already an asset to this sector. ❤
Sir guide me plz .... Mai ny meezan daily income wala plan Liye Hy magar Jo her month profit milta Hy wo bohat Kam milta Hy jb ky mai Filer bhi hon .... For example 10 lakh invest to monthly Sirf 12500 yearly average Mila profit Jo ky 15% Howa Sirf aur ye yearly 21.5% announce krty Hain ye ki bat hue.... Plz es per aik video banaein aur guide karain ky kia krna chaheye...
Brother please do tell everyone about tax deduction and money depreciation as well. Currently inflation rate is on average 11%. So if someone is gaining profit of 20%, deduct tax the. Minus the inflation rate, practically profit will be no more than 6-7%. Now that u have mentioned about compounding factor, not many people have enough economic stability in Pakistan to hold their principal amount and reinvest profit for 5 years.
How is a saving account which provides 20% return on your investment is Haram while Mutual funds which provides the same 20% return is halal. WTh bruhhh!
Dear Sir kindly let me know money that a banks gives to Government, gets profit as interest(سود)? Kindly explain if yes then how can we invest without touching interest. Regards
My bank's islamic savings account is offering me 18.5% btw. Still not 20% but with zero hassle of taking in and out money, it makes more sense for me. Plus no management fee or FEL or BEL.
There is no islamic bank in this world do real business or patnership buy real Gold real trading in crops earn Halal Income. ALLAH RASOOL S.A W sa jung na karen.
What you are saying is incorrect. If you park money in an HBL current account you get interest on it monthly , six monthly etc depending on what you have signed up for. It is term deposit which fixes your moniesz for a period. Not only do you give advance notice before taking funds out but you have to pay a penalty for withdrawing before term ends.
My worst investing experience Im from lahore i invest 3 lac in dairy milk company " for u treader dairy milk" at 8 to 10 percent .they deliver profit every first of the month after three month its ceo leave pakistan and clear all banks accounts all offices and shop are closed whole staff disappear..now no clue how i recover my invest . These 3 lac is my 5 year hardship saving for my sister wedding .im totally culeless and worried how i manage this tragedy .. Any one have solution how to recover my invest
Suggest any bank saving or mutual fund or govt investment programme where I invest 50 million rupee and earn minimum yearly 30% net profit on my investment after complete tax deduction..
habib bank aur meezan bank dono ne aik he jaga invest kia, hbl n apnay investor ko 20% profit dia , jab k meezan ne 11% profit dia.... hbl haram aur meezan halal kaisay ho gia??? jab k dono k source of income same ha
Very well crafted video about basic investment guidelines. Understand financial markets and how smart money moves around in the economy. Sarmaya Market Fundamentals training is a very good platform to equip yourself for smart investments.
Premium knowledge! We want more guide on this, complete roadmap and how does mutual funds algorithm works. Please make more videos on this topic. You efforts are appreciated 🙏
Yes. this is also my Question. need more Guidance and Strategies on Mutual funds, and Mutual Funds Selection. thank you in Advance. @Sarmaya Officials.
Ap WHT ka bhi btayein na..15% deduction hoti hai...or 100,000 saal baad 120,000 nhi hoga blkay 17% jo k 117000 bnta hai ye net apko milay ga... And secondly ab mutual funds mai invest krnay ka koi faida nhi hai, han pehlay zrur tha jab is p govt withholding tax 15% on your profit charge nhi krti thi... T-bills and PIB's mai faida hai still...us p WHT charge nhi hota...us p kindly video bnayein logo k liye...mutual funds ko janay dein..
@Sarmaaya Financials please explain to me how will our earning be shariah compliant if ultimately it depends on the interest rate (sood) set up by the state bani?
Sir mujy lagta ha k ya bank public ko Kam profit deta ha. Ku k agr 1 lac sy koi b business whole month kia jay to us sy 1 month ma kafi profit a sakta ha. But bank Kam deta ha
I invest 50 million in hbl saving account previous year in June month and bank manager and bank agree with me after tax deduction if I cannot withdraw my capital till maturity they give me 20% net profit means on 50 million investment I will take return 10 million
