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Investing in mutual funds has been gaining traction in Pakistan, driven by a combination of improved financial literacy and the attractive tax benefits that these funds offer. For investors looking to maximize their returns while minimizing their tax liabilities, mutual funds present a compelling alternative to traditional bank saving accounts and term deposits. In this blog, we will explore the significant tax advantages that make mutual funds a smart investment choice in Pakistan.      Lower Capital Gains Tax One of the most prominent tax benefits of investing in mutual funds is the lower capital gains tax rate. In Pakistan, capital gains from mutual fund investments are taxed at 10%, which is notably lower than the 15% withholding tax imposed on profits earned from bank savings accounts and term deposits. This 5% differential can make a substantial impact on the overall returns from your investment, especially over the long term. Here’s a simple comparison: Mutual...

  In today's fast-paced world, the convenience of online shopping has transformed the way we procure everyday essentials. Whether it's the weekly grocery haul or last-minute ingredients for a special recipe, the ability to order online has made our lives easier than ever before. One such game-changer in Karachi's grocery shopping scene is the online discounted grocery store that offers a complete range of groceries delivered right to your doorstep.                               Visit shop The Convenience Factor Karachi, Pakistan's largest city, is known for its bustling streets and diverse culture. While the city has a lot to offer, the daily grind can be exhausting, leaving little time for grocery shopping. That's where the online discounted grocery store comes in to save the day. No more waiting in long queues at crowded supermarkets or battling through traffic to reach your local grocery store. With a few...

When it comes to parking your cash and earning some profits, two popular options to consider are money market funds and savings accounts. Both offer a safe place for your money while potentially generating some return. However, they have differences that can significantly impact your financial goals. In this blog, we'll explore the comparison between money market funds and savings accounts to help you decide which one suits your needs better. Money Market Funds: A Step Beyond Savings What are Money Market Funds? Money market funds are mutual funds that primarily invest in short-term, low-risk securities like government and corporate debt. They aim to provide investors with a slightly higher yield compared to traditional savings accounts while maintaining a strong focus on capital preservation. The Strengths of Money Market Funds: Higher Yields : Money market funds typically offer slightly higher interest rates compared to regular savings accounts, making them more appealing for sh...

Pakistan is one of the countries where access to financial services for a common man is very limited. More than 60% of our population are unbanked and/or under the line of market penetration. Where as mutual funds managed to penetrate among salaried class only for tax rebate benefit. Hence, I am not surprised to see total AUM of industry is only 5% of bank's deposits.   What is mutual fund?   Mutual fund is a pool of money from different investors with similar purpose. The fund is managed by financial experts to achieve competitive profit and distribute equally among all investors.  Are they risky?  funds are always subject to market risk. Past performances doesn't guarantee the future performance. However, there are also fixed income product available at many asset management companies where an investor earns fixed return over certain period of time.  Is there a holding period requirement? No, the beauty of mutual fund is the liquidity. Funds can be withdr...

Pakistan has always been an ideal country for making investments in textile, agriculture and financial institutions. However we lack in investment opportunities for a lower to middle and high middle class individuals.  For them, only financial institutions are available to help them achieve their financial goals.  Many institutions fails to penetrate in the market to reach potential clients resulting lower access to financial services.  But not to worry anymore as this platform will provide complete guidance on your investments with financial institutions. Since our country has witnessed a political instability that might last long therefore this would not be the right time to invest in stock market and property. However this is the best time invest with banks where profit rates are as high as 15% . With this rate your opportunity cost becomes very low.  You can always reach out for more information in comment box. Cheers!

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