Top 12 Small Investment Opportunities

in Pakistan
Investment Opportunities in Pakistan

Money
Needed to
Investment Start the Return on
Type Investment Investment

Variable. It
As low as Rs. can start at
1. Real Estate 10 lac 16%

2. Peer to Peer As low as Rs.

Lending 10,000 Variable

The average
return is 10%.
3. Investment As low as Rs. However, it
in Stocks 10 can differ

4. Invest in
Banks and
Investment As low as Rs.
Companies 10,000 Variable

Rs. 93,400 for

5. Gold one tola Variable
 As low as Rs.
6. Forex 1000 Variable

As low as Rs.
7. Bonds 100 Rs. 700,000

As low as Rs.
8. 3D Printing 150,000 Variable

Variable
9. Savings As low as (4.15% to
Account Rs.500 11%)

Depends on
your
10. Retirement company
Plans policy Variable

Variable,
11. Invest in No to depending on
your Skills minimum your skillset

12. Certificate As low as

of Deposit Rs.500 Variable

1. Real Estate
This is one of the most famous and widely practiced investment ideas in Pakistan. People buy property,
especially land, and leave it for some time. Over time, the price of real estate appreciates. Keep a track of
the market prices and sell the property when the prices are at their peak. There are some really
good real estate blogs or real estate books out there that update you about real estate trends, tips and
tricks, and much, much more.
The best thing about real estate investment in Pakistan is that it is a safe investment option. You get total
ownership of the property and most importantly, the land is an asset whose price always increases.
Moreover, the market for real estate is improving at an increasing rate. That means you can expect
greater returns and wider scope in real estate.
If you cannot afford real estate on your own, try getting the property on installments, through loans or a
partnership with trustworthy people. One drawback of this investment is that the returns might take
time and if you are looking for a short-term investment, then this option may not be feasible for you.
But, an important aspect that must be kept in mind at all times is that a real estate is a safe option that
yields higher returns, making it an excellent option for small investments.
If you are looking for investment opportunities in real estate, consider investing in houses, flats, plots, or
shops. All these assets will provide great yields in the form of resale value and rents. If you are confused
between investing in a house or apartment read: house vs apartment where you should invest.
Some of the real estate projects where you can invest are Mall of Arabia, Amazon Outlet Mall, Florence
Galleria, and Imarat Builders Mall that are starting from as low as 17 Lac. If you are looking for secure
investments with guaranteed returns, you should check out these projects.
2. Peer to Peer Lending
This investment idea in Pakistan is peer to peer lending. According to Investopedia, peer-to-peer (P2P)
lending enables individuals to obtain loans directly from other individuals, cutting out the financial
institution as an intermediary. If you are someone who has some cash stacked inside the bank, let’s say 1
lac or even Rs. 50,000, you can multiply that cash. Yes, you heard me right.
Give your money to people with an interest rate. Set the time duration for the lending, and you are good
to go. However, this idea is risky but with high ROI. Try giving money to people you know and trust and
never forget to document the lending process. If you want to reach your peers consider these Facebook
marketing ideas to reach.
3. Invest in Stocks
This is one of the best investment opportunities in Pakistan. Try investing in the stock market. If you do
not have knowledge about stocks, try hiring a broker. The average stock return is usually 10% in
Pakistan. That means if you invest Rs. 1000 in stock, it will give you Rs. 1100 after some time, and
sometimes within hours.
However, again, like peer to peer lending, stocks are risky. You have to be well aware and strategic about
your choice of stocks. Try building a portfolio of stocks to reduce the overall risk. Usually, the pricy
stocks yield high ROI, but they also have a high risk attached to them. So, choose wisely! We do not want
you to lose your money.
If you are confused between investment in stocks and real estate, we suggest you give a read to real
estate vs stocks- where to invest in?.

4. Invest in Banks and Investment Companies

This is one of the cheapest business opportunities in Pakistan with low investment. Open a bank account
and deposit a small amount in it. Start investing in the account every month. Banks usually offer 10% to
12% annual returns. Do a little research and select the bank that suits you the best. There are many
investment companies in Pakistan as well that are giving high returns e.g. Lakson investments, PMIC,
and vice versa.
5. Gold
The prices of gold are increasing day by day. The recent price of one tola gold is Rs. 93,400. Last year, its
price was around Rs68,000. You can clearly see the difference between the prices and the ratio of
returns you can expect. So, try to invest in gold. Buy gold biscuits because they generate maximum
returns. Similarly, you can also invest in diamonds and silver (Chandi).
6. Forex
Forex trading means trading of different currencies. This is also a great investment opportunity because
of its convenience and ease. Study the trends in currencies, keep yourself updated with the latest
currency rates and financial situations, and try to invest accordingly.
For example, consider the example of the American dollar and Kuwaiti dinars. In 2018, the average price
of one dollar was Rs. 140, and the price of a Kuwaiti dinar was Rs. 400. Today, the prices are Rs. 156 and
Rs. 512, respectively. Just like gold, currencies are an excellent investment option.

7. Bonds
This is an investment idea that is highly dependent on your luck. The Government of Pakistan issues
treasury bonds starting from merely Rs. 100. Get those and regularly check them for prizes. If you are
lucky, you may win cash prizes of thousands of rupees.
For example, the first cash prize for a bond of Rs. 750 is around Rs. 15 million. See the amount of effort
you are putting, and imagine the rewards you are getting.
And the best thing? You can always use bonds as a substitute for cash. Student bonds are one of the
safest and easiest investment ideas for students in Pakistan.
8. 3D Printing
Another way to invest your money is to get a 3D printer. You can start your own 3D printing business
from Rs.150,000. It is a new field but it has a lot of scope in the market. 3D printer is excellent for
customization. You can make jewelry, decoration pieces, mugs, prototypes, etc.
Every sector uses 3D technology including education, fashion, retail, medical, games, entertainment and
vice versa. In short, there is a bright future of 3D printing in Pakistan.
9. Savings Account
What is a savings account?
A savings account is a basic type of bank account that allows you to deposit money, keep it safe, and
withdraw funds, all while earning interest. Savings accounts offered by most banks, credit unions, and other
financial institutions are FDIC insured and typically pay interest on your deposits.
A savings account is an excellent option for people who do not have huge upfront capital. It is a perfect
money-saving opportunity for people such as students, elderly people, housewives, and children.
You can start your savings account with a mere investment of Rs.500. The bank saving account interest
rate Pakistan varies from 4.15% to 11%. This means that if you deposit Rs.500 in your account, you are
going to get Rs.556 with 11% interest.
Simply, open your account, deposit small amounts of cash every month and earn returns on your
savings. Some of the best savings accounts in Pakistan include the HBL savings account, Standard
Chartered savings account, national savings, etc.
Get to know banks providing home loans in Pakistan.
The biggest advantage of a savings account includes minimum financial risk or loss. So, if you are a risk-
averse person, you should definitely take into account this investment idea. The return on investment
that you get maybe less but at least your money will be secure and you will not have to incur financial
losses.

10. Retirement Plans

Usually, companies offer employer-sponsored retirement plans to their employees. If you are a salaried
person and your company is offering such opportunities, avail them today.
It is one of the most convenient and easiest ways to invest a small amount of money every month. The
best thing about this investment is that not only are you adding money in the account, the company is
also contributing to your account. At the end of every month, the company does a payroll deduction and
allocates a percentage of your paycheck to go to the retirement plan.
It is okay if your employer does not offer such retirement plans. You can still start your own retirement
plan. One of the main reasons why people opt for retirement plans is because of all the tax benefits
attached to it. The income earned on your investments will not be subject to income tax until you retire
and begin withdrawing money.
11. Invest in your Skills
We bet you didn’t think about your skills as an investment opportunity. If you have any skill, make use of
it. Polish your skill sets and earn handsome returns in no time.
For example, if you are good at math, start tutoring online. There are sites who will pay you per hour for
your services. If you know how to cook and bake, start your food business today. If you consider yourself
a wordsmith, start earning from freelancing sites.
The options are unlimited. All you need to do is identify your skillset and the things you love doing and
earn through them.
12. Certificate of Deposit
A certificate issued by a bank to a person depositing money for a specified length of time at a specified
rate of interest.
CD is a financial instrument that is usually offered by almost every bank in Pakistan. You deposit your
money in the bank for a specific duration and earn a premium in return. If you are looking for a low-risk
investment in Pakistan that also yields good returns, a certificate of deposits might work perfectly for
you.
However, one downside of this investment is that you may not be able to withdraw money from the
bank for a certain amount of time. But if you are interested in long term investment, a certificate of
deposit can be your best friend.
So, this was a compiled list of investment ideas in Pakistan. It will give a roadmap and an idea to you
about where to invest a small amount of money in Pakistan. All these ideas are really simple and easy to
start. Some of them may be a little risky, such as stocks, but they are a perfect source of a high return on
investment in Pakistan. This is the era of science and technology. Follow some of the real estate’s
podcast to get all the updates about this mega-industry.