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Author: Saleha Ali

CategoriesNews

T-Chowk Flyover Completed 2 Months Before Deadline, Shaheen Chowk Underpass Nears Completion

ISLAMABAD: The Capital Development Authority (CDA) has completed the primary phase of the T-Chowk Flyover project, situated at the junction of G.T. Road and Islamabad Expressway, ahead of its initially scheduled deadline.

The 1.1-kilometre flyover, worth Rs 1.4 billion, is designed to alleviate traffic congestion, particularly for commuters travelling from Lahore. Initially slated for completion by February 19, the project was finalised in just 90 days, with only minor works remaining, expected to conclude within the week.

Prime Minister Shehbaz Sharif laid the foundation stone for the project on September 12. Despite the project being completed ahead of time, the cost increased by 15% due to the addition of an extra lane and the construction of U-turns. This adjustment was in line with the Public Procurement Regulatory Authority (PPRA) guidelines, which allow for such increases when deemed necessary.

In parallel, the Shaheen Chowk Underpass project, located at the intersection of 9th Avenue and Khyaban-i-Iqbal, is also nearing completion. Initially planned for April, this underpass is expected to be finished ahead of schedule. Similar to the T-Chowk Flyover, this project also experienced a 15% cost rise due to changes in the scope of work.

Although some concerns were raised regarding the revisions to the project scope, officials have praised the CDA’s efficiency in completing these major infrastructure projects swiftly, minimising public inconvenience and controlling costs. Acknowledgement for the timely execution of these projects goes to Prime Minister Sharif, Interior Minister Mohsin Naqvi, and CDA Chairman Mohammad Ali Randhawa.

For more news, visit Chakor Ventures.

gold investment in pakistan
CategoriesCitadel 7 Investment

Gold Investment in Pakistan vs. Property: Which is the Smarter Long-Term Hold?

Pakistan’s investment landscape offers a variety of options, but two assets consistently stand out: gold and property. Both have proven valuable for protecting wealth and providing long-term growth, making them popular choices for investors looking to secure their financial future.

However, each investment option comes with its unique set of benefits, risks, and considerations. When it comes to long-term investment decisions, making the right choice is crucial. In this blog, we will compare two of the most common investment options: gold investment in Pakistan and property investment.

We will explore the key factors you should consider, including liquidity, long-term growth potential, risks, and the possibility of generating passive income. By the end of this article, you’ll have a clearer understanding of which option may be better suited to your investment goals and risk profile. For more details, keep reading.

Gold Investment in Pakistan

gold investment in Pakistan

In the following paragraphs, you will find the significant reasons to invest money in gold in Pakistan.

1. Gold as an Investment Asset

Gold is widely regarded as a globally recognised asset and a reliable hedge against inflation. Its value tends to remain stable, or even increase, during periods of economic uncertainty, making it a safe haven for investors. 

One of the key advantages of investing in gold is its strong liquidity. Unlike some other assets, gold can be quickly bought or sold in virtually any market worldwide, providing investors with immediate access to cash if needed.

Moreover, gold doesn’t require the same level of maintenance as physical assets like property. There are no property taxes, repairs, or insurance costs to worry about, making it an attractive investment for those who prefer low-maintenance assets. 

This ease of management adds to gold’s appeal, particularly for those who wish to avoid the complexities of handling physical property.

Types of Gold Investment

gold bar for gold investment in Pakistan

Investors in Pakistan have several options for investing in gold, ranging from physical gold to financial products that offer exposure to gold prices.

  • Physical Gold: This includes buying gold jewellery, coins, or bars. Many people prefer this tangible form of investment, as it provides a physical asset that can be stored or even passed down through generations. However, this type of investment comes with the responsibility of ensuring its secure storage and proper insurance.
  • Gold Funds: For those who don’t want to deal with the complexities of storing physical gold, gold mutual funds offer a Shariah-compliant way to gain exposure to gold. These funds pool money from multiple investors to invest in gold assets, providing the same benefits as owning physical gold but without the need for storage or security concerns. 

Pros of Gold Investment

  • Liquidity & Accessibility: Gold is easy to trade and liquidate, allowing investors to access their funds quickly in times of need.
  • Hedge Against Inflation: Gold’s value tends to rise during periods of high inflation, helping preserve the purchasing power of investments.
  • Low Maintenance: No ongoing property taxes, repairs, or insurance costs, making gold a hassle-free asset to hold over the long term.

Pros of Gold Investment

  • No Passive Income: Unlike property, gold does not generate rental income or dividends. Investors must rely on price appreciation for returns.
  • Price Volatility: Gold prices can be volatile, with significant fluctuations depending on global economic conditions. This means that while gold is considered a safe asset, it still carries some risk, especially over shorter time frames.
  • Storage Costs: If investing in physical gold, the costs of securing and insuring the gold can reduce overall profitability.

Property Investment in Pakistan

gold Investment in Pakistan

Real estate has long been one of the most popular investment choices in Pakistan due to its tangible nature and potential for significant long-term growth. As a physical asset, property offers investors a sense of security and a stable store of value, particularly in uncertain economic times.

One of the key attractions of real estate investment is the potential for rental income. Residential and commercial properties in high-demand areas can provide steady cash flow through rent, making them a reliable source of passive income for investors.

Additionally, real estate offers the opportunity to leverage financing options. Unlike gold or other assets, property investors can often borrow significant amounts of capital through mortgages, enabling them to purchase more valuable properties than they could otherwise afford.

Real Estate Pros

  • Appreciation Over Time: Real estate tends to appreciate in value, particularly in developing urban areas or regions with increasing demand. Properties in prime locations can see significant long-term growth.
  • Steady Passive Income: Rental properties generate regular income, which can supplement your earnings and provide financial security.
  • Tangible Asset: Unlike stocks or other financial instruments, property is a physical asset that holds intrinsic value and offers a sense of stability.

    Real Estate Pros & Cons

  • Less Liquid than Gold: Selling a property can take time, and transaction costs (including real estate agent fees and taxes) can be high. This makes real estate a less liquid investment compared to gold or other assets.
  • Requires Maintenance & Taxes: Properties require ongoing maintenance, repairs, and insurance. Additionally, owners must pay property taxes, which can add to the overall cost of investment. This is in contrast to assets like gold, which require little upkeep.

Current Market Trends (2025)

gold investment in pakistan animation

The real estate market in Pakistan is expected to remain strong in 2025, with significant growth in major urban centres like Karachi, Lahore, and Islamabad.

As these cities continue to expand, demand for residential, commercial, and industrial properties increases. Commercial projects like Citadel 7, a corporate tower in Islamabad, are prime examples of this.

Government initiatives, such as infrastructure development, are also driving growth in the sector, creating new investment opportunities.

Top Investment Options in Real Estate

  • Residential Properties: Apartments, houses, and plots in urban centres are always in demand due to growing populations and urbanisation. Areas such as DHA (Defence Housing Authority) in Lahore and Karachi are beautiful for long-term investment.
  • Commercial Properties: Offices, retail spaces, and warehouses can offer high returns, particularly in bustling business districts or emerging commercial hubs.
  • Plots in Developing Areas: Investing in land in developing areas or near major infrastructure projects (such as new highways or metro lines) can be highly lucrative, as land prices in these areas tend to rise sharply once development picks up.
  • Real Estate Investment Trusts (REITs): For investors seeking a more passive approach to real estate investing, REITs offer exposure to large-scale properties without the hassle of managing them directly.

Key Considerations

  • Location is critical to the success of any real estate investment. Properties in prime locations, such as near commercial hubs, schools, and transportation links, tend to yield better returns over time.
  • Urban Growth: With cities expanding rapidly, particularly in Lahore, Islamabad, and Karachi, urban growth is a major driver of rising property values. Investing in these growing cities can be particularly profitable for long-term investors.

Property Investment vs. Gold Investment in Pakistan

Feature Gold Investment Property Investment
Liquidity High: Gold can be easily bought and sold globally. Low: Selling property can take time due to market conditions.
Income Generation No passive income (unless through gold funds). Yes: Generates rental income from residential or commercial properties.
Capital Requirements Low: Can start with small amounts (even as little as 1 gram). High: Requires significant upfront capital for purchase and maintenance.
Maintenance Minimal: No ongoing costs unless storing physical gold. High: Requires maintenance, property taxes, repairs, and insurance costs.
Appreciation Potential Steady over the long term, but can fluctuate. High: Properties, especially in growing areas, generally appreciate significantly over time.
Risk Factors Price volatility, inflation risks, storage/insurance costs. Market fluctuations, property taxes, and high transaction costs.
Passive Income No rental or dividend income. Yes: Consistent rental income from tenants.
Tangibility Physical gold is tangible but requires secure storage. Highly tangible asset, offering physical security and long-term stability.
Tax Implications No taxes on gold unless sold at a profit Property taxes, capital gains taxes upon sale, and ongoing insurance costs.
Diversification Acts as a hedge against inflation and financial market volatility. Provides portfolio diversification, especially when combined with other asset types.
Time Horizon Short to long-term: Can be held or traded based on market conditions. Long-term: Property investments typically require a more extended holding period to realise significant returns.

Conclusion | Gold Investment in Pakistan

In conclusion, both gold investment and property investment in Pakistan offer distinct advantages depending on your financial goals and risk appetite. Gold is a highly liquid, low-maintenance asset that serves as a hedge against inflation, making it ideal for those seeking stability and quick access to their capital. 

However, it cannot generate passive income and is subject to price volatility. On the other hand, property investment offers the potential for steady rental income and long-term capital appreciation, making it attractive to those looking to build wealth over time.

While real estate requires significant upfront capital and ongoing maintenance, its tangible nature and growth potential in emerging urban areas make it a favoured choice for many investors.

Ultimately, the right choice for you will depend on your financial goals, risk tolerance, and investment timeline. A diversified approach that includes both assets may also be worth considering for balanced long-term growth.

For more information on investment-related topics, such as finding the best return on investment in Pakistan, visit Chakor Ventures.

Understand how your investment performs over time with our inflation-adjusted real estate ROI calculator.

FAQs | Gold Investment in Pakistan

The following are some of the top FAQs about gold investment in Pakistan vs real estate investment in Pakistan.

What is digital gold investment in Pakistan?

Digital gold allows investors to buy gold in digital form, without the need for physical storage, through online platforms.

How to buy gold coins safely in Pakistan?

For gold investment in Pakistan, buy gold coins from reputable dealers or certified stores to ensure authenticity and proper documentation.

Compare gold investment options offered by Pakistani banks.

Pakistani banks offer options like gold savings accounts, gold-backed bonds, and gold mutual funds, each with varying degrees of risk and returns.

What are the investment risks associated with gold in Pakistan’s market?

Gold investment in Pakistan comes with risks, including volatility, storage costs (for physical gold), and potential liquidity issues during market downturns.

Is gold a good investment in Pakistan?

Gold is a stable hedge against inflation and a safe haven. Gold investment in Pakistan is a good long-term investment.

Is gold or FD better?

Gold offers potential for higher returns and is a hedge against inflation, while FDs provide guaranteed returns but lower risk.

What is the best investment in Pakistan right now?

The best investment in Pakistan depends on your goals, but options like gold, property, and stocks are popular choices based on current trends.

What are the benefits of gold investment in Pakistan?

Gold offers liquidity, inflation protection, and stability, making it a reliable choice for investors seeking low-maintenance assets.

How to invest in gold in Pakistan.

To invest in gold in Pakistan, you can buy physical gold (coins, jewelry, bars), invest in gold mutual funds, or trade digital gold through online platforms.

CategoriesNews

Rawalpindi’s Development Boom: RDA Unveils Key Projects to Transform the City

RAWALPINDI: Following directives from Chief Minister Punjab Maryam Nawaz Sharif, Sultan Bajwa, Parliamentary Secretary for Housing, Urban Development, and Public Health Engineering (HUD&PHE), visited the Rawalpindi Development Authority (RDA) on Saturday to review ongoing development projects. The meeting focused on evaluating progress and discussing future urban planning strategies.

RDA Director General Kinza Murtaza presented a comprehensive overview of major projects, including the Rawalpindi Ring Road, the Nullah Lai Project, and the Rehabilitation of the Metro Bus Corridor. Proposed initiatives discussed included the rehabilitation of Murree Road from Flashman to Faizabad and the construction of joint check posts at Adyala Road, Koral Chowk, and Chur Chowk.

Murtaza also highlighted RDA’s efforts to combat illegal housing schemes, reaffirming the authority’s commitment to transparency, modern urban planning, and the timely completion of projects. These initiatives are expected to significantly improve city infrastructure, traffic management, and public services.

Sultan Bajwa commended RDA’s work in addressing civic challenges and accelerating development. He stressed the need for sustainable growth, environmental considerations, and enhanced civic infrastructure to improve the quality of life for Rawalpindi’s residents.

The meeting concluded with directives to speed up project timelines, improve coordination between departments, and ensure that public interest remains at the core of all development activities.

The session was attended by senior RDA officials, including Director Engineering Muhammad Anwar Baran and Director Land Ghazafar Ali Awan.

For more news, visit Chakor Ventures.

CategoriesCitadel 7

Investment in Karachi: Why the City of Lights is Still a Top Real Estate Investment in Pakistan

Looking for a city where real estate investments shine? Karachi, Pakistan’s bustling economic hub, has long been a prime destination for investors seeking high returns. Despite market fluctuations, investment in Karachi remains a top choice, driven by its robust infrastructure, growing population, and promising real estate investment opportunities. Whether you’re eyeing residential, commercial, or rental properties, Karachi offers something for every investor. For further details, keep reading the Chakor Blog.

Why Karachi Still Leads in Real Estate Investment

In the following paragraphs, you will find the reasons why real estate still leads in Karachi.

Economic Powerhouse & Strategic Role

Karachi stands as Pakistan’s financial and industrial capital, housing the country’s principal port and hosting numerous multinational companies. This makes it a vital centre for trade, commerce, and industry, attracting businesses and talent from all over the country. 

Investment in karachi

As a result, the city’s real estate market consistently experiences high demand, with commercial and residential properties seeing steady growth.

Investors find the city’s economic dynamism to be a major draw, offering opportunities in both the high-end and mid-range segments.

Strong Residential Demand

With Pakistan’s population continuing to grow, particularly in urban areas, Karachi faces an ever-increasing demand for housing. The influx of a younger workforce and people from rural areas seeking better opportunities in the city has led to a surge in housing demand. 

Whether it’s for rentals or property purchases, Karachi’s real estate market offers solutions for every buyer segment. This demand ensures that properties remain in high demand, making the city a reliable choice for long-term investments.

Diversified Property Market

One of Karachi’s key strengths is its diverse property market. From luxurious residential developments in areas like DHA and Clifton to affordable housing and commercial spaces, Karachi caters to a wide range of investors. 

karachi's diversified real estate market

Whether you’re looking for a high-end investment opportunity or a more affordable, mid-range property, Karachi offers a variety of options. This diversity allows investors to choose based on their budget, risk tolerance, and investment goals, making it a flexible and attractive market.

Infrastructure & Connectivity

Karachi’s growing infrastructure is another key factor driving its real estate market. The expansion of roads, expressways, and public transport systems has greatly improved accessibility, which in turn has enhanced property values. 

Areas that were once considered remote or underserved are now being rapidly developed, and the increased connectivity boosts the appeal of these locations. 

Whether it’s new road networks or large-scale urban development projects, Karachi’s infrastructure continues to evolve, making it an even more attractive location for real estate investors.

High Rental & Capital Appreciation Potential

Karachi offers substantial potential for both rental income and capital appreciation. The city’s growing population and economic expansion ensure that demand for rental properties remains consistently high, making it an excellent choice for investors seeking steady cash flow. 

Additionally, real estate in Karachi has historically outpaced inflation, providing significant capital appreciation opportunities. 

As the city continues to develop and expand, property values are expected to keep rising, offering investors the potential for long-term growth.

Karachi’s Real Estate Market in the Context of Pakistan

When comparing Karachi with other major real estate markets in Pakistan, such as Lahore and Islamabad, it’s clear that Karachi remains the top choice for both rental income and capital growth. 

While Lahore and Islamabad boast well-established real estate markets, Karachi’s scale, diverse economic base, and larger population make it a more dynamic environment for real estate investment.

Karachi’s strategic position as Pakistan’s economic engine continues to attract both domestic and international investors, contributing to its leading role in the country’s real estate sector.

With a greater variety of properties, from luxury homes to industrial spaces, Karachi offers ample opportunities for investors. As real estate investment in Pakistan continues to evolve, Karachi stands out for its higher returns, larger rental yields, and stronger overall market performance.

8 Best Areas To Invest in Karachi

Area Investment Type Key Highlights Ideal For
DHA Karachi Premium Residential & Commercial High-end lifestyle, strong rental yields, secure environment Luxury investors & long-term capital growth
Bahria Town Karachi Residential & Commercial Gated community, modern amenities, easy installments Long-term investors & end-users
Gulshan-e-Iqbal Residential & Rental Central location, stable prices, high rental demand Safe and steady investment
Gulistan-e-Johar Mid-Range Residential High population density, affordability, rental income Rental-focused investors
Scheme 33 Emerging Residential Affordable entry, rapid development, future appreciation Long-term growth investors
Clifton Luxury Residential & Commercial Prime location, high demand, limited supply Premium and high-return investors
North Nazimabad Residential Family-friendly, stable market, consistent returns Low-risk, conservative investors
Gadap Town Future Development / Land Low prices, expansion potential, long-term upside Budget investors with long horizon

1. DHA Karachi

Defence Housing Authority (DHA) Karachi is one of the most prestigious and reliable real estate destinations in the city. Known for its modern planning and elite lifestyle, DHA remains a top preference for both local and overseas investors.

DHA Karachi

Why Invest in DHA Karachi?

  • Well-planned infrastructure with modern road networks and utilities.

  • High demand for luxury apartments, bungalows, and commercial spaces.

  • Strong rental yields due to prime location and lifestyle appeal.

  • Secure, gated, and well-maintained environment.

With continuous expansion and new development phases, DHA Karachi remains a strong investment option in Pakistan for investors planning their investment plans 2026.

2. Bahria Town Karachi – A Rapidly Growing Community

Bahria Town Karachi is one of the largest master-planned gated communities in Pakistan. Its modern lifestyle, secure environment, and long-term development vision make it a favorite among investors and homebuyers.

Bahria Town Karachi - Best area to invest in Karachi

Why Invest in Bahria Town Karachi?

  • Fully gated community with 24/7 security and maintenance.

  • Flexible and easy installment plans for investors.

  • Modern amenities including schools, hospitals, parks, and entertainment zones.

  • High appreciation potential due to continuous development.

The rising demand and large-scale infrastructure make Bahria Town Karachi one of the best areas to invest in Karachi for long-term growth.

3. Gulshan-e-Iqbal – A Centrally Located Investment Hub

Gulshan-e-Iqbal is a well-established and centrally located residential area, offering a balance between affordability and high demand. It is popular among families, students, and professionals.

gulshan e iqbal karachi

Why Invest in Gulshan-e-Iqbal?

  • Central location with easy access to main roads and business districts.

  • Close proximity to universities, hospitals, and commercial areas.

  • Strong and consistent rental demand.

  • Stable property prices with reliable returns.

Gulshan-e-Iqbal is an ideal choice for investors seeking safe and steady real estate investment in Karachi.

4. Gulistan-e-Johar – A High-Demand Residential Area

Gulistan-e-Johar is one of Karachi’s most populated and fast-growing residential localities. Its affordability and connectivity make it a preferred option for middle-income investors.

Gulistan e Johar Karachi

Why Invest in Gulistan-e-Johar?

  • High population density ensuring continuous rental demand.

  • Easy access to main roads and commercial centers.

  • Availability of apartments and houses at competitive prices.

  • Ideal for rental income and mid-range investment.

Due to consistent demand, Gulistan-e-Johar remains a strong option for property investment in Karachi.

5. Scheme 33 – A High-Growth Investment Zone

Scheme 33 is emerging as a promising investment area due to large-scale residential projects and improving infrastructure. It offers affordable entry points for investors with long-term goals.

Why Invest in Scheme 33?

  • Lower property prices compared to central areas.

  • Rapid development with multiple housing projects.

  • Increasing demand as the city expands outward.

  • Strong potential for future price appreciation.

Scheme 33 is suitable for investors planning long-term real estate investment in 2025 and beyond.

6. Clifton – Prime Location with Luxury Appeal

Clifton is one of Karachi’s most upscale and prime localities, offering a mix of residential, commercial, and high-rise developments. Its location makes it highly desirable.

clifton is the best area to invest in karachi

Why Invest in Clifton?

  • Prime location near business districts and coastal areas.

  • High demand for luxury apartments and commercial properties.

  • Excellent rental income potential.

  • Consistent appreciation due to limited land availability.

Clifton remains a top choice for investors looking for premium real estate opportunities in Karachi.

7. North Nazimabad – A Stable and Family-Friendly Area

North Nazimabad is a well-planned residential area known for its peaceful environment and strong community living. It is ideal for investors seeking low-risk options.

Why Invest in North Nazimabad?

  • Organized blocks with parks and wide roads.

  • Strong demand from families and long-term tenants.

  • Stable property prices with steady returns.

  • Well-developed infrastructure and facilities.

This area is best suited for secure and conservative real estate investment.

8. Gadap Town – A Future Investment Opportunity

Gadap Town is gaining attention as Karachi continues to expand toward the outskirts. With vast land availability, it is considered a future-focused investment option.

Why Invest in Gadap Town?

  • Affordable land prices compared to central Karachi.

  • Long-term growth potential as development expands.

  • Suitable for investors with a long investment horizon.

  • Increasing interest due to upcoming housing projects.

Gadap Town is ideal for investors looking for budget-friendly investment opportunities with future potential.

Benefits of Investing in Karachi Real Estate

The following are the benefits of investing in Karachi real estate:

Tangible Asset & Inflation Hedge

Investing in Karachi real estate provides a tangible asset that generally appreciates over time. Real estate serves as a reliable hedge against inflation, meaning that as the cost of living rises, property values in the city rise as well. This makes it an excellent investment choice for those looking to preserve and grow their wealth.

Lower Entry Barriers vs. Long-Term Returns

Unlike other markets in Pakistan, Karachi’s real estate market still offers significant returns for investors with relatively lower entry barriers. While prices have increased over the years, the market remains more affordable than in other major cities, making Karachi an attractive place for first-time investors seeking long-term gains.

Passive Income Through Rentals

With its growing population and economic development, Karachi’s residential and commercial segments continue to offer strong occupancy rates. This means investors can generate steady passive income by renting out properties, whether they’re luxury homes, apartments, or commercial office space.

Risks & Mitigation Strategies

While Karachi’s real estate market offers substantial benefits, investors must be aware of potential risks and take steps to mitigate them.

  • Market Cycles and Price Volatility: Like all real estate markets, Karachi is not immune to market fluctuations. Prices may dip during specific periods, but long-term trends indicate steady growth. Investors must understand the cyclical nature of real estate and adopt a long-term investment strategy.
  • Regulatory and Legal Due Diligence: Ensuring that all documentation is in order, including clear property titles and legal approvals, is vital to avoiding costly legal disputes. Investors should always conduct thorough due diligence or work with experienced professionals.
  • Importance of KDA‑Approved Properties and Professional Brokers: To avoid the risk of investing in unapproved or fraudulent developments, investors should prioritise properties that are Karachi Development Authority (KDA) approved. Additionally, working with licensed brokers ensures access to credible listings and valuable market insights.

Conclusion

Investment in Karachi remains one of the most strategic and lucrative opportunities in Pakistan’s real estate market. With its robust economic foundation, growing demand for housing and commercial spaces, and diverse investment options, Karachi continues to outperform other major cities. Whether you’re looking for rental income, long-term capital appreciation, or both, Karachi’s real estate market offers something for every investor.

For those ready to take the plunge, the city presents excellent growth opportunities. If you’re considering to invest money in Pakistan, keep reading the Chakor Blog for more insights, expert advice, and updates on the latest trends.

Understand how your investment performs over time with our inflation-adjusted real estate ROI calculator.

CategoriesNews

RDA Rolls Out Rs. 9 Billion Project to Transform Murree Road into a Signal-Free Corridor

RAWALPINDI: The Rawalpindi Development Authority (RDA) has unveiled plans to overhaul Murree Road, a major thoroughfare connecting Rawalpindi and Islamabad, with an estimated investment of Rs. 9 billion.

The project aims to improve road conditions and enhance traffic flow, benefiting thousands of commuters who rely on this key route.

RDA Director General Kinza Murtaza confirmed that the project will focus on two primary initiatives. The first involves the construction of service lanes on both sides of Murree Road, stretching from Liaquat Bagh to Chandni Chowk, at an estimated cost of Rs. 8.1 billion.

These lanes will significantly increase traffic capacity and make the road signal-free from Marrir Chowk to Faizabad once completed. A land acquisition survey is underway, with practical work expected to begin after funds are released by the provincial government.

The second initiative, costing Rs. 953 million, focuses on the rehabilitation of Murree Road from Saddar Flashman’s to Faizabad, including resurfacing and re-carpeting of the existing stretch. This upgrade follows the last major repairs, which took place in 2014 after the construction of the Metro Bus elevated track.

The Punjab government has asked RDA and other civic bodies to submit projects aimed at enhancing Rawalpindi’s infrastructure. These efforts are part of a broader development package for the city, which will also focus on improving water supply, sewerage, and civic amenities starting in 2026.

The RDA’s planned upgrades are expected to ease congestion, improve road safety, and present a cleaner, more organised appearance to the city’s visitors and residents alike.

CategoriesConstruction Developments

Cryptocurrency Trading vs. Investing vs. Real Estate Investing: Comparing Stability and Volatility in Pakistan

In the ever-evolving world of investments, traditional methods such as real estate are no longer the only options. With the rise of digital currencies, cryptocurrency trading vs investing has introduced exciting new investment opportunities in Pakistan. But with these emerging options comes a crucial question: which one should you choose?

The decision between cryptocurrency trading/investing and real estate investing depends largely on individual factors such as financial goals, risk tolerance, and market understanding. While real estate offers stability and tangible assets, cryptocurrencies are known for their volatility and high-growth potential.

However, both investment avenues come with their own set of challenges and rewards. In this article, we’ll break down the pros and cons of cryptocurrency trading, crypto investing, and real estate investing to help you make an informed decision.

Whether you’re drawn to the quick profits of crypto or the long-term growth of real estate, understanding these investment options will enable you to choose the one that best suits your unique needs and financial objectives.

Overview of Cryptocurrency Trading

cryptocurrency trading vs investing

Cryptocurrency trading involves buying and selling digital currencies to make short-term profits. Traders capitalise on cryptocurrency price fluctuations, buying low and selling high, sometimes within minutes or hours. 

This fast-paced nature of crypto trading requires constant market monitoring, with a focus on quick decision-making to maximise profits.

Traders often use advanced tools, such as charts and indicators, to predict price movements and determine the best entry and exit points.

Pros of Crypto Trading

  • High Volatility = High Profit Potential: The crypto market is known for its significant price fluctuations, which can offer traders substantial profit opportunities in a short period.
  • 24/7 Market Access: Unlike traditional markets that operate during fixed hours, cryptocurrency markets are open around the clock, allowing traders to act on opportunities at any time.
  • Global Accessibility: Crypto trading platforms are accessible from anywhere in the world, providing a global trading environment.
  • Potential for Quick Gains with Leverage: Some exchanges offer leverage, enabling traders to amplify potential gains (though this also increases the risk).

Cons of Cryptocurrency Trading

  • High Risk Due to Volatility: The same volatility that offers profit potential also presents significant risks, with sudden market crashes potentially leading to substantial losses.
  • Complexity of Understanding Technical Analysis: Successful trading requires knowledge of technical analysis, chart patterns, and market indicators, which can be complex for beginners.
  • Security Risks: Crypto traders face the risk of hacks and cybercrime, as digital wallets and exchanges can be vulnerable to breaches.
  • Emotional Strain from Market Swings: The market’s unpredictability can be emotionally taxing, with traders constantly experiencing anxiety, stress, and the fear of missing out (FOMO).

Cryptocurrency Investing

Cryptocurrency Investing

Cryptocurrency investing, on the other hand, is about buying and holding digital currencies for long-term growth. Investors in this category believe in the future potential of blockchain technology and specific cryptocurrencies, such as Bitcoin or Ethereum. 

Unlike traders who focus on short-term gains, investors aim to hold onto their assets for extended periods, hoping that their value will increase as the market matures and adoption rises.

Pros of Crypto Investing

  • Potential for Long-Term Growth: As blockchain technology becomes more widely adopted, investors expect cryptocurrencies to see increased demand and, consequently, higher prices.
  • Diversification for Portfolios: Cryptocurrencies offer a unique asset class that can diversify an investment portfolio, especially for those looking to hedge against traditional market risks.
  • Relative Ease of Entry: The barrier to entry in crypto investing is lower than in many other investments, with many cryptocurrencies being available for purchase in small amounts.

Cons of Crypto Investing

  • Highly Speculative and Uncertain Long-Term Stability: The crypto market is still in its early stages, and its future remains speculative, making long-term stability uncertain.
  • Regulatory Concerns: Governments and regulators worldwide are still grappling with how to classify and regulate cryptocurrencies, and future regulations could affect their value or legality.
  • Potential for Massive Losses if the Market Crashes: Although the potential for gains is high, the risks are equally severe. A major market crash could result in significant losses for long-term investors.
  • Lack of Tangible Assets to Back the Investment: Unlike real estate or stocks, cryptocurrencies lack tangible assets or physical backing, making them harder to value and more susceptible to market speculation.

Cryptocurrency Trading vs Investing | Overview of Real Estate Investing

cryptocurrency trading vs investing

Real estate investing involves purchasing, owning, or renting properties to generate returns, either through property value appreciation or rental income. In Pakistan, real estate has long been considered a relatively stable and lucrative investment option, driven by the country’s growing population and urbanisation. 

Unlike highly volatile cryptocurrencies, real estate offers tangible assets that can provide long-term value and steady income streams.

Cryptocurrency Trading vs Investing | Why Real Estate is Safer and More Stable Compared to Cryptocurrencies

Real estate is often seen as a safer investment because it is backed by physical assets that can appreciate over time. Unlike cryptocurrencies, which can experience wild price swings in short periods, real estate tends to have lower volatility and a more predictable growth trajectory. 

This makes it a preferred option for those seeking stability, particularly in regions like Pakistan, where economic conditions can fluctuate but property remains a key store of value.

Pros of Real Estate Investing

  • Tangible Assets: Properties are physical assets that can increase in value over time, offering a sense of security.
  • Steady Cash Flow: Rental properties provide consistent, passive income through monthly rents.
  • Tax Benefits: Investors may benefit from certain tax deductions and incentives in some areas.
  • Long-Term Stability: Real estate investments tend to exhibit lower volatility than cryptocurrencies.
  • Hedge Against Inflation: As inflation increases, property values and rents often rise, preserving wealth.

Cons of Real Estate Investing

  • High Upfront Cost: Real estate investments require significant capital, often with financing challenges.
  • Long-Term Horizon: Real estate typically requires years to see substantial returns.
  • Illiquidity: Selling property quickly is difficult and can take months or even years.
  • Management Hassles: Property owners may face headaches from managing tenants or maintaining properties.
  • Market Fluctuations: Local economic conditions, government regulations, and policy changes can impact property values in Pakistan.

Cryptocurrency Trading vs. Investing: How to Choose the Right Investment Option for You? 

Choosing the right investment option between cryptocurrency trading vs investing or real estate investing in Pakistan depends on several factors, including your financial goals, risk tolerance, and the level of involvement you’re willing to commit to. Here are some key considerations to help guide your decision:

Risk Tolerance

If you prefer a safer, more stable investment, real estate might be a better fit due to its relatively low volatility. On the other hand, cryptocurrency offers high potential returns but comes with significant risk.

If you are willing to accept fluctuations and the potential for loss, crypto might appeal to you, but if you’re risk-averse, real estate would be a better fit.

Investment Goals

Do you want short-term gains or long-term growth? Cryptocurrency trading can deliver quick profits through rapid price changes, making it ideal for those seeking short-term returns.

In contrast, real estate investing and crypto investing typically require a longer investment horizon, focusing on gradual appreciation and more stable returns over time.

Liquidity Needs

Cryptocurrency is highly liquid; you can quickly buy or sell assets in a 24/7 market. Real estate, however, is illiquid and may take months to sell, which means it’s a better choice if you’re willing to commit for a more extended period and don’t need immediate access to your funds.

Market Knowledge

Investing in crypto requires a good understanding of market trends, blockchain technology, and often technical analysis, especially for trading. In contrast, real estate investing involves knowledge of local property laws, market trends, and potential for future development. Consider which market you’re more knowledgeable about.

Capital Availability

Real estate investing typically requires a larger upfront investment, making it more suitable for those with higher available capital. Crypto investing, however, allows for entry with relatively lower capital, enabling people to start with smaller amounts and scale up over time.

Conclusion

The right choice ultimately depends on your personal circumstances. If you have a higher risk tolerance, a short-term outlook, and limited capital, cryptocurrency might be the better option. If you prefer stability and long-term growth and can commit more capital, real estate could be a more suitable choice. 

Before making a decision, it’s essential to thoroughly research each investment type and consult with financial experts to ensure it aligns with your financial goals and risk profile.

For more information on relevant topics such as Best Vertical Corporate Tower in Islamabad, visit Chakor Ventures.

FAQs | Cryptocurrency Trading vs Investing

Can you make $100 a day trading crypto?

Yes, it’s possible, but it requires experience and a well-thought-out trading strategy.

How much can you make off crypto in a day?

Earnings vary significantly depending on market fluctuations, strategy, and investment size.

Is it possible to make $200 a day day trading?

Yes, but it requires skill, experience, and a high tolerance for risk in volatile markets.

Which is better, trading or investing?

It depends on your risk tolerance, time commitment, and financial goals.

Is it better to be a trader or investor?

Traders can make quick profits, while investors typically look for long-term gains with lower risk.

What is the 90% rule in trading?

The 90% rule suggests that 90% of traders lose money, emphasising the importance of discipline and strategy.

Which one is best, investing or trading?

It depends on your goals, with investing being more passive and trading requiring active involvement.

Is $100 enough to start trading?

Yes, you can start with $100, but your returns may be small unless you take high risks.

Why do 99% of day traders fail?

Most fail due to a lack of strategy, emotional trading, and insufficient risk management.

Cryptocurrency trading vs investing.

Trading involves short-term buying and selling for profit, while investing is long-term with an emphasis on asset growth.

Which is better, trading or investing?

Trading can offer quicker returns but with higher risks, while investing is typically safer and aimed at long-term gains.

What is the 2% rule for property?

The 2% rule suggests that the monthly rent of a property should be at least 2% of its purchase price to be a good investment.

How do you calculate the 2% rule?

Multiply the property’s purchase price by 2%, then compare it to the expected monthly rent.

How realistic is the 2% rule?

It’s a useful guideline, but it may not apply to every property, especially in expensive areas or emerging markets.

What is the best investment in Pakistan right now, cryptocurrency trading vs investing?

Real estate and stocks are popular options, but it depends on market conditions.

What investment is 100% safe, cryptocurrency trading vs investing?

No investment is 100% safe, but government bonds and FDIC-insured accounts are among the safest.

Which top 5 stocks to buy today?

Stock recommendations vary, so it’s best to consult a financial advisor or conduct thorough research.

Which investment gives 50% return, cryptocurrency trading vs investing?

Investments with high returns, such as stocks or cryptocurrencies, carry high risk and may yield those returns only under favourable conditions.

Which city is best for real estate investment in Pakistan?

Major cities like Lahore, Karachi, and Islamabad are popular for real estate investments.

Which is the best place to invest money in Pakistan, cryptocurrency trading vs investing vs ?

Real estate, stocks, and mutual funds are the top investment options in Pakistan, based on current market trends. However, real estate investing in Pakistan tops all.

What is the best city to buy property in?

Cities like Lahore, Islamabad, and Karachi offer lucrative property investments.

Is real estate a good investment in Pakistan?

Yes, real estate in Pakistan has historically provided good returns, especially in major cities.

What is the future of real estate in Pakistan?

The real estate market is expected to continue growing, particularly in urban areas.

Is it worth investing in property in Pakistan?

Yes, given the potential for long-term appreciation and rental income.

Which investment gives the highest return in Pakistan, cryptocurrency trading vs investing?

Real estate and stocks are among the highest-return investments in Pakistan.

What is the biggest problem in real estate?

Issues like property fraud, legal complications, and fluctuating market conditions pose significant challenges.

Is real estate a good investment in Pakistan?

Yes, real estate in major cities offers significant long-term potential for both capital appreciation and rental income.

What is the 2% rule for property?

It suggests that the monthly rent should equal 2% of the property’s purchase price for a good investment.

Which city is best for real estate investment in Pakistan?

Lahore, Karachi, and Islamabad are among the best cities for real estate investment.

What is the best investment in Pakistan right now, cryptocurrency trading vs investing?

Real estate and stocks continue to be the most promising investment options in Pakistan.

Best real estate investment platforms in Pakistan.

Platforms like Chakor Ventures provide reliable real estate investment opportunities in Pakistan.

How to buy property through online real estate portals in Pakistan?

Visit trusted websites like Chakorventures.com and browse listings, and contact sellers or agents to proceed with the purchase.

Compare real estate investment funds available in Pakistan.

Various REITs (Real Estate Investment Trusts) and property funds offer investors access to diverse real estate portfolios.

How to verify property listings on Pakistani real estate websites?

Ensure listings come from verified developers or brokers, and consult legal experts to confirm the property’s authenticity.

Find commercial real estate projects open for investment in Pakistan.

Websites like Chakor Ventures list commercial projects open for investment.

Guide to property rental services for real estate investors in Pakistan.

Property rental services offer reliable tenants and property management services, ensuring steady rental income.

Where to find trusted real estate brokers in major Pakistani cities?

Trusted brokers can be found through reputable online platforms, real estate websites, and referrals from other investors.

CategoriesNews

CDA Completes E-Stamp System to Tackle Land Fraud and Enhance Transparency

ISLAMABAD: The Capital Development Authority (CDA) has completed the process of linking the e-stamp paper system in Islamabad, marking a significant step toward eliminating fraud, deception, and the creation of forged documents in land transactions.

With this system fully operational, the next phase will focus on issuing judicial e-stamp papers, further preventing tampering with land transfers and registry documents.

A recent meeting held at the CDA Headquarters, attended by Islamabad Deputy Commissioner Irfan Nawaz Memon and ICT Director Rabia Aurangzeb, discussed the progress of the e-stamp system. The meeting was also joined virtually by the PLRA Director General and his team. It was revealed that the software for the e-stamp system has been developed, and formal testing has now begun.

The meeting also reviewed the digitisation efforts within ICT and CDA. Notably, the digitisation of 24 revenue estates has been completed, with plans to finalise the remaining 11 estates soon. Additionally, the scanning of all records in the CDA’s Estate Wing has been completed, and scanning of Building Control records is currently underway. Once completed, these records will be fully digitised.

To enhance accessibility, a mobile application has been developed to enable citizens to access their land records more easily. This initiative is expected to streamline transactions, property transfers, mutations, sales, and purchases, ensuring greater transparency in the system.

The introduction of e-stamp papers will significantly reduce instances of land fraud and unauthorised property transfers, bringing much-needed reform to Islamabad’s real estate sector.

best way to invest money in pakistan
CategoriesInvestment

10 Best Ways to Invest Money in Pakistan’s Real Estate Market

Investing your money wisely can shape long-term financial security, especially in a dynamic economy like Pakistan’s. With a growing population and steady urban development, property remains one of the best way to invest money in Pakistan, consistently topping other options. To understand how to get started effectively, this Chakor blog breaks it down, so keep reading.

Best Ways to Invest Money in Pakistan: Unlocking High-Return Potential

Pakistan’s diverse economy offers a wide range of investment opportunities, but when it comes to maximizing returns, real estate stands out as one of the most lucrative investment options in Pakistan for long-term investors. Below is a breakdown of the best investment avenues, with a focus on the higher returns achievable through real estate.

Investment Type Annual Return Range Key Advantages Why Invest
1. Real Estate 8% – 15%+ (Capital Growth & Rental Income) Tangible asset, high growth potential, regular income (rent) Capital appreciation and rental income, stability
2. Stock Market 30% – 50% (during bullish periods) High return potential, liquidity Short-term gains, easy entry/exit, high volatility
3. Bonds (PIBs & Sukuk) 10% – 14% Fixed, predictable returns, lower risk Secure, stable, low-risk for conservative investors
4. Gold Investment 15% – 40% Hedge against inflation, liquid asset Safe, long-term value preservation, no rental income
5. National Savings Schemes 10% – 13% Government-backed, low risk Stable, safe returns, good for low-risk investors
6. Commodities & Forex Variable, High Risk (Highly volatile) Potential for high returns, high liquidity High returns, speculative investments, global market impact
7. Small Business 20%+ High growth potential, hands-on involvement, entrepreneurial rewards Significant returns if the business succeeds
8. Certificate of Deposit (CDs) 7% – 12% Low risk, fixed returns, safe and predictable Secure, guaranteed returns for conservative investors
9. Agriculture 10% – 25%+ Long-term growth, steady demand for food and agricultural products Stable returns, essential industry, low operational cost
10. Dairy Farming 10% – 20%+ Consistent demand, long-term profits, stable income stream Reliable income, growing population demand for dairy

1. Real Estate Investment: The Best Option for High Returns

Real estate in Pakistan has consistently shown high return potential over the years. With capital appreciation and rental income, real estate investments can deliver substantial returns, especially in high-demand urban areas like Karachi, Lahore, and Islamabad. Unlike volatile markets such as stocks, real estate offers both steady cash flow from rents and significant asset value growth.

Real Estate Investment - Best Way To Invest Money in Pakistan

Why Real Estate in Pakistan?

  • High Return Potential: With annual returns ranging from 8% to 15%+, real estate has the ability to outperform other traditional investments.

  • Capital Appreciation: Properties in prime locations appreciate over time, offering double benefits: regular rental income and price appreciation.

  • Tangible Asset: Real estate is a physical asset that offers stability, unlike stocks or bonds that are affected by market fluctuations.

Key Areas for Investment in Real Estate:

  • DHA Karachi: Premium locations like DHA offer returns of up to 15%+ per year, depending on the property and development phase.

  • Bahria Town Karachi: With ongoing development, this gated community offers affordable entry points and high growth potential, reaching up to 20% annually.

2. Stock Market Investment

While the stock market offers opportunities for higher returns, it comes with significant volatility. Historically, the Pakistan Stock Exchange (PSX) has offered returns between 30% and 50% during bullish periods. However, stock market investments are subject to market swings, making them less predictable and riskier compared to real estate.

Stock Market Investment

Why Consider the Stock Market?

  • High Short-Term Returns: During bullish markets, stocks can yield strong returns.

  • Liquidity: Stocks are more liquid than real estate, enabling faster entry and exit.

However, the long-term stability and growth potential of real estate investment make it a more attractive option for those seeking consistent returns.

3. Bonds

Bonds, such as Pakistan Investment Bonds (PIBs) and Sukuk, offer a fixed return of around 10% to 14% per year. They are considered safer compared to stocks but do not match the high return potential of real estate.

Pakistan Bond Investment

Why Invest in Bonds?

  • Fixed Returns: Bonds provide predictable, fixed returns, which is appealing for conservative investors.

  • Lower Risk: Government bonds carry lower risk compared to equities.

Although bonds are safe, their low returns make them less attractive for investors seeking high growth compared to the substantial appreciation potential of real estate.

4. Gold Investment

Gold investment remains a popular choice, particularly during periods of economic uncertainty or inflation. Over the years, gold has shown an appreciation of 15% to 40%, depending on global economic conditions. However, gold lacks the ability to generate rental income or substantial capital gains as effectively as real estate.

Gold Investment is one of the best way to invest money in Pakistan

Why Invest in Gold?

  • Hedge Against Inflation: Gold maintains its value during inflationary periods.

  • Liquid Asset: Easy to sell and trade on global markets.

While gold is a safe investment, it does not have the same cash flow advantages or consistent returns as real estate investments.

5. National Savings Schemes

Government-backed National Savings Schemes offer returns of around 10% to 13% annually. These are secure investments but provide lower yields compared to real estate. Given their predictability and safety, they’re a good option for low-risk investors but will not outperform real estate in terms of return potential.

National Savings Scheme

Why Choose National Savings Schemes?

  • Low Risk: Government-backed, guaranteeing the safety of your principal.

  • Predictable Returns: Provides stable returns with low volatility.

Though safe, National Savings Schemes fail to offer the higher yield potential of real estate, especially in cities with growing demand for properties.

6. Commodities and Forex Trading

Both commodity trading (including oil and agricultural products) and forex (foreign exchange trading) offer potential for high returns, but they also come with high risk. Returns in forex can be extremely volatile, with traders potentially losing large sums in a short period. Commodities, Forex & Cryptocurrency trading investments can yield significant returns, but these markets are influenced by global demand and supply conditions, making them unpredictable.

Commodities and Forex Trading

Why Consider Commodities and Forex?

  • Potential for High Returns: If you understand the market well, commodities and forex can deliver high returns.

  • Liquidity: Can enter and exit markets quickly.

7. Small Business Investments

Investing in small businesses or startups can be highly rewarding, offering returns ranging from 20%+ depending on the business model and growth potential. While the risk is high, the rewards can exceed real estate in some cases. However, success depends on the business’s performance, making it more uncertain.

Why Invest in Small Businesses?

  • High Return Potential: Successful businesses can scale quickly and deliver substantial profits.

  • Entrepreneurial Growth: Direct involvement in a growing company.

Though small businesses can provide significant returns, real estate remains a safer bet for those seeking higher long-term returns with less operational risk.

8. Certificate of Deposit (CDs)

Certificate of Deposit (CDs) are low-risk, interest-bearing investments offered by banks. With returns generally ranging from 7% to 12% annually, CDs offer a safe and predictable way to grow your money without much volatility. However, the returns are typically lower compared to more dynamic investments like real estate.

Certificate of Deposit Investment

Why Invest in CDs?

  • Fixed Returns: CDs provide guaranteed returns, making them a safe investment option for conservative investors.

  • Low Risk: Backed by banks, they are highly secure investments.

While CDs provide stability, their return potential is generally lower than that of real estate, which offers both capital appreciation and rental income.

9. Agriculture Investment

Agriculture remains a critical sector in Pakistan’s economy, and investing in agriculture, such as crop cultivation or livestock farming, can offer returns of 10% to 25%+, depending on market conditions and farming efficiency.

Agriculture Investment is one of the best way to invest money in Pakistan

Why Invest in Agriculture?

  • Steady Demand: There’s always a steady demand for food and agricultural products.

  • Long-Term Growth: Agriculture investments can provide stable returns over a long period.

However, real estate investments tend to have higher liquidity, more predictable growth, and greater overall returns, making real estate a more appealing option for those looking for long-term, high-return investments.

10. Dairy Farming

Dairy farming offers investors returns in the range of 10% to 20%+, based on scale and management. With Pakistan’s growing population, dairy products remain in high demand, making this a stable and profitable investment.

Why Invest in Dairy Farming?

  • Consistent Demand: Dairy products like milk, yogurt, and butter are staples in daily consumption.

  • Long-Term Profits: With good management, dairy farming can provide consistent profits.

While dairy farming can be a reliable investment and offers a steady income stream, real estate typically offers higher capital appreciation and a more hands-off investment option compared to the operational demands of farming.

Why Real Estate Is a Best Way to Invest Money in Pakistan?

Real estate remains one of Pakistan’s most stable and rewarding investment options, often outperforming savings accounts and other financial instruments. With rising urbanisation and consistent demand, property continues to offer reliable growth and long-term value.

Key Reasons Real Estate Stands Out

  • Offers stronger stability compared to stocks, mutual funds, and savings accounts.
  • Highlighted by local investment guides as a dependable hedge against inflation.
  • Provides long-term capital appreciation in growing urban markets.
  • Generates steady rental income for passive earnings.
  • Allows diversification within an investment portfolio.
  • Risks to consider: lower liquidity, documentation requirements, and market fluctuations.

Why Residential Plots and Housing Societies Are the Best Way to Invest Money in Pakistan

Investing in residential plots or houses within reputable housing societies remains one of the most reliable time-tested and best way to invest money in Pakistan. Well-planned societies with strong development records, approved NOCs, and growing populations tend to appreciate significantly over time. As cities expand and the demand for secure, community-based living rises, residential real estate continues to offer impressive long-term returns.

Pros

  • Secure Asset: Tangible, less volatile than stocks or mutual funds.
  • High Demand: Housing shortages in major cities keep demand strong.
  • Strong Resale Value: Plots in reputable societies often appreciate steadily as development progresses.

Cons

  • Slow Liquidity: Reselling property may take time, especially in slower markets.
  • Development Delays: Some projects face delays, affecting expected ROI timelines.

Why Invest in Commercial Real Estate?

Commercial real estate is known for generating higher rental yields compared to residential properties. With businesses expanding, retail culture growing, and mixed-use developments becoming more common, demand for commercial spaces has surged. Insights from platforms like Chakor Ventures further highlight the strong income potential and long-term stability of investing in commercial holdings. Investing in commercial real estate is considered the best way to invest money in Pakistan.

Types of Commercial Real Estate

  • Retail shops & showrooms
  • Office spaces
  • Warehouses & industrial units
  • Mixed-use towers with commercial + residential components

Pros

  • Strong Cash Flow: Higher rent compared to residential units.
  • Steady Rental Income: Businesses often sign long-term leases, ensuring income consistency.

Cons

  • Higher Upfront Cost: Requires more capital than residential investments.
  • Active Management Required: Maintenance, tenant coordination, and contract handling take effort.

Why Invest in Rental Properties?

Rental properties, whether conduminium complex, houses, or commercial units, offer one of the simplest ways to earn a steady monthly income. In major cities like Karachi, Lahore, Islamabad, and Rawalpindi, demand for rental units remains consistently high due to urban migration and a growing workforce.

Best Areas for Rentals

  • Central business districts
  • University towns
  • Urban apartment clusters
  • Commercial hubs and tech corridors

Pros

  • Recurring Income: Monthly cash flow + long-term appreciation.
  • Dual Return: Earn rent and benefit from rising property values.

Cons

  • Tenant Management: Dealing with agreements, concerns, or late payments.
  • Maintenance Costs: Repairs and upkeep can reduce net rental income.

New & Emerging Real Estate Markets

Emerging Real Estate Markets

Pakistan’s rapid urban expansion has fueled demand for housing and commercial properties in newer, under-development zones. Government investment guides highlight that emerging cities and newly planned societies offer high-potential investment opportunities in Pakistan due to infrastructure growth, affordability, and rising population density.

Buying early in these areas allows investors to benefit from significant appreciation once the area develops and becomes livable.

Benefits of Early-Stage Investment

  • Lower entry cost
  • Higher potential ROI
  • First-mover advantage

Pros

  • High Growth Potential: Values often rise sharply as infrastructure improves.
  • Affordable Investment Options: Ideal for moderate-budget investors.

Cons

  • Development Risks: Delays or poor execution may slow returns.
  • Longer Holding Period: Investors often need patience before realising significant gains.

Combine Real Estate with Diversified Investment Portfolios

Diversified Investment Portfolios are the best way to invest money in Pakistan

Real estate is powerful, but it becomes even more effective when combined with other investments such as stocks, mutual funds, fixed income, or REITs (where available). Comparisons from platforms like KASB and PSX highlight how portfolios blending real estate with financial instruments balance growth and stability.

By diversifying, investors reduce dependency on a single asset class and protect their wealth against economic swings, hence making it the best way to invest money in Pakistan.

Why Diversification Works

  • Real estate offers stability and appreciation.
  • Stocks provide liquidity and short-term gains.
  • Mutual funds offer managed, diversified exposure.
  • Together, they create a balanced investment strategy.

Pros

  • Balanced Risk-Return Profile: Smooths out market volatility.
  • Better Financial Security: Multiple revenue streams and long-term growth.

Cons

  • Requires Planning: Investors must align risk tolerance with asset allocation.
  • Risk Assessment Needed: Not all assets perform well simultaneously.

How to Choose the Right Real Estate Investment in Pakistan

best way to invest money in Pakistan

Selecting the right real estate investment requires careful planning and research. With countless new housing societies, commercial projects, and emerging urban zones across Pakistan, understanding the fundamentals is one of the best way to invest money in Pakistan. 

Budget Planning

Start by defining a realistic budget. Consider not just the purchase price but also related costs such as taxes, development charges, transfer fees, and potential renovation expenses. A clear budget prevents overextension and helps you compare options effectively.

Location Analysis

Location remains the strongest driver of property value. Look for areas with:

  • Growing population movement
  • Upcoming infrastructure projects
  • Proximity to schools, hospitals, business districts, and main roads

Prime locations or regions with development momentum tend to appreciate faster and attract better rental demand.

Developer Reputation

Always research the developer’s track record. Reputable developers consistently deliver high-quality projects on time. Review:

  • Previous project performance
  • Delivery timelines
  • Community feedback

A credible developer greatly reduces risk and increases investment confidence.

Legal Documentation (NOC, Registry)

Never proceed without verifying the legal status of the project. Ensure:

  • NOC approval from the relevant authorities
  • Clear land ownership
  • Proper registry and transfer processes

Legal clarity protects you from fraud, disputes, and future complications.

Market Timing

Real estate cycles fluctuate. Buying during a buyer-friendly phase, when prices are stable and supply is high, can significantly improve ROI. Keep an eye on economic trends, government policies, and market sentiment.

Future Development Plans

Areas with planned infrastructure, such as new roads, commercial zones, educational institutions, and transport links, often experience strong appreciation. Confirm whether the locality has updated master plans or government-backed development projects.

Common Mistakes to Avoid When Investing in Real Estate

best way to invest money in Pakistan animation

Even experienced investors can make costly mistakes. Awareness of these common pitfalls can save you time, money, and stress in the long run.

Buying Without Proper Verification

Never purchase a property without confirming its legal status, NOC, developer credibility, and actual on-ground progress. Lack of due diligence is one of the biggest causes of real estate losses in Pakistan; hence, it is not the best way to invest money in Pakistan.

Falling for Marketing Hype

Billboards, glossy brochures, and social media ads can be misleading. Do not invest based solely on promotions. Always verify the project’s legitimacy, demand, and development potential.

Investing Only Because Others Are

Following the crowd can lead to poor decisions and is not the best way to invest money in Pakistan. A friend or relative’s investment may not align with your financial goals, budget, or timeline. Choose assets that match your personal strategy.

Not Considering Long-Term Costs & Taxes

Hidden costs such as maintenance charges, taxes, renovations, and transfer fees can affect overall profitability. Ignoring these expenses may result in lower-than-expected returns.

Ignoring the Rental vs. Resale Strategy

Every property should have a clear purpose. Ask yourself:

  • Do I want steady rental income?
  • Am I aiming for resale at a higher value?

Confusion between these strategies may lead to mismatched expectations and weaker returns.

Conclusion | Best Way to Invest Money in Pakistan

Investing in Pakistan’s real estate market is the best way to invest money in Pakistan. It offers some of the best investment opportunities, providing long-term growth and stability. With thoughtful planning, proper verification, and strategic location choices, investors can achieve strong returns and secure their financial future through property investment.

For more information on relevant blogs such as Bonds and investment certificates, visit Chakor Ventures.

What is the best investment option in Pakistan?

Real estate and mutual funds are currently among the way to invest in Pakistan.

Where is the best place to invest money in Pakistan right now?

Emerging real estate projects in major cities like Karachi, Lahore, and Islamabad offer strong potential returns.

How to invest Rs 1000 per month wisely?

Start with a low-cost mutual fund or digital savings plan that compounds over time.

Is there any 100% safe or risk-free investment?

No investment is completely risk-free, but government bonds and savings certificates come closest.

Where should I invest 1 lakh to earn monthly income?

Investing in rental properties or a monthly income fund can generate consistent monthly returns.

Is it possible to earn 30% return on investment?

Yes, but usually through high-risk assets like stocks, startups, or speculative real estate.

What if I invest Rs 5000 every month—how much will it grow?

With consistent investing and compounding, Rs 5000 monthly can grow significantly over several years.

How can I make 1 crore by investing monthly (e.g., Rs 5000)?

Investing Rs 5000 monthly in a high-return SIP for long-term (15–20 years) can potentially reach 1 crore.

How much can I realistically earn per day from the share market?

Daily earnings vary, but beginners should aim for small, consistent gains rather than high-risk profits.

How can I double my money (e.g., Rs 5,000) through investing?

You can double your money through long-term compounding in mutual funds or by taking a higher risk in stocks.

CategoriesNews

FBR’s New Valuation Tables Shake Up Islamabad’s Real Estate Market  

ISLAMABAD: The Federal Board of Revenue (FBR) has issued revised property valuation rates for 68 localities across the capital, significantly increasing taxable benchmarks for residential, commercial, and rural properties. The new rates take immediate effect and are aimed at aligning declared transaction values with prevailing market prices.

According to SRO 2392, FBR has set the valuation of residential and commercial superstructures at Rs 4,000 per square foot for buildings up to five years old and Rs 3,000 per square foot for older constructions. Rural property valuations will continue under the Islamabad District Collector’s mandate.

Several high-end sectors have seen substantial increases. E-7 has become the most expensive locality with residential plots now valued at Rs 600,000 per square yard. Sectors F-7 and F-6 are each valued at Rs 500,000 per square yard, while F-8 stands at Rs 450,000. Meanwhile, sectors F-10, F-11, and G-6 have been revised to Rs 350,000 per square yard.

Farmhouse valuations have also been updated sharply, with Chak Shahzad reaching Rs 11.2 million per kanal and Gulberg Green rising to Rs 17.55 million per kanal. Commercial plots show some of the steepest adjustments, with D-12 and E-11 now valued at Rs 1 million per square yard, and premium commercial areas in E-7 and F-7 at Rs 2.5 million per square yard.

FBR officials stated that the updated valuation tables are intended to enhance documentation, increase transparency, and ensure more accurate capital gains and withholding tax assessments in Islamabad’s property market.

For more news, visit Chakor Ventures.

CategoriesCitadel 7

Finding the Best Return on Investment in Pakistan: Why Property Tops the List

In a country where economic volatility, rising inflation, and frequent currency fluctuations constantly reshape financial realities, many Pakistanis struggle to find safe yet rewarding ways to grow their savings. 

Whether you’re a salaried individual, an entrepreneur, or a non-resident Pakistani sending money back home, the search for the best return on investment in Pakistan has become more critical and more challenging than ever.

With so many investment opportunities in Pakistan available today, ranging from stocks and mutual funds to savings instruments and real estate, the key question remains: Which investment avenue consistently offers strong returns while protecting long-term wealth? And more importantly, why does property so often rise to the top of that list?

In this blog, Chakor Ventures will break down Pakistan’s primary return-on-investment options, compare their risk-reward profiles, and explore why real estate continues to dominate investor preference across the country. 

Overview of the Investment Landscape in Pakistan

best return on investment in pakistan animation

Pakistan offers a wide range of investment opportunities, each with its own balance of risk, return, and liquidity. Understanding these options helps investors align their choices with their financial goals, whether they seek growth, stability, or passive income.

Investment Type Risk Level Return Potential Liquidity Best For
Stock Market (PSX) High High (but volatile) High Investors seeking growth and comfortable with risk
Mutual Funds Medium Moderate to High Medium–High Those wanting diversification and professional management
Government Bonds & Savings Schemes Low Low to Moderate Low–Medium Risk-averse investors seeking stable, predictable returns
Commodities (Gold) Medium Moderate, long-term stable High Investors wanting inflation protection and asset security
Savings Accounts & Bank Deposits Very Low Low High Beginners or those needing quick access to funds
Real Estate (Property) Medium Moderate to High (long-term) Low Investors with long-term goals and sufficient capital

Real Estate Investing- Best Return On Investment Option in Pakistan

Property continues to outperform many other investment options in Pakistan due to its stability, long-term value, and dual-return structure.

Tangible Asset, Inflation Hedge & Long-Term Value Preservation

Real estate investing offers a sense of security because it is a visible, physical asset that holds intrinsic value. This makes it especially appealing in a market where trust in financial instruments can fluctuate.

Key points:

  • Physical & tangible asset
    • Investors prefer something real and secure, “something you can see and own.”
    • Adds emotional and financial reassurance compared to paper-based investments.
  • Natural hedge against inflation
    • As inflation rises, property prices and rental yields typically increase.
    • Helps preserve purchasing power in Pakistan’s high-inflation environment.

  • Strong long-term appreciation
    • Urbanisation and rising population pressure keep demand high for housing and commercial units.
    • Higher demand in major cities leads to upward price trajectories.

Dual Benefit: Capital Appreciation + Rental Income

Real estate stands out because it delivers two forms of return, making it a comprehensive wealth-building tool.

Key points:

  • Capital appreciation over time
    • Property values tend to rise as areas develop and infrastructure improves.
    • Long-term investors benefit from consistent market growth.
  • Steady rental income
    • Generates passive income through monthly or annual rentals.
    • Offers cash flow even while the property appreciates in value.
  • Legacy-building asset
    • Ideal for investors with substantial capital seeking long-term security.
    • It can be passed down through generations, maintaining wealth stability.

Less Volatile Than Stocks, Lower Risk

Compared to the stock market, which reacts instantly to political and economic changes, property prices move gradually, making it a more predictable investment.

Key points:

  • Lower day-to-day volatility
    • Real estate values don’t fluctuate dramatically as stock prices do.
    • Offers peace of mind for conservative investors.
  • Reduced exposure to speculation
    • Property markets tend to be steadier and less affected by short-term news cycles.
    • Suitable for investors focused on stability rather than fast gains.
  • Ideal for long-term horizons
    • Works well for individuals who prefer predictable, gradual growth over high-risk trading.

Opportunities in Emerging / High-Demand Areas

Pakistan’s expanding cities and ongoing infrastructure development create promising opportunities for high returns, especially for early investors.

Key points:

  • Urban expansion drives demand
    • Development of new housing schemes and commercial hubs increases property values.
    • New cities and zones offer strong potential for appreciation.
  • Infrastructure-led growth
    • Roads, transport networks, and commercial activity boost nearby property values.
    • Early investment in developing areas often yields above-average gains.
  • High returns in commercial real estate
    • Shops, offices, and mixed-use spaces generally produce higher rental yields than residential units.
    • An attractive choice for investors seeking high annual income.

Property vs Other Investment Opportunities in Pakistan

best return on investment in pakistan

To understand where the best return on investment in Pakistan truly lies, it’s essential to compare major asset classes across key factors: entry cost, liquidity, risk level, expected returns, and the type of investor each option suits.

The table below summarises how real estate stacks up against the most common investment opportunities in Pakistan.

Investment Type Entry Cost Liquidity Risk Potential Return / Yield Ideal For
Stocks / Equity (via Pakistan Stock Exchange – PSX) Low (even small capital) High — easy to buy/sell High volatility, sensitive to political/economic events Historical long-term returns for equities have been high (though fluctuating) Investors with small capital, seeking liquidity and willing to take risks
Mutual Funds / ETFs Moderate (pooled investment)  Medium–High Medium risk (diversified)  Moderate returns, balanced risk-reward Investors wanting diversification without directly picking stocks
Government Bonds / Fixed Income / Savings Low–Medium Low–Medium Low risk Lower but stable returns over medium/long term  Risk-averse investors, capital preservation
Real Estate (Property) High initial capital Low — illiquid, transaction time is long  Medium risk (documentation, market slowdown, liquidity) Capital appreciation + rental yield; long-term value & hedge against inflation  Investors with sufficient capital and a long-term horizon, those seeking passive income and asset security

This was all about the best return on investment options in Pakistan. For more information on relevant topics such as best investment opportunities in Pakistan, and what are the best stocks to invest in Pakistan, visit Chakor Ventures. 

FAQs | Best Return on Investment in Pakistan

Which investment is best for high returns in Pakistan?

Among all the best return on investment in Pakistan options, real estate often offers the most stable and high long-term returns.

How to get 10,000 monthly income?

You can achieve this through rental income, high-yield savings certificates, or dividend-paying investments which offer the best return on investment in Pakistan.

What investment is 100% safe?

Government-backed instruments like National Savings Schemes are among the safest options for the best return on investment in Pakistan

What is a 50% return on investment?

It means your investment doubles in value.

Which is the highest return investment?

High-growth real estate and equities often deliver the highest long-term return on investment in Pakistan, though with varying levels of risk.

Is 50% ROI possible?

Yes, but typically, only high-risk investments or rapidly appreciating real estate markets offer the best return on investment in Pakistan.

Is a 30% return on investment good?

Yes, 30% is an excellent return in most markets, including Pakistan.

How to make 30% return?

High-growth stocks or emerging real estate projects may deliver 30% best return on investment in Pakistan under favourable market conditions.

Is 40% return on investment good?

Yes, a 40% ROI is exceptional and is usually associated with high-risk or high-growth opportunities.

Which type of investment gives the highest return?

Equities and real estate historically offer the highest long-term best return on investment in Pakistan.

Is 20% return possible? Best return on investment in Pakistan.

Yes, 20% best return on investment in Pakistan is achievable in strong stock markets or rapidly growing real estate sectors.