InvestKaar The Unlucky Rich Man
KSE-100 · Monthly SIP

The Unlucky Rich Man

He started investing at the exact top — the worst possible day. The market crashed. He felt like the unluckiest person alive. So why did he still end up rich? Pick any peak in PSX history and see.

The hero — you bought at the top. Then what?
Pick the peak you "unluckily" started at
Illustrative — what the pile pays yearly
% per year
Har saal SIP itne % barhao — salary barhti hai, toh SIP bhi. 12 mahine baad har saal step-up.
Started at the May 2017 peak · kept going
Rs 39.3L
Profit
Rs 28.1L
Yearly dividend (~10%), monthly
Rs 32,800/mo
at 10% yield
Age (start → now)
25 → 34
You put in
11.2L
Units bought
22.2
Avg buy level
40k
Why he wasn't unlucky: he bought "at the top," yet his average cost landed near 40k — because the dead, scary years after the peak were his discount window, when a fixed 10k stacked cheap units. The crash he feared is the exact reason he got rich. That's the secret — and it works at every peak above.
The pitch — same 500k, three different roads
Part 2 · Gohar's kids

The head start

Gohar started at 25 and waits till 45 for his money to matter. His kids won't have to. He is paying the "freedom fee" for them in advance — a small amount every month, starting today.

What is a SIP?A Systematic Investment Plan. The same amount, on the same date, every month — whatever the market is doing.
Why no timing?You never have to pick the "right" day. When prices fall, the same rupees buy more units. That's how Gohar won.
Why automatic?It runs before fear or excitement can stop it. For a child, time does the heavy lifting — not you.
1 · What a small monthly amount becomes
Same as hand-over = SIP runs every year
Raise the SIP once a year, like a salary
Pakistan's long-run average, to show today's value
At age 25, your child has
—
You put in
—
Market added
—
Multiple
—
In today's money
—
Even if returns disappoint
2 · Which way in — fund, ETF or direct stocks?
Mutual fund
What the fund charges every year — good year or bad
0 = same as the market · negative = it trails
Investment return (assumed)—
Fund manager earns (assumed)—
Minus expense ratio—
Your child gets—
—
at age 25
Costs—
Share of the pot—
ETF
Tracks the top 15–20 big stocks
Investment return (assumed)—
ETF earnssame as the market — it just copies it—
Minus expense ratio—
Your child gets—
—
at age 25
Costs—
Share of the pot—
Direct stocks
Broker commission + levies, paid once when you buy
−3 = your stocks grow 3% a year slower than the market. 0 = they match it.
Investment return (assumed)—
Your picks earn (assumed)—
Minus yearly feesnone — you own the shares yourself0%
Your child gets—
—
at age 25
Costs—
Share of the pot—
3 · The head start — same SIP, two lives
From his own salary, after hand-over
Raise it once a year, like a salary
The rules to pick a company for 20 years
  1. Survivors only.Listed for 10+ years. No IPOs, no new stories. We need a history of surviving Pakistan's crises.
  2. Makes money, year after year.Profitable before tax in at least 4 of the last 5 years.
  3. Shares the money.Paid a dividend in at least 6 of the last 10 years — this shows the company's intention towards its shareholders. We put every dividend back into the same company.
  4. Earns more than its money costs.Return on capital above the cost of capital, backed by real cash coming in — not just paper profit.
  5. Don't overpay.If a stock gets too expensive against its own 10-year PE ratio history, pause buying it. Never sell just because of price.
  6. Sell only if the business has meaningfully changed on fundamentals.A falling price is not a reason to sell. A business that has changed for the worse is.
InvestKaar · Data: KSE-100 month-end, May 1994 – Aug 2026 · For education, not investment advice. Projections assume a steady return; real markets are bumpy (see Part 1).
Assumes the index keeps making new highs over the long run. If you don't believe that, don't buy the index at all.