Own a Car, Keep Cash, and Make Money: The Ultimate Financial Strategy

[@Sarmaayapk]

To get a financial education. Register for Sarmaaya Trainings below Capital Market Fundamentals Trainer :- Ammar Yaseen Duration :- 12 weeks Pricing :- 600 USD or 225 USD (in three installment) (converted to PKR) Focus area:- Stocks, mutual funds, gold, and macroeconomics Outcome:- Helps you build wealth passively while investing in stock market and mutual funds URL :- sarmaaya.pk/trainings/fundamentals-capital-market Technical Analysis Masterclass Trainer :- Syed Muahmmad Faraz Duration :- 16 weeks Pricing :- 800 USD or 225 USD (in four installment) (converted to PKR) Focus area:- Any tradable asset like (Stocks , crypto , forex , commodites or any asset which got a chart) Outcome:- Helps you in making best possible entry or exit with proper risk management. Can benefit from day trading or even making long term investment URL :- sarmaaya.pk/trainings/technical-analysis-masterclass

[@zohaibismailkhan7464]

Its a great effort you guys are doing for the betterment of our country. This is the real value addition to the society. Highly appreciate you guys

[@sciono-d3j]

First of all, you're doing an excellent job providing financial knowledge and motivation! I’m writing this to support your idea because it truly works. I applied the same approach when I bought my first car.

[@bashairobaid6582]

Ek baat mujhe aapki bahut pasand hai ki aap genius hone ke sath sath positive Hain❤❤❤

[@mazahirali]

This is pure gold. You are doing a great job Laeeq bhai. Allah Bless you.

[@nabeelbutt638]

Installment kasay pay Karen gay agar compounding Karen gay to aur agar installment pay Karen gay return say to phr b calculate kar Kay bta dain

[@fraggerlagger7339]

Overall good strategy for Financing a Car but there is a False Assumption of Fixed Rate Return for Low Risk Mutual Fund which can fluctuate based on Policy Rate it can be as down as in Single digits.

[@supremeog6754]

Low risk in terms of capital preservation.

[@sikandarmaqbool5514]

Lease interest is always expensive then low risk mutual fund and 15 percent govt tax

[@pieceszone632]

Dear Laique sab meray pass 15 lakh Hain app masheara do gold lun ya mutual fund main invest karon aur Kon say mutual fund main invest karo ? Aur agar apka Whatsapp no mil jaye 😊

[@rehanjawaid]

Low risk fund(12%) ki compounding k baad bhi 15% k loan cost ko beat kea Hy ...... Mutual stock fund will give more comparative gains

[@arhamqureshi813]

i am following you from 3 years and its amazing platform by the way.

[@HussainKamran-u8c]

No.how can I give instalment 😊when I got compounding😊😊

[@saad_malik]

After reading the comments, it seems that what Laeeq Bhai might have missed is mentioning a consistent primary source of income to cover the rent. Ultimately, the interest paid would likely be less than the returns generated from the investment in funds.

[@ejazhussain8511]

ماشاءاللہ بہت اچھی وڈیو بنائی اور اس سے کافی سیکھنے کا موقع ملا۔ ❤🎉

[@MohsinRaza-ks4cv]

dunya o akhirat ki kamyabiyan naseeb hon apko. ameen

[@alibintariq8509]

When we invest the remaining amount( after paying the down payment) in stocks, how are we going to pay the monthly installments of the car?

[@devmoatassem]

You must have enough continuous source of income in the form of salary or something else that gives enough room to pay the installments along with your whole running expenses. Also you should not buy the car to upgrade lifestyle if you're not earning at least 200k per month and you have a family too. 200k for Alto, for more expensive cars it should be more. In other case if you need car for your work and rentals costs you more than 60-70% of what will be the installment of car, then you should buy it. That's what we call financial literacy which makes you rich in shorter span than what people usually achieve in generations. Also all of above is my own personal rules and scenarios.

[@syedasadaf801]

My point of view is also same invest few amount in funds generating plus car too alhumdulilah I'm happy after listening that I'm having a financial knowledge thabks for your valuable videos

[@kananasim8145]

behtreen laeeq bhai 1 example aur den jismen down payment de ke property b bna li jaye aur investment b grow hoti rahe.

[@adeelrazaq184]

I think sharing personal experience will do. AND Laeeq bhai aqal ma baat b aa gyi ha aj. Thank you

[@AhsanAli-nr5wm]

This strategy is destructive

[@Hnj244]

Exactly financial education lack kr rhe hai in bhaiya ki theoretical baat kr rhy na k practical just promoting and marketing krne k liye kuch b

[@giftspile]

Inthai respect k Sath .. Installment Kahan say aye ge?

[@So_soothingrelaxation]

@@giftspile Good question

[@saad_malik]

Jahan say etni investment ai hai… your primary source of earning 😬

[@rajozajo4048]

Behtreen boss 👍

[@KK-jc9jb]

Great to see such figure your chanel is giving knowledge to nonprofesional ppl.

[@sohailnawaz8742]

@sarmaya mutual fund mai khuch amc ky yearly return 20 percent apne dekhaye ky is mai invest krain aisi companies b hain udhr jin ka yearly return -100 percent hai mtlb apne 7 saal mai jo invest krty gaye wo sab khtm jaisy habib pension fund ky yearly return -100 hai is ky bary please guide kr dain

[@Mianwaheedoffical786]

Very good information sir

[@SarfarazKhan-f4m]

Bhot he ala sir❤❤❤❤

[@irfanalam3715]

God bless you dear always!

[@tanveerbashir1145]

Remaining amount invest kar di to instalment kese pay ho gi

[@abdullbari41]

I needed this, thank you

[@ChHamzaAbbas123]

Installment kesay Pay Karay Ga wo shaks Jo Advance bhi de Chuka or Investment Bhi Kindly Explain sir

[@wahajhussain668]

Sir CGT tax on profit apnay ignore kr dia hai.

[@sikandercentral]

he is showing the importance of cash holding, but u r right at some extent thank you

[@maheenhaque1982]

What about the monthly rental car payment to be done from invested money?

[@lawzimtv1604]

Love you sir for such a fair and clean handed case study sharing.

[@RizwanButt-z8c]

Great👍❤❤❤

[@deliveryounass649]

Real face of Pakistan Good information bro

[@adilkhan-yr5pd]

Sir house leasing on behalf of bank sa related bi video baney Islamic financing not conventional financing

[@abdulhannankhan4342]

Stocks vs Mutual Funds (Low Risks) make a video or link please?

[@Alpha-Pak]

Simply incredible 😮😮😮

[@adilshakeel6493]

Please sir Make a video on stock market for beginners from zero to 1 and how to select broker and how open account, and live investments strategies

[@TravelerMindsetVlog]

Yes please make a video on this topic @sarmaaya

[@umairali4153]

Mind Blown

[@saudahmed8275]

Very good plan

[@waqarshah2265]

Bhai jaan millions time thanks for guidance...❤❤❤

[@dsc-vlogs867]

Mutual funds ke Compounding tab ho gi sir jab instalment nahe Dene na paray

[@Saif.islam30]

Knowledge is important. If you know how to make profit and do investments and business then you can go for it, if not then you should buy it on cash, as going for financing is very risky as told in video.

[@_mani]

Thanks for sharing, you're amazing

[@AkhtarAbbas-f5v]

Good ❤❤❤❤❤❤❤

[@ShahzadSadiq-w2o]

Bohat acha Kam kar rahey hain mojey son kar Samaj kar bohat acha Laga

[@rasoolbux2643]

Why didn't you factor principal amount payment in second slide of comparison?

[@abdulwaliabdulwali-s7t]

Weldon Sir... Good Work

[@Abdullah-vw6fx]

which course?

[@ziacheema2899]

بہت خوب ❤

[@AbuBkr-t7r]

Sir learning krna chahen tto kesy Karen?

[@MrSyedshakeelahmed]

Sir, Excellent video

[@abdullahfarooq600]

Excellent information

[@falahahmed9584]

Awesome Video again , about the question i think BHENS bari hai .

[@muhammedakram9487]

Great achievement with Luck and knowledge how can i get financial course online

[@unknown-v5d6h]

Filhaal tou bhens hi bari laag rahi kun keh majority ppl in Pakistan don't 60 lacs or 1 crores in their savings to purchase alto or any other cars and plus if even they take a risk they will get a heart attack on their first 40% to 50% Dip, because poorer middle class in Pakistan don't have easy money jobs, as you already knew it takes so many years to save their first few lacs even with their 60k to 80k or even with 1 lac salaries per month. So Idk whole will put their all stakes in 2 or 3 basket's of high risk, my belief's are that there is nothing like "Low Risk"! The Risk terms are very very clear is a "Risk or No Risk", as we all know that No Risk is Fixed Deposits But still if the bank goes bankrupt, then it's not even called a low Risk its still called RISK OR NO RISK! Respect For You Brother From Core Of My Heart ❤️ Brilliant Efforts Are Done ✅ By You😊

[@RamizKhan-v1i]

Disagree with some of our points regarding car financing from banks.As in islamic car financing rate is not fixed for years,it is half yearly after that whatever the current interest rate is follwed for the next 6 months,and banks have some hidden charges too that they add up in monthly installments,which they did not tell people in the schedule or at the time of giving estimated calculation.But your point for investment is very authentic as mostly business persons did not buy cars on cash for thenselves or their employees they took it from banks.because it would effect their capital.Hence they invest that money somewhere else and get profit.

[@waseembrandworld]

Investment kaha kare?

[@imrankazmi7034]

Sir tab prices bi to increase karain gi na 5 sal bad

[@billag6494]

Laeeq bhie agar mutual fund ka profit sa ma gare ke installments bharo bher to gare free he ho gye mara lya.

[@amin7947]

How can u get same profit every month in mutul funds your rate of proft is fix for 5 years how come. Plus when paying mothly rental and down payment capital and profit will also decrease . Plus aap na fix cost to calculate kar lei but insurance and other charges will also apply. Please explain Thanks

[@IjazAhmed-iq9pp]

Excellent !

[@saeedrehmani156]

Good information sir

[@Faza-585]

If we are not buying car for personal use we can also generate rental income by renting the car so its a win win situation

[@iamlaeeqahmad]

Not a bad idea.

[@menudesign-jo9vq]

MOST VALUABLE CHANNLE IN PAKISTAN

[@Saighanees]

sary psy invest krdngy or phir kiston k psy kahn sy aingy

[@frankk6243]

installment tou monthly deni hai na :/

[@shamatradersbuffmanufactur6549]

آج کی تاریخ میں بُہت آسان ہوتا ھے کہنا 10 سال پہلے یہ شیئر لیتے تو آپکو اِتنا نفع ہوتا

[@muhammadarsalan731]

Thanks

[@AbdulSamad141]

there is something wrong with calculation 58,405 * 12 = 700860 but in chart you wrote 617,752 please clarify this

[@awyshykh5961]

Ye idea maine bohut phle se socha hua lekin ismai installement kese pay hogi Har mahinay share sale krke thori installement bharenge tou piche kya bachega ? Sirf isi wajah se ye flop idea ha!

[@asifm9434]

Installment amount kaha sai ayee gee?

[@hydra69gaming29]

SAME QUESTION

[@Kashifkhan-gg2um]

Good 👍

[@arshanahmed175]

I really appreciate your effort, but you have ignored a very important factor, the investment amount will be reduced gradually as the car financing installments will be repaid from it.

[@hasansheikh7277]

And that is financial ignorance while planning something big

[@poetrylover1294]

And one more thing you also paid every year cgt

[@Hnj244]

And the loan is kibor+2-3% atleast which is on whole amount and the installment doesn't reduces it either remains same or increases because they make a 5year or whatsoever tenure plan not a reducing balance plan so it fails

[@hasansheikh7277]

I think time to remove this video and rework low risk MF calculations and payment of each Installment amount from it and CGT balancing...

[@abdulrehmandhuddizada4427]

Very nice

[@Muhammadasif-sr4iw]

I dont know why people asking silly question of paying installment from the investment amount. Bhai jan jub ap gari instalment pe nkl rhe hain to it means you have the ability to bear its instalment as well.

[@civilengineersalutions2053]

Any group i want to join

[@fahadshahzad5306]

Agar kisi ka pass sirf 100k ho or wo invest be karna chata ho and car be lena chata hoo tou kia kare??

[@bilalmasood5378]

In the current time, can you share any mutual fund which will give 12% for the next five years? I think no one can predict the returns in mutual fund. Sometime it out performed and sometime under. But the cost which you have to pay bank for car financing will remain the same regardless of market condition. So I think people like you who know the markets in full can take this type of risks

[@MyImx]

CASH IS NOT KING CASH IS DEBT

[@aqibchaudhary96]

15% interest instalment pa every month but 15% profit once in a year how can u compare that

[@mosamashahzad]

Bhai 15% tax bhi minus krloo compounding sy pehley.... Or interest rates bhi single digit mein ley aao... phr calculate kro.

[@razabhai9870]

ماشاءاللہ ❤

[@touseefahmed2054]

Just one question... If someone bounds his money in a mutual fund, compounds or buys a stock, and holds it for a specified time (equal to a car loan), how will he pay the monthly installments of the car loan? If that was his total saving? This issue is not addressed in the video.. Feedback will be appreciated

[@voiceofislam5477]

great

[@HelpEvri1]

It could work if you have around 5 million + Financial knowledge + experience. Then you can go for 29 Lac car, pay down payment and invest around 4 M. It might not be as Rosey but certainly works. Laeeq Bhai ka style bara mazay ka hai. Yeh egg khanay k bajaay main jama karta hoon, saal main 360 eggs ho jain gaay. Har mahhenay un par baith kar bachaay nikaloun ga, har month 30 bachay ho gaay. next month wo b anday dain gi. Har taraf chicken he chicken aur eggs he eggs. Ya Allah itna paisa ab main kea karoun aur 365 eggs bhi hain, 2 kanal ka ghar lea 500 chicken sell kar k. 😅😅😅😅

[@ammaryasir5064]

UN ando ka amlete bnao ga bread k Sath. Phir bread ki factory bhi kholunga. Andon ka raja bread ka shenshah Bajaj hamara Bajaj 😄😄😄

[@yasirkhan3581]

Agar aap 20 lac mutual funds mai daal dae tou ap na os ka profit tou niqalna hoga bank kou car loan wapsi ka lea tou wo kaha sy compound hoga.. 240000 tou ap na daina hai jo profit ayya hai on mutual funds. Tou investment tou phir 20 lac pa chali jae ge.. in mutual funds

[@abdullahkhalid1083]

Laeq bhai picture Alto ki jaga kam sy kam Forture ki lagaty thori motivation or ajati😂

[@abdullahazmat7693]

Low Risk Mutual Fund Return also fluctuates over time. If one keeps invested in companies that are giving a constant dividend return, then this strategy might work

[@walmikkumar6796]

Pakistan's warikoo 😅❤️

[@haroon-ur-rashid9003]

In sha Allah buhat jald apko fbr ka notice aye ga . Lolx 2nd bhai ap to ho gye kidnap ap 😂😂😂😂

[@basharatmaliktaloker1685]

لئیق بھائی آپ نے یہ تو بتایا نہیں کہ قسطیں میں کہاں سے ادا کروں گا

[@Iamahsantanveer]

Zindabad ❤

[@touqeerashraf224]

The biggest risk is not taking any risk.

[@Super_Autolavaggio]

Sarmaya logo is disturbing 😂 like puzzle

[@muhammadraza8703]

بہت زبردست باتیں بتائی ہیں لئیق صاحب آپ نے..... Much appreciated. لیکن ایک اہم بات نہیں بتائی کہ گاڑی کی ڈاؤن پیمنٹ دینے اور باقی پیسہ سٹاک میں لگانے کے بعد گاڑی کی ماہانہ قسط کہاں سے دینی ہے 😊

[@saudahmed8275]

Volume vise bhas but otherwise aqal

[@saadshakeel738]

Wrong calculation, how 22 lac compund every year ? We have to pay loan amount from this account! Also finanacial interest rate is higher than earnings interest rate , so you will always be in loss in this condition, although if we can earn more interest than finance interest rate in that case it will be a good option

[@RomilDada]

Bhai kiun galat maswarai dia rahai hoo

Shukar hai main ne sarmaya main invest nahi kia 😂😂😂

[@bashairobaid6582]

Agar aap Karachi mein hote to ek mulakat aapse jarur karta❤❤❤

[@aj33pk28]

5 saal me interest same bhi to nai rehna na Laik bhai, Lekn We get the idea