Why You’re Losing Money in Pakistan (And How to Stop It) | Inflation, Real Estate vs Stocks

In this episode of Raftar Now, Farhan Mallick and Abdul Rehman Najam break down how to manage money in Pakistan during inflation, economic crisis, and rising living costs, answering key questions like how to save money in Pakistan, where to invest in Pakistan, and how to protect your salary from inflation. They also explain why most people are stuck in real estate investments tand how options like savings accounts, money market funds, and stock market investing in Pakistan can actually help you grow wealth faster than property. The discussion also covers whether the stock market is better than real estate in Pakistan, how to build an emergency fund, and why keeping money in current accounts can quietly reduce your financial growth. They connect these personal finance decisions to broader economic factors like inflation in Pakistan, rupee devaluation, and rising oil prices, while also exploring how to survive financial crisis in Pakistan and whether earning in dollars is the smartest long-term strategy for financial stability. 00:00 – Intro: Marketing in Bad Times & The Subscription Gap 03:15 – Rs. 400 Petrol: Why Mindsets are Shifting to EVs 06:45 – The 3-Pillar Framework for Money Management 10:30 – Survival Rule: Building a 2-Year Emergency Fund 14:50 – Why You Must Stop Opening Current Bank Accounts 19:20 – The Liquidity Rule: Why Property Fails in a Crisis 23:10 – The Trap of Being Asset Rich but Income Starved 27:40 – Monetary Policy: Will Interest Rates Keep Rising? 32:15 – Oil Shock Study: Lessons from 1990 and 2022 36:40 – PSX Cycles: The Path to 450,000 Points 41:10 – Real Estate & Black Money vs. The Stock Market 45:30 – Historical Returns: Property vs. PSX since 2002 50:15 – Geopolitics: US-Iran Relations & Pakistan’s Economy 54:40 – Auto Sector: Rise of Sazgar, BYD, and New Brands 58:20 – Closing: Why the Market Always Goes Up in the End #PakistanEconomy#InvestmentTips #MoneyManagement #StockMarketPakistan #RealEstateVsStock

Added 2 May 2026