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advise regarding investment for an expatriate pakistani,

(68182)
   ALAM
Wednesday, October 12, 2011 06:50 AM 
Reply: >
I need advise and valued comments from sincere Pakistani brothers for a retiring expatriate Pakistani regarding investment of around 70 lacks for some regualr income. Should one go to buy a house for rental, an agriculture land or keep insome bank scheme for regular return or what else which may provide a regular income
P.Paki replied on Wednesday, October 12, 2011 07:19 AM 

buy 1 embroidery machine of 21 lakh, give it on rent for 1 year. every month if he can run himself he can earn upto 70k, otherwise he can rent it "theka" on 30-40 thousand. rest 50 lakh he can invest in property rental or something...... i m in this business for last 7 years and can give authentic info.
MIMalik replied on Wednesday, October 12, 2011 08:02 AM 

P.Paki Sahib
I am also retired pakistani.can you please give some more information on this subject. I am located in Pindi.please send me more information at my e-mail at
Dani replied on Wednesday, October 12, 2011 08:21 AM 

Dear P.Paki sab,

I am also interested in embroidery machine setup. I want to do it from scratch. If you can kindly advise me some good information that where to start from. I will be really greatful. my email is . I am from Lahore
akhtar replied on Wednesday, October 12, 2011 08:22 AM 

embroidery machine we can buy from pakistan and delear provide the proper maintenance and training if required? please write some more?
p.paki replied on Wednesday, October 12, 2011 09:12 AM 

dear sir, we sale it on 2 years warranty. many overseas and job oriented people r doing it. we can assist in lahore only. pindi i can't do although some people r doing. but we shall not promise something out of our reach. embroidery business is best if somebody is hardworker only. rest we can guide from getting machine to getting end customer. we can promise everything. we give even cusomer who ask for embroidery from machine owners for some initial months and in that initial time factory owner understands business and does himself pretty well. raiwind road and multan road in lahore has machine almost after every 100 metre on average. only lahore has over 10000 machines and still increasing at fast pace.
Investor2137 replied on Wednesday, October 12, 2011 09:38 AM 

Dear P.Paki,

Please email more details on investor2137 (at) gmail.com. I would like to talk more business with you in Lahore
TARIQ replied on Wednesday, October 12, 2011 09:53 AM 

DEAR PAKI GOOD PROPOSAL, WHAT ABOUT LOADSHEDING,UPS,GENERATOR AND DEPRICATION OF MACHINE
P.Paki replied on Wednesday, October 12, 2011 11:43 AM 

for load shedding issue ups costs about 60-70k which runs pretty well for about 4-8 hours and it is enough. depreciation is always there but why somebody should sale it if he is working hard then 100% he will get returns. normally in embroidery people sale 1 machine after 4-5 years and it is pretty good bcoz if we buy at 20 and after 5 years sale at 6-7 lakh then total depreciation is 13 lakh after 5 years. now u multiply 70k x 60 month. and remember nobody installs 1 machine if he understands business average people have atleast 2, people own 50-60 machines as well. if somebody has set of 4 machines then he makes good money and repute both.
khan replied on Wednesday, October 12, 2011 02:33 PM 

I dont think this business will give you so much profit because of the demans and supply gap and the big reputed companies involved, and about P.Paki , i think he just wants to sell his machines thats why always advising people here on this forum about this business.

I advise all to do first your own research before falling for anything like this.
amjad replied on Wednesday, October 12, 2011 02:56 PM 

I fully agree with Mr Khan- see it is not only machine which u w get and immediately start earning- u need some kind of outlet and for that consider the key money and rent also+ in pakistan if u are strong enough then u can only enter in the market otherwise this mafia will kick out within minutes- now look at the earnings in 5 yrs if u save 30 lac and depprivation is 1y lac
Adeel replied on Wednesday, October 12, 2011 04:58 PM 

10000 machines is a big number and is increasing at a fast pace.
You need to do a good research and study before entering. Remember Bheer Chaal psyche of our society. Every would be rushing into it until it is saturated and process stalls to an extent that every body starts getting out of it.
AG replied on Wednesday, October 12, 2011 07:49 PM 

Alam Bhai as of today you can buy a 10 Marla plot in Bahria Town Lahore (Sector C) & construct 2 Nos. independent 2/3 bedroom spacious units (One each on Ground & 1st. floors)with 70 Lakhs. You will be able to rent out each unit, Inshallah, @ Rs.15 to 20 thousand per month. So you can expact a regular Hallal income of 30 to 40 thousand Rs. per month. This is a safe investment & apart from some regular income the value of the house will also increase.

If you have your own house then this income will be just sufficient for your family to lead a respectable middle class life. At the same time you can try to find out some job as per your qualification & experience.
I am also a retired expat. & know vey well what does retirement means for an expat. with no pension. You can not afford to waste/expose your life time savings to loss. Do not put your all eggs in the same basket.

Regards.
Shazaib replied on Thursday, October 13, 2011 01:21 AM 

I am in the same situation and live in Dallas, TX. Perhaps I can help you with what my investment strategy has been....

Buying a house gives you barely any return. Lets say if you get 40k/month from 70lac. That's only 7% return with a chance that house price will increase. Risk is the headache of renters, house maintenance, distance from Pakistan to do anything.

Divide this amount in 3-5 portions and then here's what you can do.
1. Buy a plot with 20lac. Please don't buy in one of the traditional societies dealers tell you to. Look for something close to center that'll only appreciate.
2. Put 30 in bank for high return (13%). This will give you 4lac first year and if left alone, it'll only go up with inflation.
3. If you know someone who is familiar with stock market, invest the rest there at a good time.

Hope some of it helps. Wish you best of luck.
AH replied on Thursday, October 13, 2011 04:39 AM 

no clear plan suggested from anyone, i am afraid if this is the situation that even having 70 lac one can not be suggested any plan then what will happen to the poors who dont have even 10 lac and in other countries like dubai althogh things are not like before but if you invest Rs 20 lac even on a barbor shop you can easily save RS 50000 after all expenses and salries of staff and you dont need to do anything but in Pakistan ...........
P.Paki replied on Thursday, October 13, 2011 03:38 PM 

@ Khan...
dear i m earning very well. my orders with supplier are booked for next 2 months. those who are doing business know better. why i will try to sell machines here? somebody asked advise and i gave it what i know. Allah knows i gave him sincere or not. u do research 1st and i challange u. i can supply you competitor suppliers and u buy from them. demand and supply rule u told me, can u tell me how many shops are there in AZAM CLOTH MARKET only? 10000 shops atleast and 1 shop of average type need atleast 4-5 machines to keep their variety. i didn't left any of my email or number because i m not interested to sell. yes i can help any1.
maqbool replied on Thursday, October 13, 2011 06:12 PM 

dear p.Paki u are mentioning 70000 earnings per month but are not mentioning the shop rent , staff salary etc and elaborate how to start , where to start and other other related details pls - thanks
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