“I only have Rs. 5,000 a month. Is it even worth investing?”
The question came from a student in the third row, just minutes into our session at Lahore University of Management Sciences (LUMS), where around 70 students had gathered to learn how to start investing. Many students in the room agreed and it set the tone for everything that followed.
Many students leave university knowing complex theory but not how to begin saving. At MCB Funds, we believe financial literacy shouldn’t wait for a first paycheck, so we brought our session, How to Start Your Investment Journey, to LUMS. Our goal was simple, to show students that investing isn’t just for the wealthy or experienced people. It’s a habit anyone can build through small, consistent steps.
We kept the session practical. We explained why saving alone isn’t enough in an inflationary economy, how mutual funds work and how to match a fund to your goals and risk appetite. Above all, we highlighted the power of starting early, even with small amounts. The power of compounding ensures that even though your amounts may be smaller but by being consistent it surely builds wealth.
The response was heartening. All 70 students were curious and direct and the Q&A ran well past the session’s end. Here are the three questions that came up most:
Top 3 Questions from LUMS Students
1. Is Rs. 5,000 a month too small to start?
No. Starting early and staying consistent matters more than the amount.
2. Are there Shariah-compliant options?
Yes. Shariah-compliant funds are available for investors who prefer them.
3. Can I lose money in a mutual fund?
Yes. Returns aren’t guaranteed, which is why choosing a fund that matches your risk appetite is key. For example; being invested in Money Market aligns a steady income and chances of loss are negligible. Whereas stock funds are highly volatile in comparison. So understand your risk appetite!
Ready to start your journey? Click here now !
