This investment strategy 📊 is for everyone from beginner to intermediate

Hello friends, I have been asked multiple time by many on how to invest in global 🌍 markets – specially the US through my interactions on social media. I will let you know the way I invest and the reason of investing this way while living in the UAE 🇦🇪.

So, people who are following me since the time I have been uploading videos on my YouTube 📺 channel know for the fact that I always recommend any new comer (whatever their net worth is) to start with mutual funds and not directly venture into the stock market 📉 – this applies to 99% of the investors and they can grow and learn the skills for investing in stock market over time.

There are various reasons for this methodology which I have already discussed in many videos before. For one, any new investor 🤑 will be overwhelmed and tend to make mistakes out of FOMO! This is the main reason I do a set investing strategy which involves investing on monthly basis and topping up slightly if there is a bargain available due to temporary dip in the market. The strategy is well known as DCA (Dollar Cost Averaging).

Now – As I have grown myself from mutual funds to direct stocks in Pakistan 🇵🇰 market – I feel I dont have the time ⌛️ & energy ⚡️ to analyze yet for US or global stock as I implement much required due diligence before investing. For that mater, I would invest in ETFs (Exchange Traded Funds) [You might understand from this video in Pakistan context] and other indirect methods.

Can you imagine taking exposure into a global company like Facebook would have set you backwards 47% in value just within last 6 month while the index was down only 4%? – New investor will always get trapped in FOMO and almost certainly will take the loss and will never return to stock market.

Also, investing in such products cost very high transaction fee where usually the funds💰are required to be transferred to the US brokerage account which amounts to somewhere between 30 to 70 USD per transaction depending on which banking service you use. This gives cold feet 🥶 (to me at least) as I am a proponent of DCA for which if I have to transfer 500-1500 USD every month, it will attract a lot of banking fees (5-10% for a lower amount).

This problem is addressed by a robo-advisor company called SARWA based in the UAE. For people within UAE, the company has local bank accounts 🏦 where the funds are transferred without additional transaction cost. Even for other GCC countries, the fee is minimal or zero (depending on the banking service you choose.) For international investors, the banks might charge the transaction fees 😕 – which needs to be checked before initiating the process.

If you are in Pakistan, the odds are against you – as the latest guidelines from SARWA confirms that the transfer of funds need to be made from the bank account of investor – which prevents most of the resident Pakistanis to invest as government prevents outflow of funds for such purposes – or at least makes it very difficult.

Having said that – this write up and upcoming video will explain the process of how investments are made by companies like SARWA so you get educated and think about whatever diversification is available at your disposal.

Here is a typical breakdown of how the investment being done in a high risk portfolio in SARWA:

This is how I invest into the platform as well – at max risk ⚠️. The reason I choose the max risk is that I already have my bulk of portfolio in cash properties which are considered safest investment – moreover, while trying to grasp what markets have to offer me, I need to understand in a comprehensive way and take exposure for the riskier investments I am doing.

You can choose your risk profile according to your long term goals PLUS, there is an option to add Bitcoin 🪙 into your portfolio (5%) – which will slightly reduce the share of equity markets – however, adding Bitcoin will increase your minimum investment threshold from $5 to $2500.

I will explain this further in video format which hopefully I will be uploading within 1-2 days.

If you are interested in opening the account with SARWA, you can use my referral link which will enable you to earn $50 as welcome bonus once you fund the account: ✅ https://bit.ly/Sarwa-Wali

Grow yourself slowly but sustainably – REMEMBER, slow is the new fast in investment!

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KEEP HUSTLING!