"The biggest change isn't in your portfolio.
It's in your mindset."
— Fahim, InvestKaar member
Most people who join InvestKaar Advisory don't talk about returns. They talk about finally letting go — of the reports, the analysis, the second-guessing — and focusing on what they actually do best.
In their own words
“I know that experts are watching. All the tension is gone. That's your job to do it and my job is something else.”
Muhammad F.
Member · travels frequently for work
“Stopped thinking about today, tomorrow, next month. Started thinking about the next 10 to 15 years. Creating generational wealth.”
Fahad J.
Member · Chartered Accountant
“Their investment style is very similar to Warren Buffett's. The upside feels like a bonus — because if your downside is protected, that's what matters”
Jawad Y.
Member
“Since joining, one thing that has genuinely changed for me is the sense of awareness and structure around investments. It feels reassuring knowing there’s a team actively watching over things and sharing insights regularly instead of just investing blindly. I also appreciate the way information is communicated in a simple and understandable manner.”
“The model portfolio largely fulfilled the same need The biggest added advantage of advisory has been that I can be more confident on stocks that seem aggressive. Everything has been clear.”
Here's how we do it.
Furqan explains InvestKaar Advisory
Click to play video
What InvestKaar is
We build the portfolio. You follow it.
We research companies using a framework we've used for our own money for years. When we find something worth buying, you get a WhatsApp message — what to buy, at what price, and why. When it's time to sell, same thing. You execute on your own broker. That's it.
Once a month, we get on a Zoom call and walk you through our thinking. Not just what we did — why we did it. You also get Slack access where Furqan and Sajjad personally answer your questions every day. No junior analysts. No delegation.
Two portfolio options: Conventional and Shariah-compliant. You choose at onboarding.
The filter every stock must pass
Five questions. If any answer is no, we don't buy.
- 1. Do we understand this business?
- 2. Is it aligned with the current economic cycle?
- 3. Can we project its earnings with reasonable confidence?
- 4. Do we have anchors to track whether we're right before results?
- 5. Is the risk-adjusted return worth it?
This is how we've invested our own money. The same framework, the same discipline. We don't buy everything that's going up. We buy what we understand, at a price that makes sense, with a reason we can explain to you.
Your life after joining
The noise stops. You focus on your work. We focus on ours.
Right now, you're bombarded.
This company did this, that stock might do that, oil prices moved, someone on WhatsApp is saying buy this. And every piece of news creates one emotion: I should do something.
Inside InvestKaar, that's gone. We're the ones getting bombarded. We look at all of it and decide what actually matters — which is about 1% of it. When something needs your attention, you'll know. When it doesn't, you won't hear from us. No hyperactivity. Sukoon se solid decision making, and then sticking to it.
Your money is working. You know what you own and why you own it. And someone with 30 years of combined experience is watching over it with the same seriousness you would — if you had the time.
Our business model
How we make money — and how we don't.
InvestKaar charges a fixed annual fee. We earn nothing from your trades — no commissions, no kickbacks, no incentive to make you buy or sell more than you should. The only way this works for us is if it works for you.
We have one plan. Two pricing options.
No instalments. No hidden charges. That's it.
Who is watching your Portfolio?
Furqan Punjani
CEO & Founder · InvestKaar Advisory · 18 years in the market
Furqan has been in the stock market for 18 years — managing his own money, his family's money. But even after all of that, his extended family and friends still didn't trust the market. They had the money. They had the appetite. What they didn't have was confidence. That's when InvestKaar was born: a well-researched portfolio, built by people who've put their own wealth in the market — so others could invest with conviction.
Sajjad Hussain
Head of Strategy · InvestKaar Advisory · 12 years in the market
Sajjad jointly manages the portfolio with Furqan. Every stock decision, every member question — both are responsible. No delegation to anyone else.
Your real questions.
Our unfiltered answers.
No diplomacy. No corporate hedging. Just how we actually think.
"Someone is keeping an eye on my future."
— Muhammad Ali, InvestKaar member