Committees (ROSCAs) are deeply woven into Pakistan's financial culture. But with modern mutual funds becoming increasingly accessible, which path actually builds more wealth?
How Committees Work
10-20 people each contribute a fixed amount monthly. Each month, one member gets the entire pool. You put in the same total you take out — zero financial return.
The Verdict
Use committees for short-term goals (wedding fund, Eid shopping) and mutual funds for long-term wealth building (retirement, education, home down payment). WealthPath helps you track both.