Introduction
Many people believe investing requires a large capital, but the truth is that a simple, smart investment portfolio can help you cover your monthly debt payments and improve your financial situation over time—even with small starting amounts.
Steps to Build an Investment Portfolio for Debt Coverage
1. Define Your Financial Goal Clearly
Start by identifying how much you need to cover monthly (for example, $250) and set a realistic timeline. This determines what kind of assets you should invest in.
2. Start with Low-Risk Investment Options
Choose tools like money market funds or Murabaha funds, which provide stable returns and are ideal for beginners seeking predictable income.
3. Invest in Dividend-Paying Stocks
Look for stable Saudi companies that pay regular dividends, such as banks or telecom firms. These payouts can help offset part of your monthly debt.
4. Allocate a Small Portion for Long-Term Growth
Dedicate 10–20% of your portfolio to stocks or REITs (Real Estate Investment Trusts) for sustainable long-term returns.
5. Rebalance Every Quarter
Review and adjust your portfolio every 3 months to maintain balance based on performance and market changes.
6. Use Reliable Investment Apps
Platforms like Tamra, Derayah, Mala’a, and Aseel allow you to manage and track your investments easily from your smartphone.
Final Tip
Building a simple investment portfolio doesn’t require deep expertise—it requires financial awareness and consistency. Over time, this approach can help you cover debts and move toward financial independence.
