The short answer
To decide whether to sell or hold a plot, compare its expected yearly growth, minus holding costs, with the return your money could earn elsewhere. If the forward return is below that target, selling and reinvesting is likely better; if it is well above, it may be worth buying more.
How each plot is ranked
- Past return — the compound yearly gain since purchase, after holding costs.
- Forward return — expected growth minus holding costs as a share of today’s value.
- Action — Buy more if the forward return is at least 3 points above your target, Hold if it meets the target, Sell if it falls short.
The past return tells you how well you bought; only the forward return should decide what to do next.
What changes a plot’s outlook
Possession, development work, approvals and new road links tend to move prices in stages. See our ranking of growth areas in Islamabad–Rawalpindi.
How to use the portfolio ranker
- 1Set your target return — what your money earns elsewhere.
- 2Add each plot with its purchase price, value today, years held, yearly cost and expected growth.
- 3Read the buy more / hold / sell recommendation for each.
Frequently asked questions
+When should I sell a plot?
When its expected future growth, after holding costs, is below what the money could safely earn elsewhere — regardless of how much it has already gained.
+What holding costs does a plot have?
Instalments or development charges, society maintenance, property tax and the opportunity cost of the money tied up.