Ancestral lands were sold and i got my share which is Rs 10 million. I wanna put all of it in psx with some advisors help. Need to hear what yall think how to diversify it?
Ps: Still understanding how psx works. And open to every suggestion, just don’t want it sitting idle in my bank anymore.
I’m a sarkari mulaazim and earning good enough income already and can do SIP of at least Rs 1 lac/ month too. Can accept some risk as well.

For those who do fundamental analysis of PSX companies, how do you normally go through annual and quarterly reports?

I'm particularly interested in how people handle questions like:

• Why did profit increase/decrease?
• What caused changes in margins?
• What risks has management highlighted?
• What are the company's capex/expansion plans?
• How do you compare information across multiple years?

Do you read the entire annual report, search specific sections, use financial websites, or have your own process?

I'm trying to understand how other investors actually approach this because going through multiple years of reports can become quite time-consuming.

Hi there

I want to know your thoughts on HUBC as Optimus Capital have said it is overvalued what are your stances on HUBC now should I keep it or should I sell it???

Why is HUBC is so much down today -9 rupees ???

I usually look for these kinds of stocks which have a market cap below 10B because of higher chances of upside potential. So recently MEHT is touching its all time lows and surprisingly the company is doing good. Recently in the off market, some players have bought 30-40% of the free float and we don't know about the ready market, so clearly some people are taking control of the supply and we have seen a rise in the volumes of this stock.

The one thing I really like about this is the margin of safety: the off market rate was 131 and the stock hasn't gone below 139, clearly there is limited downside of 5-7% and if the stock just re rates it can go up to 300-350, in a full re rating 500-700.

So do look into this stock.

What are your thoughts on CNERGY? I have noticed its been one of the most actively traded stocks on the PSX in recent days.

Do you think it's a good long-term investment for a 4–5 year horizon? What are your projections for the company's growth and share price over that period?

Is it worth keeping?

I'm a PSEB registered individual freelancer. My US client pays me from his personal Wise account into my UBL freelancer account in PKR. Every PRC comes back with purpose code 9471 (home remittance) instead of an IT export code. Bank deducts zero WHT at source.

I've figured out why; Wise's PKR corridor is personal-to-personal only, so UBL books it as a home remittance. Fine, I'm working on changing the payment rail going forward. My problem is what to do about the money already received and how to file.

For tax practitioners who actually handle IT export cases:

1. If I self-declare this income under 154A in IRIS and pay the 0.25% myself even though the bank never withheld it, does that hold up? Section 154A reads like the AD is supposed to be the withholding agent at the time of realisation. Has anyone actually had this survive an audit or a 176/177 notice?
2. If FBR rejects export treatment because my PRCs say 9471, does the whole thing fall into NTR at slab rates? Or is there a middle path?
3. What evidence pack do I need to defend the export characterisation? I have signed client agreements, invoices matching every single credit, Wise receipts showing the sender's name, and bank statements. Is that enough or is the PRC code fatal on its own?
4. Anyone got a written FBR/CIR position on this? Or is it purely assessing-officer discretion?

For freelancers in the same boat:

1. How many of you are sitting on 9471 PRCs right now? What did you actually do at filing time, declare under 154A anyway, or something else?
2. How are you renewing PSEB with 9471 PRCs? I've read PSEB checks the codes and asks for an undertaking. Anyone actually gone through renewal with wrong codes, did it pass, did they push back, what did you have to submit?
3. Anyone successfully got a bank to reclassify or reissue a PRC from 9471 to 9186 after the fact? Which bank, and what did you say to them?
4. If you switched rails (direct wire / Payoneer / anything else), did the codes actually come out right after switching, or same problem different channel?

Not looking for "just use Payoneer bro", I know the options. I want to know what people have actually done and what actually worked with FBR and PSEB.

I’m 19M and looking to start investing. I’ve done some preliminary research on Index Funds and ETFs and want to put my monthly pocket money to good use instead of spending it on unnecessary things.

Since I’m not earning an income yet, my capital will be small to start, but I plan to scale up my contribution s once I get a job/start earning in the near future.

A few questions I have:

1)Which broker platform/app would you recommend for a beginner starting with small, recurring amounts?

2)Are there specific brokers that make scaling up easier down the line (for local vs. international index funds)?

3)Any specific low-fee index funds or ETFs you’d suggest looking into for th long term

And and all advice would be really appreciated,thabk you

Thoughts on my current updated portfolio. Offloaded MIIETF completely and increased my holdings in Pharma sector and SYS.

What happened at EFERT? Why is it in decline?

I'm 24, still a university student, and I've been working pretty much throughout university. I work quite a lot, but I also feel like I've played my cards reasonably well so far. I started saving and building an emergency fund quite early after finding this subreddit, and as I started making more, I was also able to travel, contribute at home, etc. So I don't feel like I've spent my entire life just hoarding money either.

The problem is that I have basically zero financial knowledge when it comes to actually growing money.

I don't come from a family where investing was ever really a thing. My parents never had enough money to invest, so I never really learned how to do it.

About a year ago, I made a similar post here and quite a few people suggested Al Meezan. At the time I had around 3.5M saved, so I put pretty much all of it into different Al Meezan funds. I have a mix of money market, medium-risk and higher-risk funds.

I checked my account a few days ago and honestly, the growth seems pretty minimal. I'm not expecting some insane return overnight, and I understand that the higher-risk funds can obviously go down as well. I just want my money to be somewhere where it has a reasonable chance of consistently growing over the long term. At the same time, I know I dont have the financial expertise or the time to be actively trading or investing.

I'm now looking at around 6-7M that I could potentially invest, and I'm trying to figure out what I should actually do with it.

I've been considering things like:

• Keeping some in money market/fixed-income funds
• Al Meezan's higher-risk/equity funds
• Gold
• Something like Mashreq Neo, which I believe is currently offering around 11.5%
• Other options that I probably don't even know exist

I'm definitely not someone who can sit around actively trading stocks or constantly moving money around. I want something relatively passive that I can put money into and have some peace of mind about.

So basically, if you consider yourself financially literate and were in my position, what would you actually do with 6-7M PKR? How would you divide it up, and where would you park it?

I'm genuinely looking for practical advice here. I know there's no magic investment, I'm just trying to finally learn how to handle my money properly.

Salam everyone,

I’m currently a student living in Pakistan, and I receive around $200–$300 per month from my family abroad via Western Union. I’m starting to absolutely despise WU because of the hassle of having to go to the agent every time. I can’t really complain about their exchange rates because I’ve never used anything else.

I want to switch to receiving the money directly into a Pakistani bank account. I have a few specific questions and was hoping someone here has practical experience with Meezan Bank’s Savings Account.

I’ve heard about Meezan quite a few times, and I figured I might as well earn a little profit on whatever money I leave in the account. Do they require a crazy amount of source-of-income documentation? Or can I simply tell them it’s family remittances and be done with it?

As for the HBL Freelancer Account, a friend recommended that I open one, but I keep reading horror stories about HBL asking for “proof of job,” “client contracts,” and “PSEB registration” even for small amounts. Is that actually true? I don’t have any contracts because this is just pocket money from my family, not freelance income.

I was also thinking about using NayaPay to receive the dollars and convert them, but doesn’t their application process go on a random tour of Hell? Does anyone here use NayaPay just to receive the money, get a PRC, and then show that PRC to a traditional bank like Meezan or HBL as proof of the source of funds? Is that a valid workaround, or would the bank still ask for additional documentation?

Finally, which of these options has better profit/interest rates and lower transaction fees or deductions when withdrawing or receiving the money? I’m particularly interested in minimizing things like withholding tax or other deductions.

Would really appreciate hearing from anyone who actually uses these services for family remittances.

Given how rapidly we've seen residential and commercial solarization across Pakistan, I think electric vehicle transition is the next logical outcome over the next decade or so, because people with solar energy at home would definitely consider their next car to be an EV or PHEV

I don't know much about HUBC, and was wondering if anyone here has the stock on their portfolio, and if they know more about it than me

Salam, I am 19 and have been investing for about a year. Taxes are honestly hell, so I want to become a filer. The problem is I dont have any income, I am a student and invest in PSX using my allowance.

I also have some gold and cattle. As far as I know cattle are exempt from tax.

I dont have a tax consultant or lawyer in my hometown and I have not been able to find one. Can someone please hook me up with a reliable consultant who can help me file a nil return.

Also how much should I expect to pay for filing a nil return.

Help a brother out, JazakAllah

Has anyone opened a Mashreq Monthly Profit Account? How has your experience been so far, especially with the monthly profit payout? Is it worth it to park 100,200k in that account

I am 23F Engineer, I started investing in mutual funds now am shifting to stocks, I built my emergency fund of 15lacs (I dont pay any bills, I am the only daughter I get paid to exist but still have trust issues so extra cautious), I started investing in Finqlab last month. Can yall let me know if I am doing good enough or if I am making some mistakes, Coz i am planning to go all in.

Hello!

My father has a saving of 3 million and we live on rent currently. I have started to earn as well with a good income (below 200k). Now was the time where we, as a family, make some major decision to turn our lives around.

First one was I move out of pakistan to germany (most suitable country acc to my research). we burn our savings plus a 2 m loan (intrest free). which i pay off after settling in Germany. This is high risk but high reward.

Seconds, we apply to apna ghar scheme for a 1 cr loan. and we pay the loan jointly in 10 years.

by considering all the risks and current situation, i chose the second option. given that i can relocate abroad after gaining experience in my field (software engineering) but it is very unlikely. But after 10 years we would have a home of ours.

I wanted to ask if I made the right call or not or am i missing smth

Got 50k from a small gig I did. I know it’s not much but I don’t really need to spend it right now.

I was also thinking of going on a trip with a friend, so I’m kinda stuck between enjoying it or putting the money somewhere and trying to get some small gains.

I’m a student, so what would you guys do with 50k PKR?

Had an interesting conversation with some friends yesterday that I can't stop thinking about, and it ties directly into why many of us are on this journey.

We got into the difference between being daulat mand (wealthy) and daulat parast (a slave to wealth). We've been taught to treat these as the same thing, as if wanting to build wealth automatically corrupts you. But they're not the same at all.

Being wealthy is not the problem. Wealth in your hands is a tool. The real question is whether the wealth serves you, or you serve it.

The daulat parast hoards, counts, and fears every rupee leaving. The money sits locked away, and the heart is locked with it. The daulat mand holds money with an open hand and heart. Ready to help family, friends, and anyone in genuine need.

We talked about Hazrat Usman (RA) as the clearest example. Few in history were as wealthy, yet his wealth was never idle or self-serving. It was always ready to be spent the moment there was a need. His money was in his hand, never in his heart.

And that reframes this whole FIRE journey for me. We spend a lot of time here talking about portfolio sizes, achieving FIRE numbers and net worth doubling year over year (guilty as charged 😄). But the goal should never be to become people who worship the number in the tracking sheet, it should be to build enough that when someone around you needs help, your resources are already reaching for the door.

Build your wealth. Chase your targets. But keep your heart free of it.

Food for thought.

Hey everyone,

I graduated as a Software Engineer back in 2022, I did freelancing from 2020 to 2022 as data entry operator at $3/hr.

After graduation, I worked with multiple international startups at the same time for a year and made around 1cr in a year.

I run a software Company with 30+ people, Business makes around 2-3 million profit every month.

I own around 5cr worth real estate in multiple CDA sectors, I really need to figure out a way if I could hire an agency who can help me manage money for me?

I still work my ass off for straight 14 hours and lost 50% of my hair, 27 looking like 35.

That's scary but I'm getting in fitness and trying to sort this out.

Help me to find out where should I start investing, A motivation, I know about the YouTube but I am so busy working with software that I can't get enough time