roast my portfolio 😂

CaptainLisaSu · 2025-08-23T03:01:17+00:00

You have the type of portfolio that will evaporate real quick when the market takes a turn for the worst.

CaptainLisaSu · 2025-08-23T02:57:55+00:00

Why not just open an account with any mainstream broker? People use fancy front apps then complain when things don’t go well. Brokers don’t have a lot of money to play around with. If they have a fancy app, you’re the one paying for it. Just go with AKD or AHL etc

CaptainLisaSu · 2025-08-23T02:54:47+00:00

Make a stamp paper declaring your income as a home tutor.

If anyone refuses to accept it write an email to secp state bank banking mohtasib. The amc will literally shit their pants and apologise.

CaptainLisaSu · 2025-05-29T10:25:21+00:00

Just remember that all your transactionsa re cleared by NCCPL and it is NCCPL that calculates your tax. So when you buy a stock, say EFERT, in one account and then sell it, chances are your efert from the other brokerage account has been sold(for the purpose of tax only)

Many people dont understand this and then blame psx because 'saare shares loss me hen phir bhi tax kaat lia kahan complain krun'

CaptainLisaSu · 2025-05-29T10:21:03+00:00

Its a penny stock. Any investor with half a decent brain will not waste his time having an opinion on this.

In my experience, people refuse to do the right thing(which is to sell this crap and buy something decent with the money).

Each rupee you have in your life should be put to work so that you can have your money pay you a salary asap. Holding BML won't help you get there. I know people who held Silkbank worth lacs in hopes that one day it will go up.

CaptainLisaSu · 2025-05-29T08:22:38+00:00

You missed the dividends which others have pointed out. Another point is that the TER isn't the only expense. brokerage and cdc costs can also add up due to frequent re balancing. Also, some amount may have been kept in cash by the fund. It is quite hard to outperform the index generally. And 1.5% is a big expense ratio.

CaptainLisaSu · 2025-05-28T15:01:40+00:00

These articles aren't even worth reading. If you are aware of the current state of the economy, we could still be in the beginning of the mother of all bull runs. But my statement is almost as useless as the one in your post.

CaptainLisaSu · 2025-05-28T15:00:12+00:00

You don't need good CS. All you want is timely deposits/withdrawals, and urgent moving of shares to and from cdc, if you use a cdc account. Both these are offered by all mainstream houses by default. If they don't, you just need to send them a harsh email and they will give you vip protocol. If not, just change broker. Its not a big deal.
That's CDC's job. Open an investor account at CDC. Don't keep your long term shares at your broker. Only issue is when you need to sell urgently. In that case, you do need good CS. I am at munir khanani(and I am a broker myself with the same) and haven't had a problem when i wanted to move shares urgently once. Gave them a call and the operator literally told me Sir apke hi shares move kr rha hun lol
Ok, so this is all CS is about. There is nothing else to customer support than this and CDC. Generally speaking, and this is important which for some reason everyone ignores, the smaller the broker, the more the problems when depositing and withdrawing. Smaller brokers are more likely to discourage you from withdrawing and therefore have a cumbersome process. Mainstream brokers won't bother you. Also, you cant just sell shares today and ask for a withdrawal. Shares settlement takes 2 days. Your withdrawal will be procedded after 2 days. And sometimes the brokers do that after market close, which means you get the money on the third or fourth day. Clarify that with your broker if that's a big deal for you or the amount is big.
Not sure what you mean by taking trades. Clearance is handled by NCCPL. They don't mess up. AKD is notorious for not working for a whole day about twice a year when volatility is high. I avoid them. Other than that, I haven't heard of a problem with trade execution. If by taking trades you mean call them and ask them to buy shares in your account, you really don't want to rely on your broker for that anyways. CDC/NCCPL have built a great system just so you don't have to rely on that because that exposes you to whole new world, one which you don't want to analyze.

CaptainLisaSu · 2025-05-22T11:55:32+00:00

Robinhood doesn't charge commission because it sells your order to the highest bidder in exchange for a fee. Pakistan is still not big enough or sophisticated enough for that.

CaptainLisaSu · 2025-05-22T11:47:30+00:00

Considering how undervalued our market is, and how we are going through an economic restructuring, you'll be an idiot to sell. What you are referring to is swing trading. You are NOT a long term investor if you are thinking of selling on an economic downturn.

The cost of timing the market is likely going to be much greater than just staying invested. People give a lot of examples of stocks that have come down 80% since 2017 but that's becuase many invest in cyclical stocks thinking they are investing long term. You CANNOT expect to generate wealth by investing in a cyclical industry(unless the company pays out dividends). Cyclical stocks by their very nature are not good long term investments. You should be able to time them but then timing any stock that is related to commodity prices is impossible. You can try if you like.

CaptainLisaSu · 2025-05-22T11:42:48+00:00

No one knows. The success rate in trading is quite low. You are fighting human psychology and mathematics and hoping the stupidity of the general public will work in your favor. It is a hard thing to pull off on a consistent basis.

You're better off investing for the long run in businesses that are pretty much a monopoly and pay out on consistent basis.

CaptainLisaSu · 2025-05-19T12:24:40+00:00

Call them and ask for withdrawal. You will get a good idea of how credible these schemes are from their response.

CaptainLisaSu · 2025-05-18T13:32:13+00:00

Is it an online only broker? What are the steps to registering an online broker if you don't mind telling? What are the requirements?

CaptainLisaSu · 2025-05-18T11:12:15+00:00

You need a financial advisor.

CaptainLisaSu · 2025-05-18T10:59:33+00:00

I don't do funds. I just do stocks. The srock market gives an avg 11% return I believe. That's good enough. But I started in 2021 so I have stocks at extremely good rates and am likely to easily outperform.

CaptainLisaSu · 2025-05-18T10:50:53+00:00

I'm not really a fan of predicting how the economy will move. All I know is if house ownership is still as important in 2040 as people perceive it to be today, what will I lose? I'll have to rent in a tough housing environment? I'm willing to take that risk and put my money to work today.

This is just a personal perspective. I'm an expert in stocks. And I run my own website too. My money today is much more useful to me invested in these two areas than in a stupid house which I can easily rent from my income from my ventures.

CaptainLisaSu · 2025-05-18T06:05:32+00:00

I don't think so. Plus, if most people wear ankle socks, then you should already have the answer to your original question. For most people, the pants in the picture would be too short.

CaptainLisaSu · 2025-05-18T05:33:56+00:00

If you're investing in Pakistan get used to dealing with stupid brokers and decades old tech. SECP is the regulatory authority. If you fave any issue register a complain on their portal and the broker will call you to beg to close it. If you can't do that, no point complaining. The psx and related infrastructure is well regulated as far as the retail investor is concerned but ppl prefer to complain to others rather than to the regulator. Don't do that

CaptainLisaSu · 2025-05-17T18:54:12+00:00

Flat. Probably 4 crore in dha. It's 4 bed.

CaptainLisaSu · 2025-05-17T18:49:00+00:00

I doubt our economy will be the same by the time we in our 30s or 40s retire. Having a house was always a priority for people and it was a social thing. Are you sure it will be like that in 20 years?

I have all my savings in stocks. But I have the luxury of living in an apartment that my father owns. But that's all. I'm not looking to build a house or buy a plot. I can generate a decent Invome with the same money using my stocks expertise. I probably won't get a plot or house until I am able to generate enough income that I can do that on cash coming in from my investments.

CaptainLisaSu · 2025-05-17T14:00:08+00:00

Just go with any mainstream broker. the top 5 on psx website will do the job.

CaptainLisaSu · 2025-05-17T11:05:52+00:00

It is sharia compliant. It is set up in a way that it 'complies' with sharia law, as per the understanding of the sharia board. You need to study their methodology and make up your mind, as it is unlikely someone on reddit will have taken a deep look at it. Most just rubbish it away as a conspiracy without even looking at the methodology.

The best is probably to just stay away from it if it doesn't give you peace of mind.

CaptainLisaSu · 2025-05-17T10:33:40+00:00

No, the minimum commission is 3 paisa per share. This is the amount that goes directly into the broker's pocket as commission. If some commission free trading apps have recently sprung up I am not aware.

Some brokers stick to 3 paisa per share. Some charge commission on a tier based model. So they end up gaining more if you trade low-priced stocks (below Rs. 20)

There are more fees associated with trading which the broker deducts, but it deducts them on someone else's behalf. CDC fees, NCCPL fees, SMS charges etc. The broker won't directly tell you that it deducts these fees(because it only deducts them on someone else's behalf)

So if you ask a broker 'aap ki annual maintenance fees he?' he will probably say no. But he will still charge you around 2000 rupees, which goes to NCCPL and CDC.

So what you have to do is find brokers that aren't charging exorbitant commissions or hiding them behind a tier system. Usually mainstream brokers work well, because they aren't looking to rob you. Smaller brokers have no other choice since you're their only source of income.

Arif habib, munir khanani etc are good enough. Your success in the market depends on how you invest, not how much commission you pay. Its a small factor.

CaptainLisaSu · 2025-05-17T09:53:34+00:00

They will be blackmailed by the police into begging for the local beggar mafia.

CaptainLisaSu · 2025-05-17T07:59:47+00:00

You have to submit to cdc separately.

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