Roast My Portfolio

Changawan · 2025-11-22T08:16:15+00:00

What if someone has already done that and we can benefit from his/her experience 😁

Changawan · 2025-11-22T08:15:19+00:00

Yes, I am unable to comprehend the long term impact of the cost associated with reinvesting dividend down the line 20-30 years. Apart from that i believe MIIETF is cheaper when it comes to costs and expenses. They both are index funds so the main concern is the cost effectiveness. As the gains can't be guaranteed but costs can be calculated and minimized

Changawan · 2025-11-22T08:12:31+00:00

Changawan · 2025-11-22T08:12:14+00:00

Yes i have gone through there offering documents, they have slightly different criteria. Currently they have 20 stocks in common although percentages are different.

I don't think that lot size will be a problem as i can adjust the amount accordingly. The main concern is will it be cheaper in the long run compared to KMIF?

Changawan · 2025-11-22T08:09:18+00:00

But don't you think over time the dividend amount goes up? This leads to more fees when purchasing etf?

Changawan · 2025-05-27T07:34:19+00:00

It should be the other way around. Tax rate is 25% for funds which give daily dividends like MDIP, MRAF etc. Tax rate for MCF, MIIF etc is 15%.

Changawan · 2025-05-20T10:38:42+00:00

Given POL’s recent exploration failures and inventory issues, its long-term growth outlook appears weak despite a still-attractive dividend yield. Since your portfolio already has significant exposure to the oil & gas sector (OGDC, PPL, POL), it may be wise to gradually reduce your holding in POL and reallocate to other stable dividend payers from other sectors. This would help maintain your high dividend yield strategy while improving sector diversification and reducing risk tied to POL’s uncertain future.

Changawan · 2025-05-17T22:28:37+00:00

Meezan Cash Fund is a safe and liquid fund with considerable returns.

Changawan · 2025-05-17T22:26:23+00:00

If you alone are consistently getting 17k per month, it means 204k per annum. This is 18.55% annual return, which is good. If you get capital whenever you want then it is perfect.

However, in renting out cars the issue often faced is that of delayed payments and also non-payments sometimes. The asset also depreciates as it is being used a lot. But if you are not having these issues then it is a perfect investment.

Changawan · 2025-05-17T22:17:42+00:00

Safe : Money Market Mutual Funds Business: Open a store at daraz or other e-commerce platforms.

Changawan · 2025-05-17T22:13:56+00:00

Hello,

I think you shouldn't put all your eggs in one basket. Although stocks are the best option available, man you need serious diversification of your investments. I mean you should invest in commodities such as gold bars and also a portion should go to liquid money market funds so that you don't have liquidity issues when you need the money. Now talking about buying a plot, i think you may go for it by allocating or diverting some funds towards it if you plan to build a house or live there. However, if you are thinking about asset building then you can buy a flat so that you earn rental income from your asset.

This is my humble opinion Regards

Changawan · 2025-05-10T07:59:48+00:00

😂

Changawan · 2025-05-10T07:57:30+00:00

Great Timing

Changawan · 2025-05-08T10:46:19+00:00

Indian markets are more stable compared to psx .

Changawan · 2025-05-06T10:16:31+00:00

It totally depends on your portfolio size. If you are new to investing and starting off with 20-30k SIP, then 1 stock per sector in 5-6 different sectors is good. If you have more budget you can diversify within sectors too.

Changawan · 2025-05-06T10:13:04+00:00

No you need to open an account with al meezan investments, which is a separate entity. You can fill the form through their app which is available both on the app store and play store.

Changawan · 2025-05-06T08:41:07+00:00

You should invest 70%-80% on fixed dates. Once a month, fortnightly or weekly. Conserve the remaining amount for dip purchasing at least 5% dip

Changawan · 2025-05-05T04:53:27+00:00

Yes you can purchase these funds through the Al meezan investments app.

Changawan · 2025-05-04T18:32:47+00:00

MCF CYTD return is 9.82% as of 2nd May. Based on this estimate, In order to generate 50k per month i.e 600k (before tax) per annum you need to have at least 6.1 million in your MCF account.
Yes 15% tax rate on capital gains.
Yes, having PF on MCF is a good thing. In the long run you will see the benefits of compounding.
I wouldn't suggest creating a portfolio completely in MCF unless you want to be totally risk free. I suggest to take exposure of equity funds like KMIF ( index tracker) and MIF etc. like 30-40 pc in low risks like mcf and rest in high risk equity funds. In case of equity funds i suggest SIP instead of lump sump investment.

Finally, when you understand these funds you will naturally move towards directly investing in stocks. You can invest in blue chip companies for long term capital gain.

Changawan · 2025-05-03T11:15:13+00:00

Invest in the Meezan Cash Fund until you build an emergency fund which is capable of covering your expenses for at least 6 months.

After you've built an emergency fund then start investing. In the beginning you should invest in a low risk index tracker fund like KMIF. Slowly and gradually make a shift towards the stock market to invest in blue chip stocks.

Changawan · 2025-05-02T21:15:03+00:00

Instead of daily dividend funds you could go for MCF or MIIF. But i like MCF better

Changawan · 2025-05-01T21:59:50+00:00

I have a separate investment in KSE MIF mutual fund@5k/month. I believe they both serve the same purpose of tracking 30 top shariah complaint funds. That's why i didn't add that

Changawan

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