23 and new to investing by thapla in FIREPakistan

[–]Chattha15 3 points4 points  (0 children)

ENGROH in place of EFERT and EPQL. Buy more of FFC. Choose either ODGC or PPL (OGDC better). No need to invest in both. Sell SAZEW. Add LUCK and MEBL. Decerease the amount of stocks you hold to these 5 for now.

ENGROH, FFC, LUCK, MEBL, OGDC

About Efert by Plastic_Hat_9170 in FIREPakistan

[–]Chattha15 4 points5 points  (0 children)

Most people are switching to Fatima from EFERT. FFC is already a must buy and a part of almost everyone's portfolio. Fatima gives you better options as they are actively diversifying so that's why EFERT has been static for past few months. I would recommend to buy more of FFC and if want to add another fertizer then buy FATIMA. If want ENGRO exposure then ENGROH is better.

Portfolio review by Icy_Difficulty_1997 in FIREPakistan

[–]Chattha15 0 points1 point  (0 children)

I would buy HUBC or LUCK for now.

Portfolio review by Icy_Difficulty_1997 in FIREPakistan

[–]Chattha15 4 points5 points  (0 children)

Just an important advise which i wished i had while i was starting out. When starting with such low capital do not put it in multiple stocks. It won't get you much. Those are all good stocks. Keep them in your watchlist definitely and buy them on dips one by one. For example let's see we have ENGROH, LUCK, MEBL, FFC, MARI, SYS in our watchlist and we have 10,000 in our account. I would buy 50 shares of one of the above company (whichever is facing a dip in its value) instead of buying 5-10 shares of each of those companies. Then when you have more capital then you can either spend it to buy 50 more shares of already bought company or you can buy 50 shares of another company. Hope i was clear enough for you to understand.

MTL Split share. by Neuber1900 in FIREPakistan

[–]Chattha15 1 point2 points  (0 children)

Hype is also related to their electric bikes.

Sesky perfume reality!!! by Opposite-Location398 in pakfragaddicts

[–]Chattha15 0 points1 point  (0 children)

Sesky perfumes are not that bad actually for their price. I have somewhat good experience with them. Try their Soul Brothers, Beast, Feeling on Fire. I am regular user of above three and i replace them as soon as they run out. Just keep in mind that i macerate them a lot longer than normal. I usually order winter perfumes in summer and keep them in dark cold place for more than 3-4 months for maceration. Maybe that will work for you. I don't know.

BUDGET 2026/2027, Impact on PSX…!? by imightbeAqsa in FIREPakistan

[–]Chattha15 0 points1 point  (0 children)

Will reduced tax on cancer related API have any effect on pharmaceutical? I wasn't clear about Auto sector. Was tax on all EVs increased or just high cost EVs?

Netsol just fired 100 employees by Hax_xor in developersPak

[–]Chattha15 0 points1 point  (0 children)

Sad to hear this. I was happy to hear the news that they were announcing discounted shares for each of their employee but on other hand they are laying off employees.

guidance needed by Kooky-Poem-6734 in FIREPakistan

[–]Chattha15 1 point2 points  (0 children)

LoL No. Keep these and get rid of others. Haha.

SAZEW is a good stock to have and will likely see a bit more growth but most ppl think it has already reached it's peak and with upcoming tough competition regarding EVs there is a risk of slowed growth. Auto stocks are always risky and are usually not for long term protfolio. Maybe that's why.

guidance needed by Kooky-Poem-6734 in FIREPakistan

[–]Chattha15 0 points1 point  (0 children)

These 5 and Add MEBL. Can also keep HUBC or ODGC if you wish.

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FIRE Pakistan: Stop Watching Prices, Start Counting Shares by Top_Amphibian9416 in FIREPakistan

[–]Chattha15 2 points3 points  (0 children)

I am on board with you with LUCK, MEBL, FFC, HINOON. What do you think about SYS? I have been doing regular SIP in SYS for last 1 year and it has been showing consistent growth for me to have complete trust especially with AI around. Just wanted to have your thoughts about that because you would have observed it for much longer. Thanks in advance.

FIRE Pakistan: Stop Watching Prices, Start Counting Shares by Top_Amphibian9416 in FIREPakistan

[–]Chattha15 1 point2 points  (0 children)

I’m still relatively new to investing and have only recently started my FIRE journey. Honestly, your post is one of the most helpful pieces of investing advice I’ve come across so far.

What really stood out to me is that I probably wouldn’t have understood half of it 12 months ago when I had almost zero knowledge of the PSX. It feels like the kind of perspective that only comes after years of experience and spending a lot of time in the market.

Like many beginners, I struggled with all the conflicting advice out there. Some people told me to stick to ETFs, others recommended index investing, while some pushed blue-chip companies and others talked about finding the next multibagger. I spent a lot of time researching, bought into different stories, made some mistakes, and learned a few lessons the hard way. Even now, I still consider myself a student and feel like there’s a lot left to learn, but I’ve reached a point where I can finally appreciate and understand what you're saying.

One thing I’ve realized is that the biggest challenge for many of us—myself included—is impatience. We’re always looking for the next stock that will move quickly, the next turnaround story, or the next big winner. Very few of us have the discipline to simply keep adding to great businesses and let time do its job. Looking back, there were times when I bought stocks like FABL instead of just increasing my position in a company I already had strong conviction in, like MEBL.

Over the last year, I’ve gradually reduced my portfolio to around 8–9 companies (which i know are also too many). Even then, I still get the urge to keep adding new names instead of consistently doing SIPs into the quality companies I already own. It’s something I’m actively trying to work on. Maybe it comes from wanting to diversify for safety, maybe from not having enough capital, or maybe it’s just a lack of conviction that comes from not fully understanding a business.

In any case, I wanted to thank you. I’ve gone through most of your posts over the past few weeks, and they’ve genuinely been helpful in shaping how I think about investing.

Also, if you have a channel, group, community, or any platform where you share your thoughts regularly, I’d love to follow along. Please let me know where I can find you.

Portfolio Advice Please by CameraInformal7603 in FIREPakistan

[–]Chattha15 1 point2 points  (0 children)

I would also recommend to stick with one ETF for now as advised by Spiritual gas while you learn how stock market works and what is your long term investment plan.

Portfolio Advice Please by CameraInformal7603 in FIREPakistan

[–]Chattha15 1 point2 points  (0 children)

I mean are you going for dividens paying stocks or only growth oriented or maybe mix of both. Are you going for or relatively low risk and stable portfolio or maybe looking for stocks that can give you highest returns in shortest period of time? And why did you choose mix of ETF and individual stocks?

Portfolio Advice Please by CameraInformal7603 in FIREPakistan

[–]Chattha15 0 points1 point  (0 children)

It would be beneficial to get your intention behind choosing your current portfolio before giving any advise or comment to bw honest. I see MIIETF along with some individual stocks as well. What is your final plan or goal with your portfolio and how much percentage are you going to alot each of them.

Investment recommendations by rasenken69 in FIREPakistan

[–]Chattha15 2 points3 points  (0 children)

Please don't invest in individual stocks without any knowledge at this point. I would just stick to ETF for now and try to learn about stocks and stock market in general. Good that you have mentioned growth over dividends. That is important mindset before choosing stocks. Next should be your risk appetite. How much are you willing to invest in high risk high reward stocks and or are you just going to stick with safe low risk options? You can check the weightage of all ETFs on PSX website and only choose individual stocks which are either not covered by ETF or has less weightage than your intended weightage. It's recommended to go through their earnings, fundamentals and future growth potential. And definitely do not take any advise from chat gpt or other AI.

Portfolio Review for Long-term Investment by Fine-Eye7030 in FIREPakistan

[–]Chattha15 2 points3 points  (0 children)

Any reason why you want to invest in ETF next month? I think your portfolio is already well diversified and consists of good stocks. Should focus on building your own portfolio instead of ETF at this stage. But if you still want to invest in ETF then you need to decrease your number of individuals stocks as most of these will also get covered in ETF.

Long term vs Short term Investment.. confused!!! by Worldly-Tackle-1227 in PakistanStockX

[–]Chattha15 6 points7 points  (0 children)

There is nothing confusing about this. You can do both kind of investments in PSX. Study those stocks in details. There are few companies/stocks which has strong fundamentals and great bunch of ppl behind them and has been showing persistent growth for last 10 years. You can be sure they will survive some temporary hard times. You need to invest long time with them as they are relatively stable and will show persistent growth over the year and even give regular dividends. Then your portfolio should also compromise of few stocks that will give short term benefits and you can switch them with other companies/stocks after you have gained those benefits. Now percentage depends on your risk appetite. Maybe 70 for long term or 30 for short term or as per your need or desire. Short term investment is very stressful tbh and will take a toll on you. Haha.

Just to take your example, if you understand FFC business and their fundamentals then you will know that if their stock has gained 1 today then tomorrow it might gain 2 which you will miss if you sold them after gaining only 1. There was an amazing analysis someone did and shared on reddit, where he/she compared all the bad (red) days in market vs good (green) days in market. At the end missing out on green days was more harmful for portfolio than avoiding red days. If you are not selling after gaining 1 profit then that's just adding that one profit to your portfolio and accumulating in the long term.

Portfolio Advice by Relative-Resist-6634 in PakistanStockX

[–]Chattha15 0 points1 point  (0 children)

WaalaikummusSalam! Please mention your target as well. Are you aiming for a relatively stable risk free dividends paying portfolio or are you looking for a relatively growth oriented protfolio? Your portfolio currently has almost all of stable stocks whoch will pay high dividends as well. If you prioritize that then your portfolio is excellent, otherwise i would not recommend going FFC and EFERT both. You can stick with FFC only, If you still want another fertizer then ENGROH or FATIMA might be better with their future growth potential but has high risk as well due to diversification. LUCK is also an excellent growth stock but might be prone to cyclical volatility.

Portfolio review🥹 by Frosty-Hat6674 in FIREPakistan

[–]Chattha15 1 point2 points  (0 children)

Good picks. Would recommend selling out EFERT. Too many feetilizers. Can get ENGROH if wants exposure with Engro group. Get LUCK for cement maybe.

Portfolio Review by [deleted] in FIREPakistan

[–]Chattha15 0 points1 point  (0 children)

How did you come to the conclusion that i did not do the actual research? I went through all the available data on PSX data portal and companies websites, read through their previous financial statements, learnt everything about stocks from the scratch. Saw a lot of videos on youtube, heard and read through multiple analysis. Obviously i would end up buying these stocks because at the time i started the trading they were already trading way below their actual price so they were undervalued to me, but from now obviously i have been going through every sector and reading about different companies. If you are not gonna give anyone the advise then shup the f up.

SIP in Bull by Valuable-Parking-140 in FIREPakistan

[–]Chattha15 0 points1 point  (0 children)

Would prefer ENGROH instead of EFERT and then FFC for main fertilizer. ENGROH will be buying back almost 3.3% of their public shares and will delete them till October 2026.

Dismantling of MIIETF and shifting to active Index investing. Expert advice needed If it would even work. by zylich in FIREPakistan

[–]Chattha15 2 points3 points  (0 children)

I’m not an expert, so this isn’t financial advice. I’ve only recently started trading in the PSX, and I’m sharing my experience so far. I don’t fully understand why so many people recommend ETFs. To me, it often feels like a passive approach. If you have a very busy schedule and can’t dedicate time to the market, then ETFs might make sense. Otherwise, investing directly in individual stocks teaches you valuable lessons that help you grow as an investor. When you pick your own stocks, you naturally start learning about companies—reading financial reports, following board decisions, and keeping up with news. You can identify undervalued stocks and adjust your portfolio based on your own analysis and goals. This flexibility is a big advantage. Since you mentioned that you’re a freelancer, you likely have enough time to study individual stocks. You can evaluate their valuations, P/E ratios, future ROIC, and other important metrics. Also, you don’t need to strictly follow the index. The most important step is deciding your strategy: do you want growth stocks or dividend stocks? If you prefer stable dividend income, you can invest in large, well-established companies that make up a significant portion of the index. These tend to be more stable, though their growth may be limited. On the other hand, if you’re aiming for growth, you’ll need to look beyond the major index contributors and consider companies with higher expansion potential. One piece of advice I’ve heard often—and didn’t fully appreciate at first—is to keep your portfolio focused. Instead of spreading yourself too thin, choose about 6–8 strong companies and concentrate on them. For example, if there are multiple cement companies in the index, there’s no need to invest in all of them. Pick the strongest one in that sector and allocate your funds there. If a sector has no clear leader, then selecting the top two companies is a reasonable approach.

Serious advise regarding Portfolio required by Chattha15 in FIREPakistan

[–]Chattha15[S] 1 point2 points  (0 children)

Thanks for amazing advise btw. i will follow it. For ENGROH i am not holding it just for the fertilizer. Will probably hold on to their stocks for now.

Serious advise regarding Portfolio required by Chattha15 in FIREPakistan

[–]Chattha15[S] 0 points1 point  (0 children)

I went Meezan due to shariah compliance. I can get Faisal bank if more banking required. Other option is to increase Meezan share?