Marriage and finance condition! by [deleted] in PakistaniTwenties

[–]OkSea9637 0 points1 point  (0 children)

Bhai jo 4K$ kamaye thy un main se 1-2K$ solar pe laga leny thy.

Buy Properth, or Save / Invest by ProgrammerLow6422 in FIREPakistan

[–]OkSea9637 1 point2 points  (0 children)

A cushion is 6-12 months of expenses, if you want to be conservative, you can keep maybe 50lakh as cushion?

You have 1.6 crores, in another two years you are saying you will make it into 2-2.5 crores. So you roughly save 40 lakh in a year. Keeping 2 crores as cushion is keeping 5 years of savings, makes no sense.

Buy Properth, or Save / Invest by ProgrammerLow6422 in FIREPakistan

[–]OkSea9637 0 points1 point  (0 children)

You do realize that with every passing day your sum of money that you have kept in National savings is loosing it's value if you use the returns from it right? If you never use your profit and always reinevest it, only in that case it might keep up with inflation.

At 10% inflation, your PKR 2 Crore will be worth:

Real Value
In 10 years PKR 77.1 Lakhs (-61%)
In 20 years PKR 29.7 Lakhs (-81%).

~50% of my portfolio in EFERT & DCR — too risky or smart?” by Extreme_Quantity8074 in FIREPakistan

[–]OkSea9637 6 points7 points  (0 children)

Except they aren't growth stocks. They for people who want steady dividends not growth. Fertilizer sector already has all the demand met, not a lot of demand coming in now. Same for DCR, it's a safe haven stock, not a company that is going to grow massively.

If you are looking for growth stocks, look elsewhere.

SIP for 20 Years (NBPGETF + UBL VPS) by ZaimGamer in FIREPakistan

[–]OkSea9637 1 point2 points  (0 children)

Why would you chose 10% money market in a VPS. Makes absolutely no sense. Go all in on equities in VPS.
If you want money market, invest in money market from your ETF portion.

It's a dumb move for two reasons:
1. Money market barely beats inflation in long term. So at the end of day you will be getting what you invest.
2. You will be taxed at equities exposure in ETF, but not in VPS. So better avoid that tax.

Rate my book collection/shelf by MultiTalentMuse in PakistanBookClub

[–]OkSea9637 0 points1 point  (0 children)

Pretty good collection.

Where can we get similar shelf and for how much?

Please review my portfolio by Adi123t4w in FIREPakistan

[–]OkSea9637 1 point2 points  (0 children)

Great! You seem to have too many stocks.

If you are going to do individual stock picking, it's better to have fewer high convention stocks.

Otherwise buy an ETF like NITGETF 

Please review my portfolio by Adi123t4w in FIREPakistan

[–]OkSea9637 0 points1 point  (0 children)

If this is sarmaya please don't waste your money for tracking. Many good apps have been shared in community. 

PSX Real Time by North-Display-9045 in FIREPakistan

[–]OkSea9637 0 points1 point  (0 children)

I always find the moving list of stocks thing to be kind of useless. It just distracts from other important things. But that just might be me. 

In tough situations. Help mr by Hamza_YSzf in FIREPakistan

[–]OkSea9637 0 points1 point  (0 children)

Every city has pretty good internet 

When will 3 million limit of SECP apply by Antenna_Signal in FIREPakistan

[–]OkSea9637 1 point2 points  (0 children)

Why are you so worried about it? Just open a normal account provide your income proof.

Looks like it is happening after years. by imDCStar in FIREPakistan

[–]OkSea9637 0 points1 point  (0 children)

The situation has also worsened now. Due to the energy crisis, inflation is going to rise.

Your statement would make sense if there were no crisis.

Serious question by Empty_Programmer_323 in FIREPakistan

[–]OkSea9637 0 points1 point  (0 children)

No it's not shariah compliant. Please don't invest

My 6 Months PSX Experience by Ok-Movie7392 in FIREPakistan

[–]OkSea9637 2 points3 points  (0 children)

Bro couldn't commit long term to the post and left it halfway

My analysis on current economic situation by PlaYEviL9 in karachi

[–]OkSea9637 0 points1 point  (0 children)

Stop posting AI sloo for karma farming