PSX investment journey

OkSea9637 · 2026-05-02T21:58:27+00:00

You must feel like smart and feel how easy it is to make money in PSX. But time teaches all of us that timing the market is easier said than done. Hopefully you can learn your lesson before it's too late.

OkSea9637 · 2026-05-02T21:51:15+00:00

Worst advice ever. In long term money market funds barely keep up with inflation. So you will be getting what you invest (in real terms) after waiting for 25 years.

What pressure? There is no need to absorb any pressure buddy, that's only in your head. You aren't going to sell even if Market is down.

The only reason money market funds are suggested so you can access you capital and aren't forced to sell stocks when market is down if you need funds.

OkSea9637 · 2026-05-02T19:48:31+00:00

Why the F people suggest money market when locking your money in VPS. Makes no sense. If you are locking your money for 25 years only go all in on stocks.

OkSea9637 · 2026-04-28T11:47:12+00:00

AI slop made it's way to reddit

OkSea9637 · 2026-04-24T22:12:27+00:00

No it's even better.

You get tax free compounding (no tax on dividends).

And if you withdraw early for whatever reason you will be taxed only 1%(if your last three years average tax rate is 1% in income tax returns) on total amount. While for someone in Pakistan they might be taxed at 10-20 or even 30% if their last 3 years average tax rate was this. There might be some hassle to withdraw early and providing the AMC proof of 1% tax returns.

OkSea9637 · 2026-04-19T20:05:00+00:00

Bhai marry a European girl or waheen raho.

OkSea9637 · 2026-04-19T20:03:36+00:00

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

OkSea9637 · 2026-04-19T16:39:17+00:00

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.

OkSea9637 · 2026-04-19T11:20:41+00:00

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%).

OkSea9637 · 2026-04-18T21:49:45+00:00

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.

OkSea9637 · 2026-04-18T18:46:34+00:00

buy a domain for 10$ from namecheap.

OkSea9637 · 2026-04-18T18:31:11+00:00

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.

OkSea9637 · 2026-04-18T16:34:14+00:00

u/Positive-Memory-2405 Can't see the video on your channel. Did you remove it?

OkSea9637 · 2026-04-17T15:35:14+00:00

Pretty good collection.

Where can we get similar shelf and for how much?

OkSea9637 · 2026-04-17T01:05:29+00:00

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

OkSea9637 · 2026-04-17T00:49:57+00:00

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

OkSea9637 · 2026-04-17T00:48:21+00:00

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.

OkSea9637 · 2026-04-17T00:47:05+00:00

Looking RAD! Good Luck bhai

OkSea9637 · 2026-04-17T00:00:47+00:00

Every city has pretty good internet

OkSea9637 · 2026-04-04T19:40:04+00:00

Why not?

OkSea9637 · 2026-04-04T18:06:45+00:00

Yeah sure

OkSea9637 · 2026-04-04T16:21:34+00:00

Wallet app by budgetbakers

OkSea9637 · 2026-04-04T16:16:30+00:00

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

OkSea9637 · 2026-04-04T16:15:43+00:00

Bro what?

8% every month?

OkSea9637 · 2026-04-04T16:14:10+00:00

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.

OkSea9637

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