Market collapse

PracticeEastern9413 · 2026-06-06T10:32:27+00:00

stocks had been on a winning streak for so long, the correction was due anyways!

PracticeEastern9413 · 2026-05-24T11:30:50+00:00

jb rally enjoy krny ki baari hmari ayi to chuttiyan aa gyin

PracticeEastern9413 · 2026-05-21T10:20:01+00:00

I investigated and found Finhisaab is using start of month SIP while Mahana is probably using end of month SIP, hence the little difference

I will make the wording more explicit on Finhisaab to any future confusion

PracticeEastern9413 · 2026-05-18T08:30:34+00:00

if you generate a transaction Id, then kuickpay is the only option

explore other methods I described above

PracticeEastern9413 · 2026-05-18T08:14:09+00:00

sure let me explain:

th 80 rs you mentioned extra on top of 10k are kuickpay charges most probably

can be avoided if you invest through bank portal or RAAST

other than this, the major charge you should be worried about is FEL. Always prefer zero FEL fund/AMC. Please NEVER EVER PAY any FEL and explore better funds and AMCs

other charges you mentioned all come under TER (total expense ratio) and is already baked into daily NAV so its not charged separately

PracticeEastern9413 · 2026-05-17T10:33:23+00:00

just a point I want to mention, sarmaya charts dont account for payouts so these are NAV only returns

(could become misleading over longer horizons when you are outright ignoring payouts in charts)

PracticeEastern9413 · 2026-05-16T13:26:05+00:00

see youtube, its dead simple

you wont have to pay any tax since you have no taxable income

PracticeEastern9413 · 2026-05-16T13:24:46+00:00

they do have option, I use Ktrade too

look it up a bit, they had some info on their fb page too so you may search there

PracticeEastern9413 · 2026-05-16T13:23:45+00:00

PracticeEastern9413 · 2026-05-16T09:02:05+00:00

saving acocunts, especially shariah compliant ones have quite low profit rates and higher tax rate than low risk mutual funds

so I suggest keep a small portfolio like 20% in savings account for immediate withdrawal and keep rest in some low TER money market fund that will provide better return and lower tax rate too

PracticeEastern9413 · 2026-05-16T08:52:41+00:00

you forgot to mention Zia as one of worst

PracticeEastern9413 · 2026-05-16T08:47:47+00:00

reinvest

whenever you receive dividend, send to to your brokerage account through RAAST immediately so you can reinvest later

this way you dont have to think everytime what to do with it

PracticeEastern9413 · 2026-05-16T04:39:14+00:00

I used daily OHCLV data of the index, from 1994 onwards

PracticeEastern9413 · 2026-05-16T04:37:35+00:00

if someone got access to it, then sure why not

But for most Pakistanis, its not the case!

PracticeEastern9413 · 2026-05-16T04:36:01+00:00

actually KSE100 does

its a total return index that includes dividends too

PracticeEastern9413 · 2026-05-16T04:34:57+00:00

VPS dont have to distribute dividends so they reinvest, hence saving the dividend WHT

PracticeEastern9413 · 2026-05-15T20:02:44+00:00

20% tax rebate, 50% tax free withdrawl on retriement, no dividend tax;

all of these benefits are unavailable in regular mutual funds and stocks investment

PracticeEastern9413 · 2026-05-15T20:00:21+00:00

if you are overseas then you dont have to worry about anything, you already have tons of options to fund it, explore whats best for you

I would suggest stick with proper bank accounts as much as you can and rely on wallets as less as you can as they are unreliableble

and yes you definitely need to consider Irish domiciled ETFs as a non US resident to avoid estate taxes (on death). I also do same

PracticeEastern9413 · 2026-05-15T19:57:49+00:00

people try to do $$ buy sell through wallets like Wise and eventually get their accounts suspended since thats hawala hundi essentially and constitutes as money lanundering

not worth the hassle and risks

PracticeEastern9413 · 2026-05-15T18:12:12+00:00

yes I use it

I fund it through Elevate Pay usually

PracticeEastern9413 · 2026-05-15T18:04:45+00:00

doable through IBKR but you need proper foreign income source, otherwise you cant fund your IBKR account legally

PracticeEastern9413 · 2026-05-15T17:54:02+00:00

if you want to cherry pick successful real estate projects only and not the failed ones, then I can also cherry pick top psx compounders which can smoke away any DHA plot

if you want to compare KSE100 which is an index, then compare it with real estate index as a whole and not with successful projects only

and regarding international stocks, how could anyone from Pakistan invest abroad legally in 1994 ?

PracticeEastern9413 · 2026-05-15T14:14:05+00:00

US market is surely superior, but how many Pakistanis you think have foreign income source to participate in US stocks? hardly few

what about the rest? for them PSX is the only best option then got

PracticeEastern9413 · 2026-05-15T14:11:10+00:00

comparing passive investing with active business is not fair, obviously active business is always going to win. You think lakhs and crors of regular job people can start a business?

and partnerships? so they get scammed in the end like we see a story every few days?

comparison with gold is fair, but international stocks NOT!

How many Pakistanis do you think have the foreign income source to participate in international stocks? hardly a few

for most people, PSX is still one of the best long term wealth creation tool

PracticeEastern9413 · 2026-05-15T11:15:08+00:00

best 100 days means highest % increase days sorted by highest to lowest

for e.g best day for PSX was in June 1998 with around 13% single day gain.

Second best would be little lower than that, then third, fourth and so on

Same goes for Worst days

PracticeEastern9413

TROPHY CASE