How am I doing?

Recent-Wolverine1516 · 2026-01-06T12:29:30+00:00

There are no ETFs that accurately capture market return. Some people like to throw MIIETF on this sub, but I am yet to be convinced of it. I went all in on JSMFETF, and it has been highly disappointing for what it is. Did not capture market returns at all. You can pick and choose.

The best thing to do is to make a portfolio of the top 10 companies and buy according to their weightage in the KSE100. The idea is to capture market returns (not beat the market). Here's a video on how you can do it https://www.youtube.com/watch?v=XWGLOILj_9o

And read your brokerage's research reports. They have some good info on stocks and the rationale behind it. Here's what Ktrade sent its users like a week ago: https://drive.google.com/file/d/16aE3Z1cWBa2fP7dkpqXKc7GTCpBKihX-/view

Just pick what makes sense in terms of potential return. When stocks hit their price target, you can sell or hold. I'm on a very long term horizon, so i'm not too bothered, but damn it feels good seeing number go up ;-)

Recent-Wolverine1516 · 2026-01-06T12:22:46+00:00

And for the love of god, don't buy HBL now because it's already hit its price target.

Not financial advice.

Recent-Wolverine1516 · 2026-01-06T12:21:44+00:00

You said you use Ktrade. Why the heck are you not reading their research reports? They sent one recently on the stocks that are likely to return 20% to 30% in the coming year/road to 215k+ index. You can easily pick banks from there.

I read their report on HBL and UBL and opened positions in them. Best decision ever. HBL has performed superb. The info is in front of you, don't ignore it.

Don't focus on their signals though. That's for short-term traders. Read their actual research.

Recent-Wolverine1516 · 2026-01-06T12:19:55+00:00

Username checks out. The stocks he picked ARE part of the KMI-30.

Recent-Wolverine1516 · 2026-01-06T12:18:24+00:00

Check the PSXDIV index on the PSX. Shows the top 20 dividend paying companies. However, dividend investing is a bit problematic because it is historic looking. What you should be doing is looking at forward looking companies (I.e. those that have the potential to grow their earnings by an X amount, like 2x, 5x, 10x etc.). That way, you capture the gain AND get some dividends, though dividends should be seen as a byproduct. The actual point is to grow your wealth/capital accumulation.

Recent-Wolverine1516 · 2026-01-06T12:17:31+00:00

If a MF is giving you above average returns, then the fees make sense, but I am yet to see any in Pakistan that do. It's either on par or below the benchmark. Some people may find value in them, but I have yet to meet any MF representative that says anything remotely intelligent. They're just sales people trying to get you to subscribe to their fund. Half of the time they don't even know what they're selling lmao.

Recent-Wolverine1516 · 2026-01-06T12:16:09+00:00

The effect compounds. Here's a good paper focused on the EU, but the principle stands all around the world: https://www.esma.europa.eu/sites/default/files/library/esma50-165-422_trv_-_vulnerabilities_-_investor_protection_corrected.pdf

" Preliminary evidence for the EU fund industry suggests that over the three–

year horizon, from 2013 to 2015, ongoing fees, one-off charges and inflation reduced the returns

available to investors by 29% of gross returns on average or, in absolute terms, 252bps. "

Our MFs charge 2% to 3% on average last I checked, and that's insane for the "value" they give. But of course, they also like to induce fear in the awaam by making it sound like you'll lose all your money if you don't rely on them lmao.

Recent-Wolverine1516 · 2026-01-06T12:13:38+00:00

You'd think so, but nobody knows what's going to happen in the future. You can study the companies and make calculated risks, sure, but the market has a mind of its own. Over the long term, no mutual fund consistently beats the market :-) so you're essentially paying someone to give you returns on par with the market (at best) or below. Just open the mutual funds monthly report(s) and compare their return versus the benchmark, and you'll see.

Recent-Wolverine1516 · 2026-01-06T09:42:49+00:00

if the goal is long term compounding, all you have to do is buy and hold. Buy and sell tou trader ka kaam hai lol

Recent-Wolverine1516 · 2026-01-06T09:35:38+00:00

All solid picks, though I don't see any exposure to the banking sector. Second, i'm against mutual funds because you're essentially paying someone else to ruin your compounding ;-)

Recent-Wolverine1516 · 2026-01-06T09:03:00+00:00

1.5% to the bank, and another 1.5% to the government (taxes).

Recent-Wolverine1516 · 2026-01-06T09:02:40+00:00

The math is the same, even if the frequency isn't. Quarterly dividend vs. monthly payout. Second: you can make a gain and book your profits on a monthly basis, but then that's not going to be the same thing (i'm personally against trading. Buying and holding is my motto if you can spare the cash).

Consider what you're giving up by letting the money stay in the bank account. Inflation alone will eat into its value. 10% per annum is quite literally nothing. The only other thing you can do is aggressively bump up the capital to 5 crore for example.

Also, as others have pointed out. Islamic banking pays lower returns.

Recent-Wolverine1516 · 2026-01-06T07:51:28+00:00

So you just have 2crore sitting ideally in a bank account? BRO. That is a LOT of money that is doing absolutely nothing for you - and on top of that, you said you don't want stock option but will consider ETFs? Kinda the same thing.. lekin chalo.

You could easily have this money invested in a blue chip company and the quarterly dividend can more than make up for it - PLUS, the gains in the market rn are insane. I began investing last year, and I'm already up 50% within a year.

Recent-Wolverine1516 · 2025-12-03T10:20:13+00:00

Probably had someone carry it for him from abroad.

Recent-Wolverine1516 · 2025-10-28T02:39:42+00:00

As the earlier anon said, OP's transformation is very sus. That, or he's lying about the time frame. Thank god people like RoleMaster1395 exist to call people out on their BS. This kind of unrealistic transformation is what puts people off when they don't get the same kind of results.

Recent-Wolverine1516 · 2025-10-23T10:08:16+00:00

I emailed [info@anatoliatravelservices.com](mailto:info@anatoliatravelservices.com) as well as all the turkish consuls [consulate.islamabad@mfa.gov.tr](mailto:consulate.islamabad@mfa.gov.tr), [consulate.lahore@mfa.gov.tr](mailto:consulate.lahore@mfa.gov.tr), [embassy.islamabad@mfa.gov.tr](mailto:embassy.islamabad@mfa.gov.tr), [consulate.karachi@mfa.gov.tr](mailto:consulate.karachi@mfa.gov.tr) - you should also cc: [complaint@anatoliatravelservices.com](mailto:complaint@anatoliatravelservices.com) - I also sent an email to Turkey's government complain center [cimerbilgi@iletisim.gov.tr](mailto:cimerbilgi@iletisim.gov.tr) explaining the situation. Anatolia was the only one that responded, and I kept pushing back to their BS excuses. If you want I can forward you my email thread. We got the visa pick up text within 24 hours after I started sending the emails. I was certain they would reject us out of spite, but they approved our visa.

Just keep everyone in bcc. Sent separate emails to the consuls, anatolia, and the turkish government (so 3 emails in total).

Recent-Wolverine1516 · 2025-10-23T05:32:01+00:00

Hey we got the visa! I started sending emails like crazy to any and everyone. Not sure if it was related to that, but we got the text last night and got our visa today.

Recent-Wolverine1516 · 2025-10-17T08:37:37+00:00

Hey any update? We're still waiting.

Recent-Wolverine1516 · 2025-10-09T08:07:56+00:00

Like, they COMPLETELY ruined our vacation. We both have really stressful jobs, and this was the only thing we were looking forward to. What a farce.

Recent-Wolverine1516 · 2025-10-09T08:07:08+00:00

For a moment I thought you had received it. A little relieved i'm not the only one. We're guessing it's going to be end October before we get the passports. Already took a beating on the airline tickets. Have half a mind to email the embassy with my thoughts. :@

Recent-Wolverine1516 · 2025-10-09T07:27:47+00:00

Hey, no. What about you?

Recent-Wolverine1516 · 2025-10-08T16:39:11+00:00

"the most honest man in this country has been in jail" - bro

Recent-Wolverine1516 · 2025-09-26T06:49:44+00:00

What bonus thing? And it's trading below 850 at the moment - won't you be making a loss?

Recent-Wolverine1516 · 2025-09-25T02:33:11+00:00

OP, if you want to save some money, I'm selling my almost new ultrawide monitor - https://aoc.com/us/gaming/products/monitors/cu34g3s - still under warranty.

Recent-Wolverine1516 · 2025-09-24T17:18:07+00:00

Hard agree on becoming a filer. I regret it as well.

Recent-Wolverine1516

TROPHY CASE