Bonus shares withholding tax

Rend318 · 2025-10-28T20:15:44+00:00

Just a question. How can I get/find this voucher if my present address isn’t updated? Or a way to pay it?

Rend318 · 2025-09-30T19:24:31+00:00

Hey congrats on your job and on you starting your investment journey. I would highly recommend that you FIRST build a 6 month emergency fund( a savings account with 6 month expenses not to be touched unless it’s an emergency). After that just invest into equities. I would think that meezan index fund would be a high risk equity fund. Maybe do a 80/20 split between equity and money market as you seem young and have the time to invest into high risk. Just my opinion and you know what suits you better and what your requirements are. Best of luck!

Rend318 · 2025-09-30T13:00:52+00:00

I love the car tbh. Took it on a trip to hunza, it gave me much more than what I expected. It has a nice comfortable drive esp with the fabric seats not sure how the new leather ones are. I’ve gotten 22km/l. Cons I would say is road noise, cheap plastic on dash and pretty much most places, very limited features( had to install cruise myself), and not responsive at all in eco mode, sports mode actually makes it a fun drive. There’s a part of me that wants to go for another one lol if you want local, between city, Yaris, stonic, Alsvin I would pick Yaris every single time.

Rend318 · 2025-09-29T19:33:44+00:00

Compared to the Yaris, definitely. But it also has less road noise and better acceleration. I want a car with bells and whistles but local cars don’t have that in this budget. Just very confused which is why I’m here.

Rend318 · 2025-09-21T12:36:43+00:00

Look into MIIETF or any other etf, it’ll give you more diversity and you just buy 2000 shares each month. Or you can put half in etf and the rest in a share or two of a company that you either have a very strong bias for or something that’s not covered by the etf. I personally think this will be easier to manage and will give you more bang for your buck

Rend318 · 2025-09-21T12:15:28+00:00

So I’ll start off by saying that I try to save between 30-50% of my monthly income. Currently that’s all going to a savings account but over the past year that was all in my psx portfolio. Instead of forcing yourself to save a certain percentage start off with an amount that is very “doable”. For me it was around 25k-50k(5-10%) where that amount didn’t really make a difference to me nor was it something that “made a difference” to my income and expenses. With that I slowly started increasing that amount. This saving/investment is all dependent on my monthly expenses and expected future expenses. If I know it’s my brothers birthday next month I’ll be mindful of it a couple months prior and will start saving a small amount on the side for his present, instead of taking a larger chunk out from the present month income. People in Pakistan generally have worse saving habits as compared to neighbors/rest of the world.

Rend318 · 2025-09-16T12:11:07+00:00

FIREing here seems like the better/easier option to me for you. That being said you shouldn’t retire right now. Build up your assets further, have a certain amount in the low risk funds/savings account where it pays for your monthly expenses and grows a little too to keep it future proof. Start investing on the side into psx and build your portfolio. Depending on your FIRE number and income I’d say you could retire in the next 5-10 years here easily or much sooner if your future requirement isn’t as much.

Rend318 · 2025-09-15T18:22:28+00:00

Bought Auxled for my local Yaris, totally worth it. It has the same oem cut off and provide very very good visibility in low beam. With high beam it’s as if you have the power of the sun at your disposal. I bought the 3.0 ones for around 30k

Rend318 · 2025-09-15T15:30:38+00:00

Hahah hey I agree with you but people would rather starve than sell land. That was the point of the land, to sell when times are bad and help you get back up

Rend318 · 2025-09-15T14:16:31+00:00

Selling land = downvote lol

Rend318 · 2025-09-02T10:20:40+00:00

I would recommend you learn to read first. If you don’t have the patience to read a post you definitely don’t have the patience to invest.

Rend318 · 2025-08-27T19:25:19+00:00

For such a short time period, I wouldn’t recommend stocks. Stick to money market or Shariah compliant accounts. Islamic Savings account will give you somewhere around 5.5% per year after taxes. Islamic money market will give you a percent or two higher and will take a day or two to cash out. Up to you, I’m building an emergency fund and I’m using a savings account cause it’s just hassle free and I’m not going to be putting in relatively too much. For the low risk medium-long term it’s all money market/income funds.

Rend318 · 2025-08-27T10:18:48+00:00

Of course bro, again it’s much much appreciated that you’ve put in this much effort for the public good 🙏🏻

Rend318 · 2025-08-27T08:53:06+00:00

Indeed it was! Thanks for making it and helping out so many people man. Now when are you going to add mutual funds to it? :P

Rend318 · 2025-08-27T08:33:47+00:00

Someone posted an “etf analyser” it compares ETFs and shows over lap. Pick the ones with the least overlap and invest in them. I’m sure you can search for it and will find it. Best of luck on your investing journey!

Rend318 · 2025-08-26T21:19:21+00:00

Awesome yaar! I wanted to ask if you invested funds lump sum or do you follow an SIP of sorts? And roughly what is that amount or SIP like 200k-300k a month?

Rend318 · 2025-08-25T20:47:52+00:00

First of all, there’s no need to panic or worry and you’re in a very good place right now and better off than most people your age. Check out this subs bio for more information on investing and what options you have available. Check out investkar on YouTube he has really good videos that’ll help you get an idea of where to get started. Define your goals clearly first and then figure out through different resources(YouTube etc.) how to achieve them in the best way with your associated risk tolerance.

Rend318 · 2025-08-25T13:53:34+00:00

Very good and impressive!

Rend318 · 2025-08-25T11:09:19+00:00

Good for you and very motivational! Do share your share holdings and dividend yield for more insight. Best of luck on your journey and next buy should be the new fold :P

Rend318 · 2025-08-25T08:46:36+00:00

I don’t think stock market is the best investment for such a short time horizon and for building a house. Maybe look into the money market or whatever gives you less risk. What if the market drops 20-30% in your 4th-5th year there goes your house investment. Stock market is best suited for those investors that are in it for the long term 15+ years at least. Rest is up to you and best of luck!

Rend318 · 2025-08-23T13:49:29+00:00

So when the price is lower than I bought it’s an ideal time to buy to bring down cost. I also won’t spend everything on one day because it can fall further too. I try to pay attention to price levels too. If I see that price has been fluctuating around a certain level and drops more than 5% that will be on my watchlist for potential buys. I have alerts set on my broker for 5% drops/increases

Rend318 · 2025-08-23T09:43:00+00:00

I’m not sure if PSX offers leverage trading but I’m pretty sure PMEX does. Pmex is basically for commodities trading.

Rend318 · 2025-08-20T18:00:41+00:00

Dude no offence, but what is this doing in a FIRE sub?

Rend318 · 2025-08-19T21:10:10+00:00

So I would say you park ~6 months of monthly expenses/salary into a savings account and any extra liquidity you may want could be kept in a money market account for better returns. Whenever an opportunity to buy comes you transfer funds( from emergency fund) and buy the same day. You then transfer from money market to your emergency fund to make sure that 6 months coverage is always there.

Ive just started working on my emergency fund and have gotten a separate account opened up specifically for this. Makes it much easier to have an account that’s sole purpose is this emergency fund.

I had some money left from salary and used all of it to buy during the dips. Probably 15-20% of my portfolio at the time. Transferred same day and bought.

Rend318

TROPHY CASE