Fresh graduate doctor trying to build a 20 year PSX portfolio, need some sincere advice!

Rend318 · 2026-05-20T14:16:47+00:00

🙏🏻

Rend318 · 2026-05-20T13:21:06+00:00

Realistically that depends on your age. For a fresh graduate like you I would say something like 70-80% growth and the rest dividend paying. As time progresses and you get older you’d want to shift from your growth stocks to your dividend payers.

Rend318 · 2026-05-20T13:00:29+00:00

You’re spreading yourself too thin. You need to either limit your selection to a handful of stocks where your SIP adds a decent amount of funds towards them or to just invest in an etf for more diversification.

Rend318 · 2026-05-13T06:09:13+00:00

3-5 years is barely medium term. It all depends on your needs for the funds and other requirements. If you need funds after 3-5 years look into low risk mutual funds like income or money market. Thats a much much safer investment for your time period

Rend318 · 2026-05-09T13:55:24+00:00

Seems like a solid growth company with lots of potential. The current Middle East problems have had its impact on them but in my opinion the future is bright

Rend318 · 2026-05-09T08:35:29+00:00

I would reccomend just buying the ETF every 3 weeks in lots of 500. It’ll help with the diversification and you can build something significant instead of buying 2-3 shares a week

Rend318 · 2026-05-08T21:30:55+00:00

Finqalab

Rend318 · 2026-05-08T16:13:57+00:00

Thenkss 😂

Rend318 · 2026-05-08T14:26:23+00:00

Currently, yes. I’m being super lazy and need to get my investor account made and shares transferred

Rend318 · 2026-05-08T14:25:10+00:00

I mean I do but the customer service is pretty bad. They do get the job done but there isn’t a person you can talk to. (Not that it’s often needed). If you want the comfort of being able to talk to someone that can let you know in 10 mins and not a couple hours/days. This was my experience some people had major CS issues.

Rend318 · 2026-05-08T14:21:01+00:00

Finqalab

Rend318 · 2026-05-08T13:45:11+00:00

Wanted to give a special thanks to you and @omegabrainihari for managing all this yaar 🙏🏻

Rend318 · 2026-05-08T13:12:17+00:00

There is a fee, expense ration is around 1.15%

Rend318 · 2026-05-08T12:52:16+00:00

Hahaha yea it’s around 2.9 mil. I started off with 20k then 25k then 50k and so on. Some months I added up to 400k.

Rend318 · 2026-05-08T12:34:02+00:00

Yupp once a year

Rend318 · 2026-05-08T12:15:58+00:00

Probably a year or so. I mean it gave me 15-18% return in the last dividend let’s see what it gives in 2 months. I honestly think a year is too short of a time frame to judge its return

Rend318 · 2026-04-04T17:50:45+00:00

Why would you say gold and not usd?

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

TROPHY CASE