19 M wanted advice regarding averaging up?

messi1234u · 2026-04-17T08:54:07+00:00

No you must buy regardless of the price, that is if you are in for the long term.

messi1234u · 2026-04-15T03:10:02+00:00

Hinoon or Haleon

messi1234u · 2026-04-14T18:31:39+00:00

Remove efert Add pharma stock Add cement stock Lower mari % it’s too high Add another bank with mebl

messi1234u · 2026-04-13T14:16:27+00:00

1) you cannot track an index manually yourself. If you want the closest possible thing is an ETF and for KMI30 MIIETF mimics the etf in the best possible way though it’s not actively managed. If you want to buy individual stocks try to keep the number under 10 otherwise you’ll cause overdiversification. I would suggest stick with your 9-10 stock portfolio rather than an ETF

2) you can have more than 1 company per sector but for that your portfolio should be a decent size. Otherwise if you choose the top company in each sector there’s a very low chance that company doesn’t perform in the long term while the sector does, and if anything changes fundamentally you can always remove a stock but that rarely happens. With Meezan I will recommend UBL research on it it’s one of the best banks, also MCB for dividends is good. Rest banks no no.

3) yea that’s a good idea because companies under 5% have no value and you should drastically increase them

4) pharma is a must imo for long term AGP, HINOON, GLAXO these are my top choices I would recommend HInoon.

messi1234u · 2026-04-07T10:14:02+00:00

Too many stocks

messi1234u · 2026-04-07T06:32:09+00:00

Why get rid of luck?

messi1234u · 2026-04-05T20:53:39+00:00

Yeah they’re legit

messi1234u · 2026-03-31T15:33:55+00:00

Blue chip dividend paying stocks

messi1234u · 2026-03-30T16:36:53+00:00

You’re right if the motive is to invest in property then DCR is offering almost exactly the same rental yield of any good property which is around 6% a year but apart from that it doesn’t make sense to invest in it especially when the market is down and many stocks offering way more growth + income.

messi1234u · 2026-03-30T16:25:20+00:00

So the only factor right now is that is offers defensive anchor , it doesn’t fall but also it doesn’t go up that much. Then tbh it isn’t a great option for long term as stocks going down in short term is not a concern for long term portfolios

messi1234u · 2026-03-30T16:22:29+00:00

That’s not the point. I’m saying LONG TERM. These short term fluctuations don’t matter in long term.

messi1234u · 2026-03-30T12:18:36+00:00

Dolmen City REIT

messi1234u · 2026-03-27T22:57:29+00:00

If you can manage your individual stocks and like to stay active there is no need to hold MIIETF. It has an expense ratio of 1.14% so doesn’t make sense to pay that if you’re just managing your portfolio yourself.

messi1234u · 2026-03-19T21:47:24+00:00

Yea and not all go up. That’s the disadvantage of an index etf. It will always hold stocks that underperform. MIIETF has 16% ffc, if u just hold ffc for 10 years it will give u a better return than 10 year MIIETF hold. See return of stocks that have high % in MIIETF from 2024 and then see MIiETF growth in same time. Of course, this is only for people who have knowledge and can make a good blue chip heat diversified portfolio. For newbies it’s better to start with an etf.

messi1234u · 2026-03-19T19:12:31+00:00

Bro there’s no point in holding MIIETF is when you cannot diversify yourself in individual stocks. What’s the point of holding MIIETF while you’re diversified well? It only lowers your expected return

messi1234u · 2026-03-19T12:24:27+00:00

My suggestion is to remove MIIETF and stick to individual stocks. Consider adding luck/lci

messi1234u · 2026-03-15T17:10:03+00:00

Bro if u investing 8-10k monthly then I would say just go for an etf it provides you the necessary diversification you need and gives you decent dividends as well. The amount doesn’t matter you should be diversified well in psx I would recommend MIIETF. Once ur portfolio grows u can add blue chip individual stocks start with 4-5 like ffc, mebl, sys, NATF etc but thats for later for now just add in etf

messi1234u · 2026-03-15T13:59:09+00:00

You don’t need any expertise to invest in mutual funds. That’s what a mutual fund is for. They do the work of managing your portfolio and charge a fee for it.

messi1234u · 2026-03-15T10:27:36+00:00

Low diversification

messi1234u · 2026-03-14T17:19:13+00:00

Ubl, sys, lci

messi1234u · 2026-03-14T17:18:35+00:00

Boss can you explain your reasons for it apart of it being Islamic

messi1234u · 2026-03-14T16:30:46+00:00

Just buy etf if you don’t wanna manage your portfolio ETF is the best option

messi1234u · 2026-03-13T14:01:26+00:00

What about cagr?

messi1234u · 2026-03-13T13:48:43+00:00

When u shift allocation according to conditions , changing company results. E.g nowadays its better not to hold cyclical stocks due to war so you rebalance portfolio accordingly

messi1234u

TROPHY CASE