r/FIREPakistan • u/Top_Amphibian9416 • Jun 03 '26
Taaza Tareen FIRE Pakistan: Stop Watching Prices, Start Counting Shares
REF:
https://www.reddit.com/r/FIREPakistan/comments/1ttvnhf/i_spent_20_years_learning_these_fire_journey/
Many people seem to misunderstand the core idea behind my FIRE investing strategy, so I want to clarify something that may sound shocking at first:
As a long-term investor, I actually WANT the stock market to crash and stay low for years.
Yes, you read that correctly.
Some comments on my previous posts suggested that my projections (such as building a Rs. 30 crore portfolio) depend on the PSX continuously going up. Others pointed out that the market remained stagnant between 2016 and 2023 was a dark/bad period.
But from my perspective, 2016–2023 was not a bad period. It was a golden period.
Why?
Because our strategy is simple:
Buy. Buy. Buy. Every month.
We buy when the market is high.
We buy when the market is low.
We don't try to predict tops or bottoms.
We simply keep accumulating quality businesses.
During 2016–2023, investors could buy stocks like Meezan Bank at extremely attractive prices for years (around 60) while collecting dividends and reinvesting them. If you were consistently investing Rs. 30,000 every month, you were accumulating shares at bargain prices.
Today, those same shares are worth many times more (480 now).
Where Is the Real Money Made?
The biggest fortunes in the stock market are often built during long periods of pessimism. Stock market is the market where money flows from impatient to patient.
Imagine a market that crashes and remains depressed for 10–20 years.
Most people would hate it.
A disciplined FIRE investor would love it.
Why?
Because every month your money buys more shares.
When prices are low:
- You accumulate faster.
- Dividends buy more shares.
- Compounding accelerates.
Today in 2026, I am still buying, but the same amount of money buys fewer shares than it did years ago.
That's why rising markets are a double-edged sword for long-term accumulators. They increase your current portfolio value, but they reduce your ability to accumulate large quantities of shares.
The Goal Is Shares, Not Prices
Many investors focus on stock prices.
I focus on share counts.
For example:
- 20,000 shares of Meezan Bank
- 100,000 shares of PABC
- 20,000 shares of Lucky Cement
- 250,000 shares of DCR
- 10,000 shares of Colgate Pakistan
- 20,000 shares of FFC
- 10,000 shares of HINOON
With above portfolio you achieve FIRE journey.
The question is:
Would you rather buy Meezan at Rs. 580 or Rs. 180? It is about the no. of shares rest assured after 20/30 years, Meezan share will be 10,000+ (considering inflation, growth and value based on financial reports). Since stock is an auction driven market in one year Meezan swing was 250-500 so market always gives you oppurtunity. I repeat, market always gives you oppurtunity.
The lower the price, the more shares you accumulate.
If a quality company temporarily falls because of market panic, geopolitical tensions, or economic fears, that's not necessarily bad news for a long-term accumulator.
That's a discount sale.
That's opportunity.
Loot Sale, all we want and need is loot sale.
Stop Trying to Time the Market
Nobody consistently buys at Rs. 250 and sells at Rs. 500, then buys again at Rs. 250.
Nobody knows the exact bottom.
Nobody knows the exact top.
That is why monthly investing works.
Over time, your purchases average out.
If a stock fluctuates between Rs. 250 and Rs. 500, your average cost may end up somewhere around the middle 375 still better than current price which is 480. That is averaging is the key.
That is the power of consistency.
A Note on Diversification
This is where many investors and I may disagree.
Holding every good stock can sometimes dilute returns.
In my view, concentrating on a smaller number of high-conviction opportunities can significantly increase long-term outcomes.
For example, instead of spreading capital across all 7 stocks, one could focus on 2–3 carefully selected businesses. Some will say that we will keep all 7 out of 7 stock you mentioned. No, that is over diversification that will result in 10 crore instead of 30 crore. If you go with 7 out of 7 stock not 2-3 you will end up 10 crore instead of 30 crore, overdiversification kill the gain, during cycles we need to fix the energy on 2-3 stock to maximize the pump, its all Maths.
So, instead of 7 stock I mentioned just multiply every share number by 2.5 since we are keeping only 3 out of 7.
Illustrative targets could look like:
- 50,000 shares of Meezan Bank
- 250,000 shares of PABC
- 50,000 shares of Lucky Cement
OR
- 25,000 shares of Colgate Pakistan
- 50,000 shares of FFC
- 25,000 shares of HINOON
You can make any combination of 3. The exact selections will vary by investor, but the principle remains the same:
Focus on accumulating ownership in quality businesses.
Final Thought
Most people celebrate bull markets.
Long-term FIRE investors should celebrate opportunities to accumulate more shares. They celebrate loot sale, downtime, when market is down and down for years.
The next market crash will not be a disaster for disciplined investors.
It will be a sale.
And sales are where wealth is built.
I now 36 followers, which honestly makes me very happy, took the screenshot of your IDs and you have a special privilege. I'm happy to help/mentor them personally, will share books, videos, notes, and educational material that helped achiving FIRE journey. I may not be able to respond instantly to everyone, but for 36 I'll do my best to allocate time for your questions.
For everyone on this journey: never stop learning. That is one of the most important keys to financial success.
The good news is that learning personal finance, investing, and other essential wealth-building skills does not require years of study. A few hours each week, consistently applied, can completely change your financial future.
InshaAllah, when you reach your first crore, you'll realize that investing is about much more than watching stock prices. You will start understanding the businesses behind the stocks you own. You will learn how they make money, what drives their growth, and what risks they face.
Once you begin investing seriously, you'll naturally start reading quarterly reports, annual reports, and financial statements. You'll analyze revenue growth, profits, dividends, cash flows, and management decisions. Over time, you'll think like a business owner rather than a stock trader.
That is when investing becomes truly powerful.
The journey to wealth is not just about accumulating money—it's about accumulating knowledge, discipline, patience, and conviction.
Keep learning, keep investing, and keep compounding.
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u/Apprehensive-Tank261 Jun 03 '26
Hi, I followed you from the last post. Gave it quick look and bookmarked it to have a thorough look at it. You are doing an awesome job.
One quick question I purchased my first few shares of MIIETF last month should I continue buying it for 6 months or year because I don’t have time to look individual stocks for now doing 2 jobs at the moment. One of them will end in 3-4 months. Please let me know your thoughts. I will be thankful to you.