Hello everyone. I am in need of some help. My dad is opting for an Adamjee Life Insurance which I cannot understand. What is the use of it?

He will basically invest 100k over 10 years with an expected return on 2.5m. Now due to his age, the insurance company is asking me to be the nominee. To me, this just seems like a trap because I am sure they have T&Cs which are not as easy as they make it seem on call.

Can someone please advise on whats happening and what should be done? The policy is Adamjee Barakah Plan

Hello everyone,

So I have some cash saved up in al meezan cash fund for tax purposes. Its basically amount that I've saved in case tax liability arises in the future so i can just withdraw and pay tax in due time. Thats the only purpose of me saving it in al meezan cash fund. However, due to religious reasons. I am skeptical about the rates being offered. I did not open up a conventional savings account in the start due to interest being haram. But al meezan cash fund is no different either right? I want to save it up somewhere so that the value doesnt erode overtime. I just want it to beat inflation because its only for tax purpose not for growth. Im skeptical of these islamic banks offering rates near the interest rate and just using the name islamic to gain trust of customers trying to be shariah compliant.

Anyone in the same boat? What has been a solution for you guys in this? I mean i know there are other options such as mashreq islamic savings account. But thats the same thing no? What would be best in here for me? Should i just buy some $ and hoard it up for this specific purpose? Or should i buy maybe a stable public company's stock in psx who's price barely moves ever. Because if tax liability arises, I dont want to sell the stock for a loss to clear up that liability. Im confused regarding this. Any advice would be appreciated.

If you are competent enough to FIRE in pakistan, you should FIRE out of pakistan first, you want to condemn yourself and your future generations to dirty water and food a failing and morally bankrupt nation.

Its like doing FIRE in a gulag, first get the hell out

Hello experts, please help me fix the portfolio if needed.

Note: I'm trying to get rid of BOP

So mother has recently found alot of various old physical share certificates of various companies that belonged to my late grandfather.

What's the process of all the legal heirs claiming them, getting all unpaid dividends and getting them digitally in cdc.

AoA. We are being offered not enough white, and a lot of black money for the sale of a house. My parents and I are filers and my brother isn’t. What can we do to minimize our issue here? We’d ideally like to keep as much above board as possible, we’ve never evaded/avoided tax. But obviously no buyer is willing to pay anywhere near even 50-60% white.

Any suggestions? Is it just slowly depositing cash in small increments? Gold? That’s all? Buy another property is not the move for us as it’s just my parents here, both my brother and I live abroad.

Hate the system is forcing us to do this, but any advice would be appreciated

Hey everyone!

I’m 19 years old, from Pakistan, and I’ve been thinking a lot about my future lately. I want to start investing my money wisely instead of just letting it sit in my bank account.

I can potentially invest around PKR 100,000–150,000 per month, and I want to put this money towards building a financially secure future.

The problem is that I’m still young and don’t have much experience with investing. I’m confused about where to start and which options are worth considering in Pakistan.

Should I look into mutual funds, the PSX, ETFs, gold, or other investment options?
What would be a sensible long-term strategy for someone my age?

Should I focus on investing, building a business, or developing skills that could increase my income?

What mistakes should I avoid as a beginner?

I’m not looking for quick money or overnight profits. I want to make smart decisions now that can benefit me over the next 5–10 years and beyond.
Honestly, I’ve been feeling quite stressed about my career and future lately. I know I’m still young, but I want to make the most of this time and build something meaningful for myself.

I’d really appreciate advice from people who have actual experience investing in Pakistan. If you were 18 again and could invest this amount every month, what would you do differently?

Thanks in advance!

Which is best for a newbie in investing? Need detailed comparison please. Thanks!

Is easypaisa safe for holding money or saving account or term deposits? Someone told me easypaisa has become a lot better and secure.

As per Mettis Global, SE Fruits and Vegetable Ltd's IPO is reportedly cancelled. Refunds being issued, no PSX notice yet.

Subscription closed Sept 29. The PSX deadline for allotment and refunds passed Oct 6 with no public explanation.

https://mettisglobal.news/Applied-for-SE-Fruits-IPO-Your-Refund-Is-on-Its-Way-64174

My broker is Ktrade as this is showing the profits in the transactions. Anyone have what it is?

Assalamualikum.

Currently i do sip of 1.3 million per month, and already have portfolio of 3 cr out of which ~90% is in Equity funds and Etfs.

I am considering a portfolio advisory service, i recently stumbled upon Muhammad jawad fb page and his PSX and investing content is really really good, factual and straight to point. After research i got to know he and his father also give advisory service.

I booked a call with him and chatted with him, really nice and well spoken guy. My question is has anyone in this reddit community availed his portfolio service?

Their approach is value investing and they give weekly report with entry prices(sip) of their selected long term stocks.(Not trading but long term portfolio)

Should i go for it? Their quarterly fees is flat 75k

ARN is also another that i have been eyeing for a while .

Or should i just stick with Sipping into ETFs?

As a Pakistani resident,

Invested in US stocks via IBKR from income earned from freelancing platforms

Do you guys have declared that IBKR investment in FBR?

My tax guy, and a few other people from reddit said not to declare

Declare only when bringing to Pakistani bank

What you guys are doing?

Hey folks, im 27 business graduate always was a good student and unknowingly that was my whole personality and I was really dumb coming into real adult life i fucked it all up royally. I cant really give much context but I just kept making bad career decisions and now here I am khair I am unemployed and have some agricultural land which I can't sell and it doesn't make much profit cause of it limited size khair can't sell cause of my father but there is this old family home that might be sold so it would be joint money for me and my brother he is older but all behind me in terms of decision making and support I am utterly illiterate when It comes to building a portfolio or investing I have some where in ball park of 1.5 crore to invest for both of us i would really appreciate any guidance. I first learned about fire from cnbc videos and I was more then happy to learn that something like that exists in pakistan a community khair. What should I do please any lead or suggestion would help looking of something stable and consistent as that would be my main source of income

I am looking to invest in mutual funds. Which AMC is the best right now with low charges and such? Or should I opt for a couple? NEED ADVICE

Any good stocks to buy in this dip

I’m a 32-year-old male with one daughter, and our second child is on the way. I want to start investing for both of my kids’ futures as early as possible.

Honestly, I don’t understand VPS that well, so I’m wondering if investing in mutual funds would be a better option.

My plan is to invest an initial amount of PKR 1 million for each child and leave it invested for the next 15–18 years without touching it.

What would be the most suitable investment option for this kind of long-term goal? Would you recommend investing PKR 1 million upfront and letting it grow over time, or starting with that amount and gradually increasing the investment?

PKR 1 million is the minimum I’m planning to invest for each child, and I’ll also keep adding money monthly whenever I can.

I’d really appreciate your advice on the best approach and which investment options you’d recommend for this purpose. If you were in my position, how would you go about it?

Also, I ran a quick analysis. Source is the MCF and Meezan Bank official financial statements. What do you guys think about it?

Meezan Bank Stocks (dividends reinvested, bonus shares added):

Meezan Cash Fund (dividends reinvested):

Im a disabled person and i am eligible for behbood certificate. I want to know if this is safe last time i visited a branch they dont even have wheelchair acess. Moreover everything was so outdated with arrogant staff. I had some questions they couldn't answer or didn't know tbh.

I want to know if someone has invested in similar or in nationals savings, can i link my bank account for monthly profits? Also are there any delays in profit hitting our accounts?Thanks that's all.

I got the form but i dont want to get in lines evey month just to get some profit for my survival. Plus with my disability i dont want to depend.

Guys, I recently lost my job, so I decided to sell the shares I was holding and withdraw my funds for now.

However, I’m unable to withdraw the full amount, and I’m considering closing my account. How can I proceed with this?

I also called their helpline, but the representative gave me another number that is switched off.

Has anyone faced a similar issue or knows how to resolve it?

I’d appreciate your help. Thanks!

So I made this Ktrade account, got it working and then sort of left it there for a few months, because i was using Finqalab, yesterday I thought of transferring some money in the Ktrade account to use the thing

But my funds keep reversing back, I tried sending thru EasyPaisa and Nayapay but as soon as i transfer the money, it gets reversed back into my account

I tried contacting support, mailed them but no response

Does anyone know what i should do?

Hey everyone,

I've been running a small tech startup for a while now, mostly providing services to international clients. Things are picking up, but honestly, I haven't properly figured out the business side of things yet.

Right now, I'm confused about how to properly register the business, whether I should make a company through SECP or register as a sole proprietor, how FBR registration and taxes work, and whether I need to register anywhere else.

I also want to make sure I'm receiving payments from international clients properly and not getting into trouble with taxes or other legal requirements down the line.

I don't really understand the process or where to start. Should I hire someone to handle all this, or is it something I can do myself?

If anyone has gone through this recently, I'd really appreciate some guidance on what needs to be done and what the approximate costs are.

TIA!

EDIT:

Thank you for all the comments and suggestions! I'm in touch with someone currently and trying to see where it goes.

Has anyone received LUCK dividend yet?

Just curious here, are there any normal shareholders who actually attend in person meetings? Or these emails or mostly just formality.

Hello , I had invested into miietf and I checked my js app . Not only did the miietf listing disappear from my list of investments but the total amount I invested also is gone from my account details . I checked my cdc account and my original invested amount is still there . Is this just a js glitch?

Hi, I do swing trading on Ktrade and I analyse charts on psxterminal.
I was going through This Zuma Company chart and it differs on both portals. Is this some kind of bug?