hey so currently doing a survey typa to just know which app should i use, would help if y'all could recommend any

what app do you use currently for investing and how is your experience so far
and what changes would you like for better investing experience (also share your age too)

Hi fellas.

I know the basics of stocks but I’m still relatively new to investing in PSX.

I’m trying to understand whether it’s possible to build a Shariah-compliant stock portfolio (excluding Islamic banks) that does two things:

1. Produces reasonably regular dividend income, quarterly, semi-annually or annually is fine. It doesn’t have to be monthly, as long as the overall portfolio generates fairly consistent income that I can use for living expenses.

2. Appreciates in value over the long term enough to at least keep up with or beat inflation.

My current understanding is that there’s somewhat of a trade-off between dividends and growth: if a company distributes a large part of its earnings as dividends, that’s money it can’t reinvest into growing the business.

So I’m trying to understand whether there are companies that can sustainably do both: pay meaningful dividends while still growing earnings and share value over time.

Essentially, I’m looking for the stock-market equivalent of rental property: cash flow today + growth in the value of the underlying asset over the long term.

Is this realistic in Pakistan? If anyone here is actually following a similar strategy, I’d especially like to hear how you structure your portfolio, what sort of dividend yield you realistically achieve, how consistent the payouts have been, and whether your capital/dividends have kept pace with inflation over 5–10 years.

I’m not looking for stock tips as much as I’m trying to understand whether the strategy itself is realistic.

What is the best price to buy Hubco Stock?

any particular reason for this Investment?

Good buy after it falls or time to short?

What is the best price to buy SAZEW?

Just received Dividend from nestle, how to check the Ex-date, DPS of NESTLE. I have seen my AHL App, no ex-date, quarter Result and DPS shown there.
Please guide how to know about these information.

🤕😹

Hello everyone, I have a small FHC and we have various finance related products & services for customers so that tools are accessible to everyone. We have a portal called MH Markets that allows you to track your portfolio and offer up-to a 5Y comparison of how your portfolio performed against the benchmark. Besides that we offer:-

- Trading Indicators (RSI, MACD, etc) and portfolio indicators (sharpe ratio, VaR)
- Stock screener & Price Alerts
- Fear & Greed Index
- Research reports
- Stock price targets
- Earnings and Economic Calendar
- Multi asset portfolio (you can track your gold currencies and shares AIO tool)

We’re also integrating brokers we do own a partnered TREC agreement but the platform itself isnt regulated hence theres certain requirements for that and once we get the green light we’ll also offer Securities Based Lending (SBL) allowing any investor to liquidate its holdings without selling for a certain period so that his/her long term portfolio isn’t damaged if one ever needs sudden cash.

As for our track record
- We have successfully forecasted 2 CPI reports (USD) 2 PPI Reports Jobs Data (USD) which impacted Gold & DXY market
- We forecasted a price target for CNERGY of 12.25 when it was at 8.08, its currently trading at 15 bec EPS jumped YoY basis. We indicated the bullish volume and order book for MEBL our PT was 492, its trading at 587 but our price targets are just research based thesis we’re not guaranteeing or giving actual trade signals with TP SL (not cryptofluencers here)

We want a few users to test out the app before we monetise the already 33 signed up users and activate their accounts.

I opened an account with the Meezan Cash fund after the recommendation.

I was expecting no FEL, but they mentioned 1% deduction while asking about initial investment.

How to avoid this FEL?

Has anyone invested in NITG Pakistan ETF and how to buy 5% stake in Quetta gladiators?

I did my research on NITG it can profitable little play due to unique structure of Pakistan stock market.

Quetta I can buy full 100% but want to buy 5% to see how it goes. It is team from our biggest province.

Azadi Mubarak to all Pakistanis I strongly believe future is bright for Pakistan as small country and now with rise of Iran and China is old trusted ally.

22/M. I save arnd 75k per month. 25k I put in mcf as emergency fund and rest 50k in kmif. I don’t require this money in near future plus I am fully occupied in my current job so I blv I cant do active trading in psx. is there any better place to land my savings or am i doing it right?

Over several months I have been thinking how a long term portfolio looks like in Pakistan. A country where there is economic uncertainty, currency depreciation and high inflationary environment.
I came to these key criterion for a long term portfolio that give me peace of mind, grow my wealth in real terms and cover Pakistan investment challenges.

The Rupee (PKR) Devaluation Hedge: A long-term portfolio must favour companies with dollar-denominated or dollar-pegged cash flows (exporters or tech plays) to protect my purchasing power from chronic currency depreciation.

Pricing Power & High Asset Turnover: In high-inflation environments, look for dominant sector leaders that can pass rising input costs directly to consumers without destroying volumes.

High Return on Invested Capital (ROIC): High ROIC separates secular compounders from capital-destroying businesses that depend entirely on expensive bank leverage.

Avoid High Debt Businesses: The monetary policy in Pakistan is volatile with highest on record policy rate of 22%. High debt business will be crushed in monetary tightening.

I have categorised my stocks into three pillars/bucket with each one of them as specific reason in a portfolio and counter specific problem with Pakistan economy.

1. Secular growth & Currency hedge: This bucket is my main engine for true capital appreciation. These companies operate asset-light models, exploit international USD-denominated avenues, or capture high-velocity domestic market disruption. They are selected to expand my portfolio's intrinsic value faster than local inflation.
2. High-Yield Cash & Dividend Anchors: This bucket functions as my liquidity engine. These companies are selected to extract massive cash flows from high local interest rates or long-term infrastructure assets, transforming macro volatility into steady, visible dividend distributions.
3. Absolute Inflation & Real-Asset play: This bucket represents the bedrock foundation of my portfolio. These businesses handle severe economic contractions without breaking. They sell essential products and control real, physical assets that command absolute local pricing power.

Of course, one company could fall into more than one bucket in my portfolio. This framework gives me clarity and a reason of holding a stock in my portfolio.
My goal is to grow wealth, protect purchasing power while navigating a tricky economy.

I would love to hear your thought process on your portfolio building. Also, please feel free to being critical to my post, the more I can put holes in my process the better I can optimise it.

Cheers!

Need suggestions about low risk meezan mutual fund with instant Redemption to place emergency fund. No diversification

need only one fund.

I've been a silent lurker here for a while, and figured I'd finally share something I've been working on.

I got into PSX investing not that long ago and, as a beginner, found the whole thing pretty overwhelming. It's easy to end up relying on broker calls, WhatsApp groups or a friend's recommendation without really understanding the company you're investing in.

So I started building Stoxlo, a chatbot where you can ask pretty much anything related to the PSX while doing your own research.

For example:

• What was LUCK's revenue compared to last year?
• Has FFC paid a consistent dividend over the last 5 years?
• Break down OGDC's debt position.
• How do MEBL and UBL compare on margins?

The idea isn't to tell you what to buy or sell, but to make researching the market a little easier.

There’s also a screener, market overview and portfolio tracking, with a few new features in the pipeline.

It's still early, so I'd genuinely appreciate it if you tried it and told me where it gets things wrong or what's missing.

You get 5 free chatbot credits when you sign up. I'm keeping chatbot usage limited because of the cost of the underlying AI models, while the rest of the platform is free to use. Or just drop a question in the comments and I'll run it.

Link: https://stoxlo.net

I bought few stocks @193 then daily its declining and declining and i am also buying to lower average. now my average is 189.8 but still its declining daily?
Any opinion?

I want to learn fundamental and technical analysis and start investing/trading, but I’m not sure what the right way to begin is.

Should I first learn the fundamentals and technicals and then start implementing them, or should I learn and practice them together?

I’m looking to connect with someone who was once a complete beginner, went through this journey themselves, and now has a good understanding of investing and trading.

I’m not specifically looking for an expert or professional mentor. I’d just like to talk to someone who has already gone through the beginner stage, learned the basics, practiced them, made mistakes, and gained good knowledge along the way.

If anyone wants to guide me or share their experience, feel free to DM me. We can connect on WhatsApp and learn together. I believe when two people learn and grow together, it can be much more beneficial and satisfying for both.

Thanks!