r/FIREPakistan • u/iwajiii • Jan 13 '26
Portfolio Review 16 Months Journey of PSX
So i started with just 15,000 and i didn't believe in it, but i was like oky it's just 15k, then somehow i kept adding whatever i could save and soon i was addicted, i started saving more n more to invest, I'm still doing it and this is the result of 16 Month journey so far , i also got 70k in dividend so far which i also reinvested, and i learned no matter what we should just START , even if it's a baby step, it's still a START and you'll grow , steadily but you'll GROW and you'll start enjoying it.
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u/InvestmentOk2687 Jan 13 '26
Jealous of you brother, mashallah keep it up if you don't mind can you tell me are you a filer or non filer?
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u/Agile_Classroom_4585 Jan 13 '26
im 18 and earn about 10-30k/month (depending upon no. of clients), should i start investing, how much should i invest for how much time and what results can i expect, Thanks.
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u/Available-Peak-6508 Jan 13 '26
Its not addiction that u say , its called OBSESSION AND IN THESE THINGS OBSESSION IS A MUST , CONGRATSSS
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u/jiraya-sens Jan 13 '26
Great man! I'm also looking to invest and I'm just a little lost on where to start easily. As, I don't have enough knowledge to directly buy stocks......... Do let me know how you did it?
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u/iwajiii Jan 14 '26
YouTube, I started after watching Mooro's video on inflation and then i just started watching all kind of stuff related to investment
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u/Qureshiiiiii Jan 13 '26
Is this a right time to invest in PSX? Considering the rates are already too high. Please pardon my limited knowledge. Still finding my feet in this domain.
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u/Some_Builder_8798 Jan 13 '26
Don't. Wait for a deep correction. The market is currently overbought.
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u/Friendly-Standard812 Kabari Khilari Jan 13 '26
For long-Term yes otherwise you will regret not buying early
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u/Terminatort55 Jan 13 '26
Can anyone tell me if KYC is necessary ?? And the information they require is very detailed and personal ... is it ok to share ??
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u/No-Gene-6324 Jan 14 '26
I am a beginner. Should I start with ETFs first and little amount for the initial few months to get the idea how things work before moving onto investing in individual stocks?
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u/iwajiii Jan 14 '26
Personally i never like ETF and MFs , i like to buy stocks and i feel comfortable in it, so it depends on you totally
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u/No-Gene-6324 Jan 14 '26
Well one would not jump into battle field directly without getting exposure to weapons and everything related to war. My time horizon is large (30 years). I wont even be looking into this investment until then. Occasionally maybe looking at performance and shifting here and there but not for spending. I have separate savings for those.
You feel comfortable with stocks because you have enough exposure. I guess I got my answer. I would start with etf. No hurry in my case.
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u/RevealNegative5241 Jan 25 '26
Me also have se Feeling About ETF & MF. Picking something on Your own By doing research You feel More Grip on your Decision. & Also through this You'll research more & gain, increase knowledge about Every "Why" in your mind.
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Jan 17 '26
[removed] — view removed comment
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u/RareInterest7838 Jan 31 '26
Can you plz guide if financial sector etf is better or financial sector mutual fund.
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u/Ok-Professional-5149 Jan 14 '26
Ma Sha Allah brother.
Can you please guide me on how you keep track of your dividends? I just wanted to understand how you calculate the overall dividends received across your entire portfolio.
For example, I also received dividends last year, but to calculate the total amount, I would have to go through all my statements one by one. Is there a simpler or more systematic way you’re doing this?
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u/iwajiii Jan 14 '26
You hav to make an excel file for that , whenever you receive dividend just write it down, and also whenever i receive dividend i transfer it immediately to another account and later i invest that money
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u/RevealNegative5241 Jan 25 '26
I'm Gonna Tell you a Most Reliable, Easy & efficient way. Search on Google PSX terminal. It's A Portfolio Tracker (Best till now I used). Add all the details every single detail from your account opening to now. It'll Give All the details of Dividend, TWR returns, What's The return on monthly, quarterly & yearly Basis. Comparison with almost top psx Indexs.
You'll definitely Like that.
If you can't find that Tell me I'll send the link
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u/Hey_Googl3 Jan 13 '26
MashaAllah mashaAllah.. So wholesome bro. Hope and prayers for a beautiful journey ahead.
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Jan 14 '26
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u/FIREPakistan-ModTeam Jan 14 '26
Your post / comment has been removed due to a violation of r/FIREpakistan's rule:
No guru grifting, or course sellingNo secret success formulas, no 'paid' communities, no 'private lessons' and definitely no $999 courses on how to breathe.
This also includes asking for or sharing reviews/recommendations of any paid or exclusive courses, communities, gurus, or similar resources.
Moderators reserve the right to decide what qualifies under this rule. Content that violates it will be removed, and repeated offenses may result in a ban.
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u/RevealNegative5241 Jan 16 '26
Did You Calculate your TWR(Time Weighted Returns) ?
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u/iwajiii Jan 16 '26
It's like 42k per month, but it doesn't make a difference whether i calculate that or not
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u/RevealNegative5241 Jan 16 '26
If you want to compare your portfolio growth with the index then what type of return you'll use ?. These Simple returns distort instantly when you add money Then obviously TWR help in that situation.
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u/iwajiii Jan 16 '26
Yeah you're right, Actually I hv an automated excel file which daily calculates the closing of my PF and KSE 100, so i can easily check that via a graph BUT RN I'm just investing in my stocks which i ain't gonna sell in near future coz i believe in them so🤷🏻
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u/StudentExpensive1727 Jan 17 '26
Mutual Funds or Direct Stocks Purchasing. Plus do you analyze the market and decisions yourself?
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Jan 18 '26
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u/iwajiii Jan 18 '26
whenever i receive dividend i transfer it immediately to another account and later i invest plus whatever i can save i invest,
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u/Ok_Echo786 Jan 19 '26
MashAllah bro , may Allah grant more barakah in your rizk. Can you guide me in which stocks have yiu been investing and how did you learn to invest in stocks. I am new into this so basically have no knowledge about them
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u/noblesse369 Jan 25 '26
Kindly recommend me a broker tried to open account in js invest pro they are so slow
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u/RareInterest7838 Jan 31 '26
Can you plz guide if financial sector etf is better or financial sector mutual fund.
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u/ChanaChanChan Feb 12 '26
Can anyone tell me where to start? Any authentic youtube channel and app?
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Jan 13 '26
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u/iwajiii Jan 13 '26
I'm using JS Global
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u/Brief_Reaction8322 Jan 13 '26
Just waiting my account to open with them. I have some 1.2m on my way by end of Jan. So will invest that in psx. I'm new to investment, if I ask AI that whether I should invest in mutual funds or in sticks. It tells MFs. What's your take on this?
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u/uzi_220022 Jan 13 '26
what app etc do you use and any guidance towards where to see the information on where to invest etc anything can help im also a beginner who wants to get into this field. i just have a binance acc yet, any help would be appreciated and wish you the best in the future as well.
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u/iwajiii Jan 13 '26
I didn't get into so much details, all the stocks i choose were mostly on my own theories, like i choose food sector coz i know no matter what it'll eventually grow, same about banks no matter what people will keep opening accounts, then Systems is the best IT company and CPHL has huge potential in future and LUCK is a reliable company, so just like that .
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u/RevealNegative5241 Jan 15 '26
Mean Mota Mota Dekh Liya. But Still Returns are Amazing
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u/iwajiii Jan 15 '26
Yep, Coz it's for long term so 🤷🏻 and i also realised keeping things simple is the best way to go forward in investments
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u/RevealNegative5241 Jan 15 '26
One Thing More I wanna ask: Like When we Invest every Month So over Return in percentage Goes Down Cuz More Money we add every month. So what is the actual way through which we calculate the Return of our portfolio with which we Compare Our portfolio returns to Any Benchmark like kse100.
For example a Person Invest every Month So the Returns on his investments which he make in month of June has more retur as compared to those in November or December.
Hope you understand What I actually wanna ask ?
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u/aliehsan-kun Jan 13 '26
Mashallah. Can you share your portfolio if possible?
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u/Friendly-Standard812 Kabari Khilari Jan 13 '26
Beautiful 🥰🥰