FiRe through PSX 💸

PSX Multi-bagger SAZEW is trading above Rs. 1,100. Just a year ago it was less than Rs. 50. Who bought it then and stills holds? My pure fundamentals based strategy grabbed it at Rs. 44 and is still holding it. (2/2)

@Akif_Iqbal_Ktk Data recovery not possible as it has been over-written by Windows. That over-writing has caused the most damage.

@FireThroughPSX Brother its easy to recover data nowadays ...if you still facing issue just DM me i will give you software for free and also info about how to use that soft..

So guys, after further discussions over past 4 days, it stands proven that he stole my data and is blackmailing me by demanding extra money. He has now declined to return the data. Today, received a threat call from some Gujjar! It is now a case for FIA. Wish me luck...

@Maarij0 He not only formatted my drive but also installed windows in that drive. That over-writing has rendered the original data impossible to retrieve. Already checked it myself and also got it double checked from 2 more data recoverry specialists who were unable to recover my data.

@FireThroughPSX sir deleted data can also appaeently be recovered i don't remember correctly but i think if you have the disk you can i did it for someone who's data i accidentally erased while installing linux

@rahimaq22 True. 15% locked return with zero volatility is definitely worth more than 20% return in PSX.

@FireThroughPSX Eh state banks plan is to decrease interest rate over long term. This is all due to Donald Trump and his issues to go to war. But 15% locked in for 5 years is low-key one of the best ways to compound money. Almost the same as psx and it's return over the long term

With the SBP policy rate now sitting tight at 11.50% and 10-year Fixed PIBs yielding around 13%, the math for long-term wealth building is clear. If you want to turn a lump sum into exactly 1 Crore PKR in 10 years, how much do you need to invest today? The answer: ~29.5 Lakh PKR. By locking in a 13% annual yield and letting compound interest do the heavy lifting, your money more than triples. Where can you secure these fixed horizons? 1️⃣ 10-Year Fixed PIBs: The gold standard for sovereign-backed, guaranteed 13% yields. 2️⃣ Naya Pakistan Certificates: Yielding up to 11.50% (PKR) and 7.75% (USD) on a 5-year rolling re-investment strategy. 3️⃣ Single-Premium Endowment Plans (e.g., Jubilee Insurance): Combines fixed-income fund compounding with an added life insurance safety wrapper over a 10-year term. #PakistanEconomy #FixedIncome #PSX

@rahimaq22 I'd rather wait. I just keep contemplating whether is it sensible to just wait for a high rate on INPCs or better watch stock market and see an irrational crash. In 2024, HUBC suffered due to market panic. In 2025, it was ENGROH. Both returned near 100% soon after.

At the moment I believe Islamic Naya Pakistan Certificates are being offered by multiple banks like Standard chattered, meezan, Faysal etc. You can lock it in 11.5% rn. I would suggest since yields in secondary markets are as high as 13% you can wait for policy to increase and than lock in at 13%

I decided to spend my vacation in Pakistan. Given the volatility at every level here, I did expect to get heavy shocks. 22.05.2026: An as**ole computer technician in Lahore formatted my laptop drive DESPITE me clearly warning him to not mess with hard drives of laptop!

Nice read

@Ab_1_1_1_1 He never left Pakistan and with this portfolio his generations don't need to leave either.

Many overseas Pakistanis, who do not invest in Pakistan citing currency devaluation. Recently, met a relative who shared story of his work colleague who is now a PKR billionaire in 2026 (USD millionaire) by starting with Rs. 350k in 2000 with a dairy farm. USD CAGR is at 28%.

@zeeshangla Well, too many excuses if one is not focussed on doing something.

@FireThroughPSX Everyone wants But who knows doesn't have money, who has money doesn't understand the system The system is too complicated.. Except real estate there is a very low chance

@Zain_ul7 Perhaps, local dairies don't pay taxes. Also, the management of desi dairies isn't as professional and usually done on their own land that helps in keeping the costs extremely low.

@FireThroughPSX Bro which dairy farm is this. You don’t get more than 20-30% return max under any possibility.

@ArslanK70168819 Well, late entry into real estate caused losses. But that doesn't hold true for all asset classes - dairy is one such example. Also, among stocks MEBL, SYS, MARI have earned massive wealth for their investors.

@FireThroughPSX An oversees pakistani i know had invested 8 crore in real estate and sold it for 13 crore, but when converted into dollars his principle amount had decreased by 28%.

@sulemaniya_ Indonesian stock market was warned to increase the free float. They also have low free float and highly manipulated stocks. I just wonder SLM management did this to offload their investments at inflation valuations. SLM is now among the among top 20 KMI Halal stocks!

SLM- Service Long March- A mockery of a book building process for retail investors Hello Tweeps. Sharing my insights here on SLMs book building. The recent Book Building of SLM (Service Long March Tyres) can best be described as a mockery of the IPO process. Firstly, the company is only issuing 5% shares (292 mn shares) and secondly some Investors (banks, Mutual funds and a few others) were bidding without any margin (with potential bids of investors bidding 20mn or above shares being around 1.65bn shares (not backed by any amount but done presumably to pump up the price of the stock post listing) while others like retail investors, HNW investors were on the receiving end as they are the ones investing their own money while the Funds and or banks have public money. As of right now 3.3bn worth of shares have already been bid so effectively 8.8% or lower will be the success rate. There needs to be an understanding that the rules of the game should be the same for everyone (every investor should place 100% margin or there should be 0 margin for everyone). The fact that some investors are able to benefit more by putting up less should not be there to begin with. Also for companies doing IPOs there used to be a minimum requirement of 25% free float on IPO/ offer for sale which should be restored so managements don’t do these 5% or so exits/ IPOs to game the system. The Entire Process seems to be a mockery of the IPO/ Book building process where the stock even after hitting the 40% max upside will see a few locks post listing due to this bidding frenzy. There should be automatic Green Shoe options exercisable in these instances by the Secp or PSX (to increase liquidity and reduce the speculative interest) rather than the company else don’t let these listings come to the mkt where the public won’t get any shares! Also the public getting less than or around 8-9% of this issue won’t be able to make sizable gains so this IPO/ Book Building is much ado about Nothing! Do let me know your views?

When USA is in trouble, it spreads quickly to rest of the word. USA's biggest export is dollar driven inflation globally.

The 10-year Treasury yield is perhaps the most important financial benchmark in the global fiat system, as it drives valuations and market trends worldwide. It is widely—and erroneously—regarded as the risk-free rate of return. The 10-year Treasury yield can be thought of as a key barometer of the US dollar-based fiat system—a critical measure akin to its beating heart. Bond yields move inversely to bond prices. When bond prices fall, bond yields rise. A rising 10-year Treasury yield signals trouble for the US dollar because it means investors are selling Treasuries, which pushes up the US government’s borrowing costs. That is why the 10-year Treasury yield is a major pain point for the US government. The 10-year Treasury yield was 3.97% when the war started. Now it is around 4.60%, an increase of roughly 63 basis points. I expect the 10-year Treasury yield to keep climbing over the coming weeks and months—until it forces the Fed’s hand. At that point, the intervention will be sold as “stability,” but the mechanism will be familiar: suppress yields by debasing the currency. At today’s debt levels, every 1 basis point increase in the government’s average borrowing cost adds roughly $3.9 billion in annual interest expense. So a 63 bps rise is not trivial—it translates to nearly $250 billion in additional yearly interest costs, materially widening a 2025 budget deficit that was already around $1.8 trillion. Higher yields mean the US government must pay tens or even hundreds of billions more in interest on its debt. At the same time, the global economy faces even greater added costs because Treasury rates serve as the benchmark for borrowing worldwide. That is not an insignificant move. However, given all the headwinds I have discussed, I suspect the 10-year Treasury yield is headed much higher because investors will demand higher yields to compensate for rising inflation. Further, if Hormuz remains closed, drastically higher oil prices are all but certain. Higher energy prices mean higher prices across the economy and higher official inflation rates, which means investors will demand still higher yields to compensate. The problem is that interest on the federal debt is already over $1.2 trillion and is now the second-largest item in the budget. The US government cannot afford yields going much higher because the interest expense would push it toward bankruptcy. I am not sure how—or even if—the US government can manage this situation. Something has to give, and we will not have to wait long to find out what. The Iran war may prove to be more than another foreign policy disaster. It could be the trigger that exposes the fragility of the entire dollar-based financial system.

@ShayanAslam_92 For RDA, the process took longer. I just avoided IPO subscribing afterwards. Good ones get too much attention and bad ones don't deserve a subscription. Even for good IPOs the top ceiling price turns them into bad investments.

@FireThroughPSX It doesn't happen now the balance amount comes the very next day of the Book Building

One of the reasons I didn't go for this IPO. If I'd put all my capital in it, I'll only get a portfolio weight of 5.9% that too at less desired valuation of "ceiling". Even if it doubles, doesn't matter much. Leason learned from BFAGRO IPO that blocked funds for 2 weeks.

Stock market regret can come from: - by buying - by not buying - by selling - by not selling Personally, what hurt me most was "by not selling". All other regrets vanished quickly.