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Sarmaaya Skool

3.3k members • Free

AKC Program

920 members • Free

110 contributions to Sarmaaya Skool
Laeeq Ahmad's Faysal Bank Post Just Went Viral, And For Good Reason
A few days ago, our CEO Laeeq Ahmad shared a personal investment story on LinkedIn that blew up across Pakistan's finance community. Thousands of shares, hundreds of comments, and one very simple lesson that most people overcomplicate. Here's what he posted: In 2020, he bought 15,000 shares of Faysal Bank (FABL) at Rs 21 per share. Total investment: Rs 315,000. No trading, no panic selling, no watching the screen every day. He just held. Fast forward to today, here's what that patience looks like in numbers: - Entry price: Rs 21 → Current price: Rs 88 - Total dividends received: Rs 352,000 - Current portfolio value: Rs 1.67 million - CAGR: 32% per annum - Current dividend income: Rs 19,500 The headline of the whole story? His dividends alone, Rs 352,000, have already exceeded his original investment of Rs 315,000. He got his full capital back in cash. And he still owns all 15,000 shares. The Strategy Was Really Simple: No fancy indicators. No margin trading. No timing the market. Just three things: 1. Pick a fundamentally strong company. Faysal Bank is a major Pakistani Islamic bank with consistent earnings and a reliable dividend history. Not a speculative stock, a real business with real profits being shared with shareholders. 2. Buy during fear. 2020 was a crash year. COVID had shaken markets globally. Most people were running away from stocks. Laeeq walked in. That's where long-term wealth gets built, when others are panicking. 3. Hold. Just hold. Pakistan's economy went through multiple tough patches after 2020, inflation, currency devaluation, political uncertainty. He sat through all of it. And the compounding did its job quietly in the background. The deeper point he made in the post: once your dividends exceed your original investment, your entire relationship with the market changes. You stop fear-selling on dips. You stop obsessing over the price. Because the game has already been won. The money is now making money, and that Rs 19,500 in dividend income now covers his petrol tax. A real expense. Fully funded outside his salary.
0 likes • 2h
@Shahid A Surely, you can start with classroom, go through the classes. Then you can ask here in community on specific problems or concerns.
Why the Boring Investor Always Wins | The SIP Strategy
Your salary will end one day. Your expenses won't. The only question is, are you building something that pays you when you can't work anymore? Every big fortune started with one small, boring, consistent decision. Invest a little. Every month. Without fail. That's a SIP, Systematic Investment Plan. No timing the market. No waiting for the "right moment." Just you, a fixed amount, and time doing the heavy lifting. Here's what ₨5,000 a month builds at 18% annual return šŸ“… 10 years → ₨ 16.7 lakh šŸ“… 20 years → ₨ 1.07 crore šŸ“… 30 years → ₨ 6.5 crore You invested ₨ 18 lakh. The market gave you back ₨ 6.5 crore. That's not magic. That's compounding at work, and it only works if you start. Starting at 25 with ₨ 5,000/month will make you wealthier at retirement than starting at 35 with ₨ 15,000/month. Time is the ingredient money can't buy back. You don't need to be rich to start a SIP. You need to start a SIP to get rich. Now we want to hear from you šŸ‘‡ Are you doing a SIP right now? Which fund are you investing in, and how old were you when you started? Drop it in the comments. Your answer might be exactly what someone else needed to finally take the first step. šŸš€ We recently did a video on SIP and how you can continue with your regular investments every month irrespective of markets going up or down. Watch Now: https://youtu.be/AMF9z97FnfM?si=KyAmiUXRJiOFR9HH Disclaimer: 18% is based on historical average returns of high-risk equity mutual funds in Pakistan. Past returns do not guarantee future results.
1 like • 28d
@Ameer Popcornwala This is honestly the smartest approach. What you're doing is called Dollar Cost Averaging, price goes up or down, you keep buying consistently. Your average cost balances out over time and you remove emotion from the equation entirely. MEBL, FFC, and MARI are solid picks too, a bank, a fertilizer giant, and an energy play. One word of caution though, make sure you have a separate emergency fund. Your portfolio should never be your financial lifeline. Other than that, you're playing the long game perfectly. Keep going! šŸ’Ŗ
0 likes • 2h
@Sheraz Khan Investing in fundamentally strong companies on the PSX has historically delivered returns well above 7-9% inflation. So not only do you beat inflation, you build real wealth over the long term. The key is picking the right companies and staying consistent with your SIP!
Profit Booking start
Aj half portfolio sell kr diya šŸ˜Ž Kis kis ny aj buying ki??? Boht intzaar krwaya aj k din nyšŸ˜‚ next bearish divergence kn sy level py bny gi ya kn sa resistance level ho ga koi technical analyst bta sakta??
Profit Booking start
0 likes • 3h
what are your reasons of selling it?
šŸŽ‰ Ammar's PSX Session is now available in the Classroom!
We've broken down Ammar's in-depth PSX session into shorter, focused videos, each covering a different sector of the Pakistan Stock Exchange. Dive in to learn: āœ… How each sector is currently performing āœ… The top companies within each sector āœ… Recent performance trends āœ… How to pick the best stocks using Sarmaaya's Aggressive Ranking tool Head over to the Classroom section of the community and start exploring! šŸš€
šŸŽ‰ Ammar's PSX Session is now available in the Classroom!
Pakistan at a Turning Point, Are You Positioned Right?
Two massive developments just hit at the same time, a historic peace agreement with Pakistan playing a key diplomatic role, and a Federal Budget that caught a lot of investors off guard. While most people were frozen by uncertainty, the PSX rallied 2%... and a simple PKR 10 lakh portfolio quietly returned 13–15% without a single panic trade. In this episode we connect the dots, geopolitics, budget breakdowns, sector winners, and what it all means for your money right now. šŸŽÆ If you want to stop reacting to the market and start reading it ahead of time, this one's for you. šŸŽ„ Watch here → https://youtu.be/94JneJl02ks?si=8ZZkPwkt7-a28DXp Which sector do you think benefits most from the 2026–27 budget? Let us know below šŸ‘‡
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Kainat Gul
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@kainat-gul-7312
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Joined Apr 26, 2026
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