Seeking Advice on My Shariah-Compliant Long-Term Portfolio (15 Holdings)
Salam Sarmaya Community, I hope everyone is doing well. I would be grateful for your advice regarding my investment strategy. I am in my 30s and started investing through SIP in February 2026 with a long-term investment horizon. Currently, I invest between PKR 30,000 and 50,000 per month depending on market conditions. During market dips, I increase my investment to PKR 50,000 per month, while during stable periods I generally invest around PKR 30,000 per month. My strategy is to hold the top one or two weighted companies from each sector, with investment allocations to each company based on its weight in the KMI-30 Index. I only invest in Shariah-compliant companies and prefer not to include Islamic banks in my portfolio. My current 15 holdings are: FFC, ENGROH, HUBC, OGDC, LUCK, PPL, MARI, SYS, EFERT, SAZEW, MLCF, ATRL, SEARL, NATF, and HALEON. I would highly appreciate your views on the following: 1. Is this strategy suitable for long-term investing? 2. Are 15 holdings too many? 3. If so, how many companies should I keep? 4. Which holdings would you retain and which would you remove? 5. Would you suggest any changes considering my Shariah-compliant approach and exclusion of Islamic banks? Thank you in advance for your time and valuable guidance. I also look forward to learning from the experience of fellow community members. Regards,