Investing

With 485 to 750 securities depending on which tool counts them, nobody can follow the whole PSX. This guide builds a PSX stock screener routine that takes about 30 minutes a week and uses only free tools. It has five steps, sector-by-sector P/E ranges, and a watchlist template you can copy. A worked example shows how a screen can make a stock look 22% cheaper than it really is.

The government Hajj package for 2027 is PKR 1.2 to 1.3 million, and the minister has said costs have risen by more than PKR 300,000 in five years. This guide turns that moving target into a plan to save for Hajj or Umrah in Pakistan. It includes a cost table, an inflation-adjusted target, and monthly savings amounts for a couple. It shows that starting two years late raises the monthly amount by about 1.85 times.

Roughly four in ten Pakistani adults are estimated to have used a committee, yet most never work out who gains and who loses by position. This guide explains how a committee (BC) in Pakistan works, with a worked example showing the month-1 member gains about PKR 8,600 in value while the month-10 member loses about PKR 8,400. It covers the real risks, from default to online fraud, and compares committees with better alternatives.

A bonus share is not free money, a dividend does not make you richer, and an ex-date can fall earlier than you think under T+1. This guide explains bonus shares, right issues, book closure, and ex-dividend dates on the PSX with a hypothetical calendar and worked rupee examples. It also covers the 10% withholding on bonus shares under Section 236Z and what a lapsed right issue costs you.

OGDC’s quarterly earnings nearly tripled in 2026, but PKR 44 billion of it was a one-off tax reversal. This guide explains the PSX sectors one by one: banks, fertilizer, oil and gas, cement, power, and textile. It covers what drives each sector’s earnings, real 2026 results, and a worked example showing how to strip a one-off out of a headline profit.

Online guides disagree on whether Pakistanis can invest in US stocks. Some say USD 50,000 a year, others USD 25,000, and many say there are no limits at all. I read the State Bank’s Foreign Exchange Manual directly. Resident Pakistanis can invest in US and international stocks, but only up to USD 25,000 a year, with a 1% per-company cap, tax-paid funds, Active Taxpayers List status, reporting within a month, and repatriation of proceeds.

Put PKR 100,000 of your own cash behind PKR 400,000 of shares, and a 9.57 percent market fall costs you about 38 percent of your stake in one session. This guide explains how margin trading on the PSX actually works under NCCPL’s rules: the capped markup, daily cash calls, 60-day contracts, and forced liquidation. It uses a worked loss table to show why beginners should be careful.

Every mutual fund in Pakistan publishes a Fund Manager’s Report each month, and most investors never read past the headline return. This guide shows how to read a mutual fund fact sheet in Pakistan line by line, from risk profile and benchmark to the total expense ratio with its government levy portion. It includes a worked comparison showing why one percentage point of annual cost is worth roughly PKR 338,000 over a decade on PKR 1,000,000.

In July 2026, Select Technologies’ retail portion was oversubscribed about 1.7 times. Small applications were fully allotted, and larger ones were scaled back. This guide explains how an IPO on the Pakistan Stock Exchange works, from book building and the strike price to allotment, using real 2026 offerings. It also gives an honest answer on whether retail investors should apply.

Treasury Bills and Pakistan Investment Bonds are sold through auctions anyone with a bank account can join, yet most retail savers have never been shown them. This guide explains how to buy T-bills and PIBs through an IPS account and SBP’s InvestPak portal. It includes September 2026 auction yields, a worked 12-month T-bill example, and an honest after-tax, after-inflation calculation.