Abdul Rehman Najam

The market situation has never convinced me to sell a good business.

Only a negative development in the business itself can.

Traders watch stock prices but Investors watch businesses performance.

If earnings deteriorate, competitive advantages weaken, management destroys capital, or the investment thesis changes, I reassess.

But a falling share price alone has never been a reason to sell. That's the difference between trading and investing.

Traders react to volatility. Value Investors respond to fundamentals.

The market will always fluctuate.

Your conviction should depend on the business, not the ticker.

A falling price doesn't change a great business.

Are you a business reader or a share price reader? Tell me in comments

23 hours ago | [YT] | 56

Abdul Rehman Najam

One investment turned Rs32 lakhs into Rs86 lakhs. And the other turned it into more than Rs3 crore.
Guess which one most Pakistanis would have chosen?

In 2016, Rs32 lakhs could buy a 5 Marla plot in LDA Avenue, Lahore. Today, it's worth around Rs86 lakhs.

The same Rs32 lakhs invested in Lucky Cement would be worth more than Rs3 crore today. Plus dividends.

But what most people forget is:

From 2019 to 2022, that stock went almost nowhere. The economy struggled and many investors sold. Those who understood the business stayed invested. Intrinsic value of the business was going up but share price was slow to respond

Investing is a lot about patience. Why do I share this now? Because the USA Iran War will test your patience, it will be volatile, it can get rough.

Just remember, good businesses are almost always increasing their value.

1 day ago | [YT] | 116

Abdul Rehman Najam

I have two checklists. A checklist of what to buy. I have another list of what I will never touch. The second list has saved me more money

What type of companies come in the second list:

1- The companies where customers pay after 4-5 months. Poor cash conversion is not a minor issue. It quietly destroys businesses from the inside.
2- The companies below 5% net margin. So much effort, little result.
3- The sector which is full of undocumented competitors paying zero sales tax and income tax. You cannot compete on price against someone playing a different game.

Avoiding the wrong companies is a skill. It may be more valuable than finding the right ones.

Which of these traps have cost you money? Please share in the comments.

2 days ago | [YT] | 79

Abdul Rehman Najam

What would you do if someone offered Rs48 lac for your Rs50 lac plot, probably you would ignore and say no, you wouldnt think something is really wrong with my plot.

This Tuesday, PSX dropped by exactly that percentage: 3.6%.

And people are panicking.

6,400 points sounds catastrophic. But points are not percentages. A 3.5% correction on property would not even register. Why does it make you question your entire investment thesis in stocks?

Because you dont know the actual value of your stocks, the value of the business behind the company.

This is the knowledge that separates value investors from the rest.

What are you doing in this correction? Please share in the comments.

3 days ago | [YT] | 76

Abdul Rehman Najam

Want Rs1 lac a month in passive income?

If I start saving and investing today in PSX, how long will it take until my portfolio will be worth around Rs1.5 Crore and will give around Rs1 Lac passive income every month, using average long term PSX returns, and annual 10% increase in monthly investment

Invest Rs10,000 a month: 16 years.
Invest Rs20,000 a month: 12-13 years.
Invest Rs50,000 a month: 8-9 years.

8 years feels like a long time, until you remember how fast the last Eight went.

That window has already passed once, do not let it happen once more. So start today.

Want advice on your financial freedom journey: www.arnfinancials.com/financialfreedom/

4 days ago | [YT] | 83

Abdul Rehman Najam

Pakistan's long term inflation is 9-11%.

Your savings account pays around 10-11% before withholding tax.

After tax, your effective rate is roughly 7-8%.

You are losing real purchasing power every month.
And calling it saving.

This is not the bank's fault. It is the financial system.

A savings account is designed to hold money safely, not to grow it. The bank profits from your deposits and returns a fraction to you.

Pakistan's equity market returned 43-44% in FY26.

Even a conservative, diversified PSX portfolio has beaten inflation meaningfully over the last 5-years, and the last 25 years as well.

The gap between your savings account and the stock market is not risk.

It is knowledge & financial literacy.

Once you understand what the PSX actually is, ownership in Pakistan's best businesses, the decision becomes easier to take.

Short term savings: Savings account is good.

For Long term savings: PSX is most appropriate.

Is your money working for you or just sitting? Please share in the comments.
Want advice on your financial freedom journey: www.arnfinancials.com/financialfreedom/

5 days ago | [YT] | 79

Abdul Rehman Najam

More than 200 listed companies on the PSX just became more profitable overnight.

Not because they worked harder. Not because their products improved.

Because the budget 2026-27 abolished the super tax for companies earning under Rs500 million and cut it from 10% to 8% for larger ones.

Super tax was a direct drag on corporate earnings. Less tax means higher profit. Higher profit means better dividends and stronger valuations.

For equity investors, this is exactly the kind of policy tailwind that quietly improves profitability of companies over the years.

This is not a time benefit, but a structural change.

Are you holding any of the 200+ companies that will benefit from this? Please share in the comments.

6 days ago | [YT] | 77

Abdul Rehman Najam

Rs10,000 a month. Less than one family dinner at a decent restaurant in Pakistan.

Most people spend more on monthly subscriptions they do not use.

Invested consistently in the PSX at a conservative 16% annual return over 25 years, Rs10,000 per month becomes something that permanently changes your family's financial trajectory.

The number: approximately Rs3.5 crore.

Not a lottery. Not a business tip. Not a lucky investment.

A consistent Rs10,000. Every month. That's it

The problem is not that Pakistanis cannot afford to invest.

The problem is nobody has shown them what their money actually becomes over time.

Now you've seen it. Partnership with top businessmen is always a good deal in the long term.

Where are you in your investment journey? Please share in the comments.

Want advice on your financial freedom journey: www.arnfinancials.com/financialfreedom/

1 week ago | [YT] | 115

Abdul Rehman Najam

You earn in dollars.
You save in dollars.
You think you're ahead of most Pakistanis. You are, but only on one measure.

You're preserving wealth. But You are not building it.

This is the pattren I keep seeing with Pakistan's tech professionals.

High income. Strong savings discipline. Everything sitting in a dollar account or invested in property to "feel safe."

The dollar has appreciated in PKR terms. Your savings have grown. You feel smart.

But dollars earn no dividends. Dollars don't compound on their own. Rs1 crore sitting in a dollar account is not working for you. It is just sitting there.

The tech professionals I know who are building real wealth are converting their dollar savings into equity, Pakistani and global.

High income is the opportunity. Equity is the long term financial freedom solution.

Are you investing your tech salary or just saving it? Please share in the comments.

1 week ago | [YT] | 88

Abdul Rehman Najam

I ask every investor the same three questions.

Almost nobody knows the answer.

Number one: What is your real inflation rate this year? Not the headline number. The actual cost of your life: food, school fees, rent, utilities.
For most Pakistani households: 10–13%.

Number two: What is your savings account paying you after tax?
Most banks today: 6–8%.


Number three: What has the KSE-100 returned on average over 25 years? Approximately 18-20% annually.

Now look at the gap.

Your savings account is losing to inflation. The stock is creating real wealth for you.

This isn't complicated math.

It's information most people never understand

Knowing these three numbers changes how you think about every rupee you have.

Which of these three numbers surprised you most? Please share in the comments.

1 week ago (edited) | [YT] | 103