Abdul Rehman Najam

A common belief in Pakistan: you need Crores to build serious wealth through the stock market.
The reality: consistency matters more than your starting capital.
Start with Rs25,000 a month.
Increase that investment by 10% every year.
You don't need to make extraordinary bets. You need to keep increasing your ownership in productive businesses and give it time.
At 16% annual return, that Rs25,000/month growing contribution becomes:
5 years: Rs 26.57 lakh
10 years: Rs 98.58 lakh
20 years: Rs 6.91 crore
The first few years won't look impressive. That's the point.
Wealth isn't built by waiting until you have enough money to invest. It's built by investing what you have, increasing it as your income grows, and staying invested long enough for the numbers to become meaningful.

20 hours ago (edited) | [YT] | 52

Abdul Rehman Najam

Record setting trend continues for accounts opened for investment in 🇵🇰🇵🇰 PSX, almost 25,000 more people started their investment journey in August 2026 ✅✅

Slowly but surely, 🇵🇰🇵🇰 citizens are realizing PSX is the best asset class of Pakistan. We have now crossed 600,000 individual accounts.

There is nothing like becoming equal partners with top businessmen of Pakistan.

1 day ago | [YT] | 77

Abdul Rehman Najam

Insurance isn't an investment, but it definitely can protect everything you've invested.

You spend years building a portfolio.
Then one major medical expense, accident or loss of income forces you to liquidate it.

Now you've lost more than the money you needed. You've also lost the future growth that money could have generated.

That's why insurance matters.

It isn't about maximizing returns. It's about protecting your ability to stay invested.

Your portfolio builds wealth.
Your emergency fund provides liquidity.

Insurance protects against risks too large for either to absorb.

Building wealth isn't only about making money.
It's also about making sure one bad event doesn't destroy years of progress.

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

1 day ago | [YT] | 43

Abdul Rehman Najam

Night view of Thar Coal Block 1 Shanghai Electric.

This 1320MW plant can produce approx 8-10Bn units (kwh) annually at variable cost of less than Rs6/kwh.

Thar coal is 🇵🇰🇵🇰 energy lifeline.

2 days ago | [YT] | 94

Abdul Rehman Najam

Your emergency fund shouldn't be based on how much you earn. It should be based on how much it costs to keep your life running.
Someone earning Rs500,000 and spending Rs150,000 should have smaller emergency fund than someone earning Rs200,000 and spending Rs200,000.

Emergency is not there to protect your income, but to let you live your lifestyle for 6-12 months

Think in terms of months of essential expenses, not months of salary.
Rent. Food. Utilities. Debt obligations. Essential commitments.

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

2 days ago | [YT] | 82

Abdul Rehman Najam

What matters more when you're evaluating a company?

3 days ago | [YT] | 49

Abdul Rehman Najam

This is what I ask myself before making any investment decision

- What exactly am I buying?
- What is it worth?
- What could permanently damage the Investment?
- What premium am I paying for future growth?
And most importantly:
- What would make me admit I was wrong?

Once you own the stock, emotions enter the equation.
A falling price feels personal… A rising price feels validating…

You start defending a decision instead of analysing it and that's why your discipline should be built before you buy.

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

4 days ago | [YT] | 44

Abdul Rehman Najam

Why I always keep an emergency fund
It isn't supposed to make you rich.
It isn't supposed to beat the market either.

Its job is stop you from panic selling.

Your portfolio falls 20-25%. Then an emergency hits.
Your car breaks down, or you lose your job. Or any major expense appears.

Without cash, you may have to sell investments at exactly the wrong time..
It's the one thing you can stay invested in when life doesn't go according to plan.

It enables you do heavy compounding in your main portfolio.

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

5 days ago | [YT] | 64

Abdul Rehman Najam

Many of my friends, trying to get higher returns than the average stock market, end up destroying their financial freedom journey.

Getting more profits than the average Index is a skill which needs deep knowledge, structured learning and solid frameworks.

As a long term investor: You do not need to outsmart the market.
You just need to control your emotions.

The market does not require genius-level insight to generate long-term returns. PSX has compounded at roughly 16 - 18% annually over 25 years, available to anyone who simply stayed invested.

What destroys your returns is not lack of intelligence. It is panic-selling during a crash. Chasing a stock after it has already doubled. Checking prices daily and reacting to noise.

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

6 days ago | [YT] | 50

Abdul Rehman Najam

Exactly after 5 years, 🇵🇰🇵🇰 State Bank $$ reserves have crossed $20 billion, more than 3 months of Imports.

Few hours back 🇵🇰🇵🇰 raised $3 billion through Eurobonds at 7-8% rate.

Now it is time to support exports of goods & services ✅✅

6 days ago | [YT] | 83