r/FIREPakistan

I have around 30k rn and I want to invest them can someone plz help me out I have 0 knowledge about stocks and investments

22M here. I started investing around 9–10 months ago. I save a decent amount every month, so I wasn’t really sure where to put my savings. I heard about PSX and mutual funds, so I started investing/sipping every month.
But ever since I started, my portfolio has basically been stuck at no profit, no loss, and now I’m actually in the red 😭 It’s been 10 months, kuch tou green dikha do yaar 😭
Btw, I’ve only invested in blue-chip stocks and ETFs because I didn’t want to take too much risk. But honestly, my expectations were way higher. I was at least hoping for a 10–20% ROI, but I’m sitting at around -5% right now. I genuinely feel stuck at this point.
And then there’s crypto 💀 I’ve invested in ETH, BTC, SOL, SUI, XRP, LINK and LTC, and I’m down around -30% there too.
Please tell me I’ll eventually get out of this 😭🙏🏻 Am I just being impatient, or am I doing something wrong?

Whats wrong with SYS Stock? Why it keeps going down?

Sazgar price is going down is it a good time to buy?

And whats the specific reason for it's decrease

Any chance of it going up soon?

SPAC is essentially a blank check company which raises funds solely to invest in other target companies. LSE SPAC1/2 both cost around 14PKR a share, while their actual capital is around 10 PKR. So, investors are paying premium of around 40%. Investors knew about SPAC1's target company but no information was available for SPAC2's target.

On other hand, decommissioned IPP's have large cash and cash like reserves, massive real estate holdings as well as their power plants are worth billions even if they were sold at scrap value.

Take LPL (Lalpir as an example). They had 9.6 billion PKR in "short term investments" (these are mostly treasury bills etc) at their last report. Their plant is worth another 1.6 billion in their books. Probably lot more considering recent sale of GT-3 and GT-4 (together ~160 MW versus LPL's 362MW) for 800 million PKR. Their actual asset value is easily over 40PKR a share.

While LPL trades at just 21PKR. This results in around 50% discount. Lalpir recently took some stake in Rafhan Maize.

KAPCO has got it even more extreme with much higher discount to their book value (63 book value vs 28 trade value). Their power plant is also on way more prime land connected to Kot Addu town. Their land is easily worth more at least 15 times more than is recorded on books.

NPL and NCPL were in similar boat. But their investment into auto sector brought attention to them. All these other IPPs just haven't got that attention.

So I started investing in the stock market from May/June 2025 onwards. I started with a million and whenever there was a dip, I’d buy more. I bought a lot during the US-Iran war dip. I eventually reached 10 million. And that’s where I decided to stop.

The reason? After a year and 4 months, my total unrealised gains today stand at Rs 140,000 (and this figure will likely decrease because the market will perform poorly this week). That’s a 1.4% gain. Dividends stood at 225,000.

Also, I only bought blue chip companies. The best ones.

Had I parked this money in my bank account, I would get around 9% interest on it (Rs 720,000 after tax).

I would’ve gained more in national savings or prize bonds. Or even Sukuk bonds. And I feel like I’m stuck in this bearish market for at least another year of no profits.

Should I pull out and invest somewhere else?

I’ll be investing from the first week of September onwards as my salary comes. I plan on starting with around 20k and try and sustain that on a monthly basis for the coming months. Need help and tip as to how i should diversify