🧵 My PSX Investing Journey (2021–2025) From newbie to conviction:

From PSX rookie to a 312% gains since 2022 powered by dividends, patience, and business-quality.

Here’s the journey, mistakes, pivots, and the flywheel that changed everything. 👇🏼 Phase 1: The Spark (Jun–Dec 2021)

Opened my PSX account mid-2021 after Tadawul experience (first buy: Saudi Aramco IPO in 2019). Read annual reports, watched the index, and traded actively. Beginner’s luck felt great… until it didn’t. Early mistakes: chasing hot tips, ignoring

The Safest Way to Compound Wealth Over Time

Everyone wants to grow their wealth few actually compound it safely.
Here’s a step-by-step self practiced guide to building wealth that endures. 💎Understand what “compounding” really means

Compounding isn’t just about high returns. It’s about consistent positive returns that stay uninterrupted. The goal is never losing principal because losses kill compounding speed more than low returns ever will.

“Just Keep Buying” by Nick Maggiulli is one of the most practical, no-fluff personal finance books out there.

It answers two big questions:
👉 When should you buy?
👉 How much should you buy?

Here’s a breakdown, with real PSX lessons 🧵 Maggiulli’s core principle is simple:
Buy consistently. Ignore the noise. Let time and compounding do the work.
It’s not about timing the market, it’s about time in the market.

Let’s test this with Pakistan’s market 👇

The Importance of Knowing What NOT to Do in Investing:

🎯Most investors obsess over what to buy. But the truly successful ones obsess over what to avoid.

Knowing what NOT to do in investing is just as if not more important than knowing what to do.

Here’s why 🧵👇 The Power of Subtraction in Investing:

Warren Buffett said:

“The difference between successful people and very successful people is that very successful people say NO to almost everything.”

This applies to investing too. Avoiding bad bets is half the game.

Expected impact of PDL increase on OMC, Refineries and Oil Exploration companies:

What is PDL? Petroleum Development Levy (PDL) is a government-imposed tax on petroleum products, primarily aimed at generating revenue for the government and influencing fuel pricing. It is applied

https://twitter.com/arifhabibltd/status/1901019993984344250

per liter on various petroleum products, such as High-Speed Diesel (HSD), Motor Gasoline (Petrol), Kerosene, and Light Diesel Oil (LDO).

PDL vs. Other Fuel Charges:

1. PDL: A fixed per-liter levy imposed by the government.

2. General Sales Tax (GST): A percentage-based tax on

Philip Carret lived through 31 bull markets, 30 bear markets, and 20 recessions.

Warren Buffett called him “one of my heroes” and said he had “the best long-term investment record of anyone I know.”

He boiled down his 79 years of successful investing to 12 basic commandments: But first, a little background on Philip Carret:

After studying chemistry at Harvard, flying a single-seat fighter plane in World War I, and quitting Harvard Business School, Carret became a bond salesman.

The Art of Selling a Losing Position

Your stock is losing value. You want to sell, but you can't decide in favor of selling now, before further losses, or later when losses may or may not be larger.

All you know is that you want to offload your holdings and preserve your capital and reinvest the money in a more profitable security.
In a perfect world, you'd always achieve this aim and sell at the right time.

Unfortunately, it isn't that easy in real life. When the housing bubble bursted in 2007 and stocks started their descent into a bear

The two great minds of Berkshire Hathaway, Warren Buffett and Charlie Munger have been an inspiration for countless investors. They have priceless wealth of wisdom, we can all learn from.

This thread contains couple of quotable quotes from both Warren & Charlie.

Let’s begin👇🏻 It takes character to sit with all that cash and to do nothing. I didn't get top where I am by going after mediocre opportunities.