Independent Analyst| Financial Literacy Advocate| I write about PSX, economy, investing, taxation & building wealth
Joined July 2025
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Most retail investors on PSX never read an annual report.
They rely on brokerage summaries, tips, and price movements instead.
That gap between them and investors who do read annual reports is exactly where returns are made. Here is how to do it in 30 minutes. 🧵
RedZone Wanderer retweeted
How is it justified to tax someone earning Rs. 10,000 in capital gains on securities/shares at the same rate as someone earning Rs. 10 million from the same source?
Which principle of taxation supports such a system? Do both individuals have the same ability to pay?
Shouldn't this approach be reviewed and replaced with a progressive tax structure based on the taxpayer's ability to pay?
If Islamabad is serious about becoming a cashless city, start by removing ATMs from bank branches. Make digital payments the default, not just an aspiration.
RedZone Wanderer retweeted
پنڈی اسلام آباد میں کرکٹ میچز ازیت بن چکے ہیں۔ ایک بندہ نہیں ملتا جو کہے کہ پنڈی اسٹیڈیم میں میچ کرایا جائے۔ اللہ اللہ کرکے ایک کرکٹ میچ ختم ہونے کے قریب تھا تو خبر ملی کہ لاہور والاٹیسٹ میچ بھی پنڈی منتقل ۔ سرکار کی جانب سے دی جانے والی سزا ختم نہیں ہو رہی
InvestPak app is opening up a new avenue for ordinary investors to access government securities and fixed-income investments directly.
Could this gradually replace traditional bank savings accounts and Term Deposit Receipts (TDRs), particularly for financially literate individuals?
@grok, how do you see this changing Pakistan's banking and investment landscape?
@StateBank_Pak #FinancialLiteracy
𝐑𝐞𝐦𝐞𝐦𝐛𝐞𝐫 𝐓𝐡𝐢𝐬 𝐌𝐚𝐫𝐤𝐞𝐭 𝐑𝐮𝐥𝐞:
When markets are rising extraordinarily high, it may be time to book profits and protect your capital with stop-losses rather than chase prices.
When markets fall on low volumes, it can be an opportunity to buy and average down your earlier accumulation.
#PSX #FinancialLiteracy #Investing
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RedZone Wanderer retweeted
The fiasco of One Constitution Avenue clearly indicates that there is no one to protect and preserve property rights of individual. Whoever committed fraud hang him but how you cannot protect those who paid from hard earned money to purchase property.
Brent crude has fallen to around $104/barrel. What’s driving this decline?
@Grok, explain the key reasons behind this sharp fall in oil prices and whether it signals a sustainable trend.
More importantly, what could this mean for the Pakistan Stock Exchange (PSX)?
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RedZone Wanderer retweeted
Silver in 1980 ~$49.45 🗿
Silver in 2026 ~$48.80 🤡
@grok Verify if people who bought in 1980's peak are still in loss even after 45 years?
حیرت ہے، کبھی آپ گلہ کرتے ہیں کے ایف بی آر میں کرپشن ہے اور جب کرپشن ختم کرنے کے لئیے حکومت کوئی احسن قدم اٹھاتی ہے تو آپ کہتے ہیں پچھلا نظام ہی درست تھا۔ آپ کرپشن کے beneficiary ہیں یا victim ؟
RedZone Wanderer retweeted
Fauji Fertilizer Company (FFC) has been my long-term holding for years.
You have read the technical analysis of the company everywhere.
Let me share how I also think about other things while purchasing its shares and why this one has worked out well so far.
A thread for those who think beyond the financial statements and charts. 🧵👇
Corruption is one reason businesses hesitate to pay taxes voluntarily.
We can keep reforming FBR and changing tax laws, but it will all be in vain if we, as a nation, fail to ensure that public money is spent honestly, wisely and responsibly.
Tax compliance begins with trust, and trust begins with accountability.
#FBR @FBRSpokesperson @Ahameed2001 @najeebullahdr @ZehraFarooq
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Reforming FBR alone is not enough. Tax consultants, chartered accountants and lawyers must also be regulated, as in the US and UK, through licensing, professional standards and strict penalties.
For example, US law allows penalties on tax preparers for certain deliberate or reckless tax understatements, generally the greater of $5,000 or 75% of the income earned for preparing the return.
Pakistan needs similar safeguards to discourage the culture of teaching people how to evade taxes.
Tax expert Ikramul Haq says repeated restructuring and foreign financing would not improve FBR’s performance without fundamental institutional changes.
“Technology is necessary. Faceless assessment, digital invoicing, production monitoring and intelligent risk selection can reduce discretion. They cannot substitute for institutional design.”
He calls for separating tax policy from collection, merit based recruitment and promotions, and evaluating performance through voluntary compliance, recovery, refunds and reduced litigation rather than gross collection alone.
He argues that corruption, poor performance and disagreement over reforms require separate treatment, while political accountability is equally necessary.
dawn.com/news/2039843
RedZone Wanderer retweeted
SBP announces its policy rate this Monday.
Everyone "knows" the rule: interest rates up, stocks down. Simple, clean, and often wrong.
Don't panic sell if rates go up. The real impact depends on more than just the number itself 🧵
Bad days for traders, but possibly good days for long-term investors.
My experience is that when the market keeps falling, most people get scared. But if you have a long-term plan, some patience and good stocks on your watchlist, these are the days to start accumulating. #PSX
RedZone Wanderer retweeted
There will be better organisation: Pakistan Tax Authoruty:
The alternative has long been available. We argued for integrated collection in “Case for ‘NTA’”, published in Business Recorder on 27 November 2015. Our books, Tax Reforms in Pakistan: Historic & Critical View and Towards Broad, Flat, Low-rate and Predictable Taxes, document the recurring failures and propose institutional reconstruction. Pakistan does not suffer from a shortage of proposals. It suffers from refusal to implement those that disturb entrenched power.
brecorder.com/news/40445522/…
primeinstitute.org/wp-conten…
file.pide.org.pk/pdf/Books/T…
RedZone Wanderer retweeted
Bull markets attract investors. Difficult markets teach them how to invest.
Many new investors entered the Pakistan Stock Exchange during the bull run, experiencing rising prices but never the frustration of a stagnant or gradually declining market.
They must understand that market corrections are a normal part of investing. A falling share price does not necessarily mean a deteriorating business.
If you have invested in fundamentally strong companies at reasonable valuations, short-term volatility should not shake your conviction. Of course, fundamentals must be reassessed as circumstances change.
The greatest losses often come from speculation, chasing momentum, buying weak companies and acting on market tips without understanding the underlying business.
The stock market is not a shortcut to wealth. It is a mechanism for building wealth over time.
RedZone Wanderer retweeted
Except for a few exceptions, investing in IPOs on the PSX over the past few years has hardly been a sane investment strategy.
Newly listed companies must deliver performance, uphold transparency and earn investor trust. Capital is attracted by promises, but retained through performance.
#PSX #Investing #StockMarket
Except for a few exceptions, investing in IPOs on the PSX over the past few years has hardly been a sane investment strategy.
Newly listed companies must deliver performance, uphold transparency and earn investor trust. Capital is attracted by promises, but retained through performance.
#PSX #Investing #StockMarket
بس کر دیں حضور 🙏 اس غریب قوم پر رحم کھائیں
سابق نگراں وفاقی وزیر گوہر اعجاز نے حکومت کو یقین دہانی کرائی ہے کہ اگر حکومت ایکسپورٹرز کو 8 فیصد ڈیوٹی ڈرا بیک دینا شروع کر دے تو اپٹما تین سال میں ایکسپورٹس میں 9 ارب ڈالرز کا اضافہ کر سکتا ہے ۔۔ جس سے پاکستان کی قرض ادائیگیوں کا مسئلہ حل ہو سکتا ہے۔
وزارت خزانہ نے حال ہی میں 3 ارب ڈالرز کا قرضہ بانڈز کی صورت میں لیا ہے ۔ لیکن 8 فیصد شرح سود پر مقامی صنعتکاروں کو قرضہ دینے پر تیار نہیں ہے ۔
حکومت کی پالیسی ملکی اور غیر ملکی سرمایہ کاروں کے لیے مختلف ہے ۔ غیر ملکی سرمایہ کاروں کو ہر قسم کی ٹیکس چھوٹ دی جاتی ہے ، شرح سود بھی کم رکھا جاتا ہے۔ لیکن مقامی سرمایہ کاروں کو یہ مراعات نہیں دی جاتی ۔
کاشتکاروں کے لیے بھی یہی پالیسی ہے درآمدی گندم 5 ہزار روپے میں خریدی جاتی ہے مقامی کاشتکار کی گندم 3 ہزار روپے میں کوئی نہیں خریدتا ۔۔
#Pakistan #IMF #Loan #Debt #Bonds #economy