Clause found in the offering document of almeezan money market funds
so they are dealing in " sharia compliant debt " , whatever that means…
I liked the discussion on anything other than real estate.
I am also having some stocks investment with good dividend yield companies like KAPCO, Saif Power, Kohenoor energy, EFERT, ISL and they are currently at good price for investment.
I will suggest you to use stock screener on PSX data portal with proper filters to decide good stock options.
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Sorry Saud sab & Nasir sab, for late reply, Kinldy mention me in a comment when i forget to reply any one of your question,
Well Following Steps you Should Do Before Investing,
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Divide Your Investment In 4-5 Steps. For example, if you have 2 millions, divide them in five portions of 4 lacs, or four portions of 5 lacs.
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Make a portfolio according to your requirement. For example, Nasir sab want Dividend Income Plus Capital Appreciation, So IPPs (KAPCO, HUBCO)+ Pharma (Searl, IBHL) + Oil Exploration (PPL, POL) + Fertilizer (FFC & Engro) + Insurance ( IGIL) EFU) Companies are good in this. Pharma & Insurance also pay Bonus shares as well. For capital growth, Kindly add up Cyclical Scrips, Such as Cement sector, on lower rates.
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Invest your investment in steps, For example, Invest 4 lacs or 5 lacs as per your plan, After making first step, Wait for a charming period for second step.
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Charming periods include, Wars, Elections, Catastrophe, & Recession. Purchase accordingly & This will help you with good capital appreciation.
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When ever rates jump high, sell few Qty, & When there comes another factor to hit rates down, buy more. This process will keep on going.
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In this way you will be able to make a very good portfolio, that will let you earn good in medium to long term, In Sha ALLAh.
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Saud sab, you need capital protection, My suggest is to extend your time in this way, Deposit your capital in Any Islamic saving account or commercial account as per your viws/beleifs. & every profit you receive on monthly basis, kindly invest it in a good portfolio, that will let you earn after few years. Secondly for a volume increase, kindly reinvest dividend in good scrips for some period.
Every thing which goes up & down, A layman can also earn from it. So play in discipline, & you will earn more. In Sha ALLAh.
Regards,
Humayyun.
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Plz find reply in above lines. regards,
Thanks Humayyun, you’re a gem of a person indeed.
Welcome Sir, One tip more, What ever you make portfolio, Always try to Add up At least one Insurance / Takaful Scrip in it, because they have mostly Negative “Beta”. Due to which, when ever market goes up, Insurance scrip goes down. & When ever market goes down, Insurance stock goes up. This is a hedging against risk in simple terms.
Regards
Thanks but none of the insurance scrips are KMI, so I will pass.
Secondly, what’s your assessment about:
- EFERT, will it continue upward stride or ever start coming down
- SNGP, is it a good scrip to keep considering its continuous downslide?
With the end of winter, Energy cost will reduce. So room to move upwards. Secondly first 3 quarter results are good ones. But lets see what about 4th quarter. On lower rates it will be a good pick. Secondly for Efert, It has a good room to go up, further more Khareef Season Will start from April May, But its 3rd quarter result was not good.
Abbasi sb.
I subscribed to KAPCO shares in 2005 @ Rs 33 per share, want up to 85 some years before and see where standing now?
Profit not even making up the inflation…
Total loss…
I think it is a form of gambling sitting totally on speculation…
thanks for the detailed reply humayyun sab, will be looking at the points you mentioned carefully, and in detail
@humayyun.786 , in psx data portal, i see some shares 1 year change as negative 15 percent, but they giving divident yield of positive 16 percent, how does this work?
@saudkhante to my limited knowledge, dividend is related to profitability or Earning Per Share (EPS), whereas share price is its market value which is driven by multiple factors. So if you find a share which has a good dividend history during past years, has strong financial performance (profits, etc.), and its product/service has good competitive position in the market then that’s the share to buy at the lowest and keep for long. The shares that Humayyun suggested for long-term investment all have this characteristics…
Nonetheless, you should buy this share at the lowest possible value to get best dividend yield and some capital gain at selling time.
So the 1 year change is the change in share price ?
Sir Market rate is as per Supply demand. Good news , Expectations & Rumors.
When Dividend is paid , Lets suppose share value is 100, dividend paid is 15 rupees. Next day the Share will fell down to Rs. 85 as This amount is reduced from company books. In some cases when there is no future excitement then share price can reduce far more.
After dividend payment, Market rate has reduced, so dividend yield will increase bcoz.
dividend yield = (dividend paid/ market price) x 100
when denominator decrease, Product value increase.
When denominator increase, product value decrease.
In this case Denominatore ( Market Price has reduced) So product value ( Dividend yeild value will become increased)
I hope i have explained you completely in simple words, the whole phenomenon.
Always try to buy those shares who have good future prospects. In this way once dividend value is deducted, The market price will grow again & this will maintain & multiply the total value.
Regards,
Humayyun
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yes dear, it is clear, thankyou