In the 11th and 12th installments of our Car Financing Challenge, we pulled money from mutual funds and used dividends to keep the plan running. Not the easiest month, but this is exactly the kind of stress test we started this experiment for. In this update: ✅ How we funded both installments ✅ What's left in the cash buffer ✅ Why Pakistan's IT stocks (Avanceon, Systems, Air Link, PTCL) are under pressure ✅ Our honest take on AVN: revenue is growing, profits aren't. Hold, or rethink? Watch here 👇 https://youtu.be/bQSTCZxX4Cc?si=uX3LVdXMpPr0mYzf Now your turn: if your portfolio was down and a big bill was due, would you sell your stocks, pull from mutual funds, or dip into savings? Tell us in the comments. 👇

One interesting pattern I’ve observed on the USD/CHF daily chart is that price has experienced three major phases of upward movement within a single year, with relatively similar total volumes recorded across these periods. - First phase: 3.76M volume over 44 bars. - Second phase: 3.73M volume over 59 bars. - Third phase: 3.24M volume over 47 bars. What caught my attention is that, despite the differences in duration and price movement, the total volume across these three phases remains within a relatively comparable range. My observation raises an interesting question: Could this recurring volume pattern tell us something about market participation and the sustainability of the current trend? This is not a conclusion that the pattern will necessarily repeat, but an observation worth studying through historical price action and volume analysis. Sometimes, looking at the same market through different phases of a single year can reveal patterns that are easy to overlook. What’s your take on this? Do you see a meaningful relationship between these recurring volume ranges and USD/CHF’s price structure?

Chart work by Faraz says this week could mark the low. His reasons: ✅ Monthly RSI is showing a hidden bullish divergence ✅ Monthly volume is contracting, as it did at the 2020 and 2009 lows ✅ Index is approaching monthly support at 157,040-158,100, untested in nearly 10 years ✅ Chaikin indicator is showing bullish divergence Do you think this week is the bottom? Vote, then tell us in the comments: which signal do you find most convincing, and what would change your mind? 👇 Technical views are not guaranteed outcomes. For learning and discussion only, not financial advice.

That gap is inflation at work, quietly eroding the purchasing power of your savings. In this episode of Sarmaaya Explain, we use petrol prices as a yardstick to compare how Rs. 5,000 could have grown across: 📈 Pakistan Stock Exchange (PSX) 💰 Money market funds 🥇 Gold We also look at why diversification matters during market downturns and how a long-term, multi-asset plan can help you stay ahead of rising living costs. 💡 Key takeaway: Wealth is protected by investing consistently over time, not by chasing short-term gains. ▶️ Watch the full episode: https://youtu.be/7Bjup1ka9Nw?si=AYNAtT86jYuHJA1t 💬 Which asset would you back for the long term: stocks, gold, or mutual funds? Tell us why in the comments. 👇

One stock is up 40%, another is down 30%, and suddenly your portfolio looks nothing like the plan you started with. What you do next matters more than the market's mood. In our latest video, we take a real PSX portfolio and show how to rebalance it with discipline instead of emotion: ✅ What rebalancing actually means ✅ Why diversification protects you when a sector comes under pressure ✅ How a 25% profit or loss threshold tells you when to act ✅ How to buy and sell to bring allocations back to target ✅ How to read your total returns and dividends ✅ How to track it all with Sarmaaya's portfolio tools A clear rule beats a gut reaction every time. 🎯 ▶️ Watch here: https://youtu.be/5v4tCaxIBY0?si=0ukqysMHxBrqdAT1 💬 Your turn: When one of your stocks jumps 25% or drops 25%, what do you do: trim, add, hold, or just hope? Tell us in the comments, and if you don't follow a rebalancing rule yet, would you try one?