Most investors don't check iNAV or ex-dividend dates before buying. That one oversight can quietly kill your returns. We just dropped a video breaking down exactly what's going on with ETF pricing right now, why some ETFs are trading above their iNAV, and what you should be doing instead. Worth 5 minutes before your next trade. 🔗 Watch here: https://youtu.be/c6Nk80mDqz8?si=v8FhLhhLC7PAq_yF Got ETF questions? Drop them below. 👇

Discover the biggest investing mistakes—including following blind tips, emotional investing, investing without research, and overtrading. Learn practical strategies to make informed decisions and see how Sarmaaya helps investors build confidence.

Most investors look at a stock, see the price, and think: "Rs. 50? That's cheap." Rs. 50 compared to what? Compared to yesterday's price? Compared to what their friend told them? Compared to a gut feeling? This is how money gets lost. Through buying without context. Here's the context every investor needs before touching a single stock. P/E Ratio. Two letters that separate guessing from investing. Let's forget stocks for a second. You're looking to buy a small shop. A general store in your neighbourhood. Shop A costs Rs. 10 lakh to buy. It makes Rs. 1 lakh profit every year. You'll get your money back in 10 years. Shop B costs Rs. 50 lakh to buy. It also makes Rs. 1 lakh profit every year. You'll get your money back in 50 years. Same profit. Completely different price. Which one do you buy? Obviously Shop A, unless Shop B is sitting on a main commercial road, has a loyal customer base built over 20 years, and is about to get a huge apartment complex built right next door. Then maybe Rs. 50 lakh makes sense. That logic, price versus what you're actually getting, is exactly what P/E ratio measures. P/E = Stock Price ÷ Earnings Per Share If a stock is trading at Rs. 100 and the company earns Rs. 10 per share, P/E is 10. You are paying Rs. 10 for every Rs. 1 this company makes. That's it. That's the whole concept. Now let's make it even simpler. Think of P/E as the number of years it takes to get your money back, assuming profits stay the same. P/E of 10? You recover your investment in 10 years. P/E of 30? Thirty years. P/E of 5? Five years. Suddenly that number means something real. "Okay so low P/E = good, high P/E = bad. Simple." Not so fast. Here's where most beginners make the mistake. Let's go back to shops. Your neighbour tells you about a shop selling for Rs. 5 lakh. Makes Rs. 1 lakh profit. P/E of 5. Sounds like a steal. But when you visit, the location is terrible, the manager just quit, and the owner is selling because a big superstore is opening right across the street next month.

June is year end closing for mutual funds. This is when funds pay out profits as dividends. And every year I see people happily waiting for that dividend. Here is what most of them don't know. Dividend from a low risk mutual fund gets taxed at 25%. The same profit, if you book it yourself by selling units, gets taxed at 15% as capital gain. Simple example. You invested 100k. Made 10k profit in a year. Wait for the dividend, you get 7,500 in hand. 2,500 gone in tax. Sell before the dividend and book the profit, you get 8,500. Only 1,500 in tax. Same fund. Same profit. 1,000 rupees difference just based on how you take it. And one more thing. Capital gain tax can be adjusted against losses. Already sitting on a 10k loss in stocks or another fund this year? Then your tax is zero. Full 10k comes to you. Dividends give you no such option. This is exactly why we built Capital Gain Tax tracking into Zar by Sarmaaya. You can see your gains, losses and tax impact in one place and plan your exits smartly instead of guessing. Small decisions like this add up to real money over the years. So before the June payout, look at your fund and decide. Most people lose money here simply because nobody told them. For tracking investment smartly, visit zar.sarmaaya.pk

Everyone wants to find the next big stock. Nobody wants to read a balance sheet. And that's exactly why most people lose money. When you're buying a house, you don't just drive past it and say "looks nice, I'll take it." You check the structure. The water supply. Whether the neighborhood is actually appreciating or quietly declining. But with stocks? People see a rising price, a confident friend, and they're in. They buy the wall, without checking the foundation. Fundamentals are simply the answer to one question: Is this business actually healthy? Not is it popular, trending, or someone on YouTube say it's going to 10x. Is. The. Business. Healthy. A company can look incredible on the surface, and be completely hollow underneath. Debt piling up quietly. Margins shrinking every quarter. Cash running out faster than profits are coming in. Fundamentals are what separate the person who saw the crash coming from the person who was shocked by it, even though both were watching the same stock. Here's the beautiful part though. You don't need a finance degree. You don't need to read 300-page annual reports. You need to understand maybe 8 to 10 core concepts: ratios, margins, cash flows, and you will instantly see more than 90% of the people trading in the market today. That's not an exaggeration. Most retail investors operate on vibes. You, with even basic fundamental knowledge, are already playing a different game. The market in the short term rewards hype. In the long term, it always rewards fundamentals. Every single time. We're breaking down these concepts one by one. Price to earnings ratio is done. Let us know which one you want to learn next. Because understanding one ratio properly can save you from one catastrophic mistake. And in investing, avoiding catastrophic mistakes is the strategy. Drop your vote, whichever wins, we break it down next with a real PSX example.