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Short lessons, each built around one idea and one thing to try. Free, no signup. New ones every week.

Money basics

Inflation, real return, compounding, risk. The ideas everything else rests on.

  1. 01 · 5 minInflation, the invisible taxWhy money that sits still shrinks, how much Pakistani prices have risen since 2010, and how to judge any return against inflation.
  2. 02 · comingReal return: the only return that countsWhy a 20% return can lose money, the one formula that tells you, and how Pakistani savings fared after inflation, year by year.
  3. 03 · comingCompounding, in rupeesHow money grows on its own growth, why starting five years earlier beats saving more, and what compounding did in Pakistan since 2010.
  4. 04 · comingSaving vs investingWhat each is for, how long money should sit in each, and how to split between them.
  5. 05 · comingRisk: what "it can go down" really meansThe best and worst years side by side, and why the start year decides the winner.
  6. 06 · comingDiversification, without jargonWhy owning a few different things beats betting on one, in rupees.

How to start

Accounts, funds, National Savings, tax status, and buying abroad, step by step.

  1. 01 · comingOpening a PSX account: Sahulat vs regularWhat each account allows, what you need, and what it costs.
  2. 02 · comingMutual funds 101, including Islamic fundsHow funds work, what fees do to returns, and how to read a fund's fact sheet.
  3. 03 · comingNational Savings: what the rates pay after taxDefence Savings, Behbood and the rest, compared honestly.
  4. 04 · comingFiler vs non-filer: why it changes your returnsHow withholding tax differs, and how to get on the active taxpayer list.
  5. 05 · comingBuying US stocks from Pakistan, legallyThe SBP route, what it costs, and what to declare.

Myths and scams

How tip groups and "guaranteed" returns work, so you can spot them.

  1. 01 · comingHow pump-and-dump groups workWhy the tips arrive, who profits, and how to spot one.
  2. 02 · coming"Guaranteed 10% a month": the Ponzi arithmeticWhat the promise would require, and why it always ends the same way.