PSX vs Crypto: Where Should You Invest in 2025? Farhan Mallick asks Abdul Rehman Najam

PSX vs Crypto: Where Should You Invest in 2025? Farhan Mallick asks Abdul Rehman Najam

In this episode of Raftar Now, we break down the truth about Pakistan’s stock market with investment advisor Abdul Rehman Najam. Is the PSX really a path to financial freedom, or just a gamble for the rich?

Najam, an economics graduate from the University of Warwick, shares how young professionals, even with limited savings can grow wealth through smart investing and Shariah-compliant strategies. From busting real estate myths to dissecting asset classes like stocks, gold, crypto, and mutual funds, this is a no-nonsense guide to building your financial future in Pakistan's chaotic economy.

We also tackle tough questions: Is investing in stocks halal? Why are salaried individuals missing out on long-term wealth? And why is the Pakistani stock market one of the most misunderstood financial tools today?
Whether you're 25 or 45, this episode will shift your mindset about money, savings, and growth.

https://arnfinancials.com

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0:00:00 – Introduction: Why Financial Literacy is Urgent
Farhan introduces the episode with a powerful story on inflation, savings, and the economic state of Pakistan.

0:04:00 – Meet Najam
Najam shares his academic background, personal investing journey, and how he helps others understand money.

0:08:00 – The Poor vs Rich Mindset in Pakistan
Why salaried people stay poor, and how financial freedom starts with shifting your thinking.

0:12:00 – What Schools Never Taught About Money
Najam explains compound growth, saving strategies, and real-life wealth building.

0:16:00 – The Big Myth: Is Real Estate Really King?
A critical comparison of gold, real estate, bank savings, and PSX returns.

0:20:00 – Why Stocks Are Still Undervalued in Pakistan
Najam shares shocking stats about the PSX and why more people aren’t investing.

0:24:00 – Stock Market ≠ Economy? The Hidden Truth
Does PSX represent Pakistan’s economic reality? Najam explains the disconnect.

0:28:00 – Halal Investing: What Islam Actually Says
The three levels of Shariah compliance in stocks and purification mechanisms.

0:32:00 – Common Misconceptions: Is Investing Gambling?
Najam busts myths around short selling, leverage, and speculation.

0:36:00 – Sector Analysis: Oil, Gas & Energy
A breakdown of Pakistan’s energy crisis and the future of OMCs.

0:40:00 – Banking & Financial Sector Outlook
How banks profit, dividend vs capital gain, and ethical concerns.

0:44:00 – Cement & Fertilizer: The Business of Basic Needs

0:48:00 – Pharma & Healthcare: Long-Term Winners
Examples like Panadol and Ferozsons; why these businesses stay relevant.

0:52:00 – Tech & Telecom: The Modern Investment Frontier
Systems Ltd, NetSol, and how to judge a good IT stock in Pakistan.

0:56:00 – Textiles & Manufacturing: Risks & Rewards

1:00:00 – Mutual Funds vs DIY Investing
Najam critiques fund managers, costs, and why active investing may beat passive.

1:04:00 – Crypto Craze vs. Real Assets
Is Bitcoin the future? Najam explains why real assets still hold ground.

1:08:00 – How to Build a Portfolio from Scratch
Ideal asset allocation for young professionals with Rs. 5,000 or less.

1:12:00 – Emergency Fund, Liquidity & Mental Peace
Why cash cushion matters even if you’re investing long-term.

1:16:00 – Role of Patience in Financial Growth
How time, not timing, makes money—and why people give up too early.

1:20:00 – Common Investor Mistakes & How to Avoid Them
From overconfidence to panic selling—Najam shares real-life errors.

1:24:00 – How to Research a Company Before You Invest
Sources, filters, financials: a basic guide to reading stocks intelligently.

1:28:00 – Najam’s Top Tips for Long-Term Investors
Principles he lives by when investing in PSX, especially during volatility.

1:32:00 – What’s Next for Pakistan’s Economy?
Macro view on currency, taxation, and what investors should prepare for.

1:36:00 – Final Words: Who Gets Rich, Who Gets Left Behind
Najam leaves listeners with a strong message on mindset, risk, and action.

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