Question 1

Is InvestKaar an SECP registered advisor?

Accepted Answer

Yes, InvestKaar is a Securities and Future Advisor licensed under the Securities and Exchange Commission of Pakistan (SECP). We operate under strict fiduciary standards, meaning we are legally bound to act in our clients' best interest.

Question 2

What is the difference between a stockbroker and an investment advisor?

Accepted Answer

Traditional brokers make money from trading volume via commissions, which can incentivize them to push overtrading (churning). InvestKaar is a fee-only advisor; we do not execute trades or charge commissions. Our interests are 100% aligned with your capital growth.

Question 3

Who runs InvestKaar, and what is their track record?

Accepted Answer

InvestKaar was founded by Furqan Punjani, a veteran researcher with over 18 years of market experience who previously served as the Head of Research at a top brokerage firm. Sajjad Hussain co-manages the portfolio strategies, bringing 12 years of corporate governance audits and macroeconomic modeling experience.

Question 4

How does the Advisory Portfolio service work?

Accepted Answer

Once you sign up, we analyze your risk appetite and capital size. We then grant you access to our curated Advisory Portfolio of high-moat businesses in the Pakistan Stock Exchange (PSX). You receive real-time alerts on WhatsApp when we buy or sell a stock, which you execute in your own brokerage account.

Question 5

Why is there a minimum portfolio recommendation of Rs 8,000,000 (80 Lakhs)?

Accepted Answer

We recommend a minimum portfolio size of Rs 80 lakhs so that our annual fixed advisory fee remains cost-effective relative to your capital (typically keeping total advisory costs under 1.5% to 2% annually).

Question 6

Can I join InvestKaar Advisory if my capital is less than 80 Lakhs?

Accepted Answer

Yes. While the fee-to-capital ratio is optimized for Rs 80 lakhs+, investors with smaller capital sizes can enroll in our short-courses packages to learn fundamental screening, follow KSE 100 analysis, and prepare to scale.

Question 7

Will InvestKaar manage my brokerage account directly?

Accepted Answer

No. We never take custody of your funds or execution access. You retain 100% control of your capital. You hold your shares in your personal CDC sub-account and execute trades through your preferred broker.

Question 8

Do you offer Shariah compliant stock advisory?

Accepted Answer

Yes. We maintain a dedicated Shariah-compliant Advisory Portfolio that is screened strictly under KMI 30 index criteria, ensuring halal business activities, debt-to-asset safety ratios, and clear dividend purification rules.

Question 9

How do you select stocks for the Advisory Portfolio?

Accepted Answer

We use a Warren Buffett style value-investing methodology. We look for companies with strong competitive advantages (moats), high returns on equity (ROE), clean balance sheets, healthy cash flows, and excellent corporate governance.

Question 10

Can you guarantee stock market returns?

Accepted Answer

No. The stock market is volatile, and short-term movements are unpredictable. We do not guarantee daily, monthly, or annual returns. We focus on long-term compound growth over a 3 to 5 year horizon.

Question 11

What happens to the portfolio if the PSX crashes?

Accepted Answer

Our portfolio focuses on capital preservation by selecting companies with little to no debt and resilient earnings. During market declines, these companies tend to suffer less and recover faster, and we often use corrections to accumulate high-quality stocks at discounted valuations.

Question 12

How often do you adjust the Advisory Portfolio?

Accepted Answer

We believe in low-turnover, long-term investing. We do not trade daily or weekly. Rebalancing and portfolio changes occur only when a company's fundamental thesis changes, its valuation becomes extremely stretched, or a better opportunity arises.

Question 13

Do you support Overseas Pakistanis?

Accepted Answer

Yes. A significant portion of our members reside in UAE (Dubai/Abu Dhabi), the UK, USA, Canada, and Saudi Arabia. We provide support during Pakistani business hours and help expats invest in the PSX through their Roshan Digital Accounts (RDA).

Question 14

How do I execute trades from abroad?

Accepted Answer

Expats use their Roshan Digital Account (RDA) linked brokerage portal. When you receive a WhatsApp alert from us, you can log in to your RDA portal from anywhere in the world and execute the trade in less than two minutes.

Question 15

What are your Short Courses, and who are they for?

Accepted Answer

Our short courses are educational programs designed for retail investors, corporate employees, and tech professionals who want to understand fundamental analysis, valuations, and financial planning. They focus on practical, jargon-free investing strategies.

Question 16

How are the short courses structured and delivered?

Accepted Answer

All short courses are self-paced, pre-recorded video programs. Once you enroll, you get lifetime access to all lessons and download worksheets, allowing you to learn on your own schedule.

Question 17

Are the Short Courses and the Advisory Portfolio linked?

Accepted Answer

No, they are separate services. You can enroll in short courses to build your personal financial screening knowledge, or subscribe to the Advisory Portfolio to receive our licensed stock recommendation alerts—or do both to maximize your results.

Question 18

How do I use the FIRE (Financial Freedom) Calculator?

Accepted Answer

The FIRE calculator helps you determine how much capital you need to retire early. You input your monthly expenses, savings rate, and expected return, and it projects the exact year you can achieve financial independence.

Question 19

What is the Wealth Vision Calculator?

Accepted Answer

The Wealth Vision Calculator lets you project the growth of your investments over 10 to 30 years under different asset allocation mixes. It allows you to simulate how shifts between stocks, fixed income, and gold impact your compound growth.

Question 20

Do you recommend specific stockbrokers in Pakistan?

Accepted Answer

We do not partner with or receive kickbacks from any stockbrokers. You can use any brokerage house licensed by the PSX (such as KASB, AKD Securities, JS Global, Topline, etc.) or RDA-linked banks.

Question 21

How do taxes and capital gains tax (CGT) work in the PSX?

Accepted Answer

Capital gains tax (CGT) is automatically deducted by NCCPL based on your holding period and tax filer status. We guide our members on tax-efficient selling strategies, such as tax-loss harvesting, to optimize returns.

Question 22

How long does it take to get onboarded?

Accepted Answer

Signing up takes about 15 to 20 minutes, and the overall advisory portfolio setup takes 2 to 3 working days for complete onboarding.

Question 23

What support channels do you offer?

Accepted Answer

Advisory members get direct WhatsApp access to Furqan and Sajjad for portfolio queries, along with email support and invites to monthly Zoom calls to discuss market updates.

Question 24

Do you offer a refund policy?

Accepted Answer

Since you receive immediate access to our proprietary stock picks and premium research, we do not offer trial periods or refunds. A refund is only issued (processed within 3 working days) if your onboarding application is rejected during our verification checks.

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