Taleem Ghar

13/04/2025

“CA ya ACCA ka future khatam toh nahi ho raha?”
AI, Data Science, Computer Science — sab trending mein hain.
So naturally, students start wondering:
Kya accounting and finance ka scope ab bhi hai?

Mera simple jawab hai: Bilkul hai — aur shayad pehle se zyada powerful hai.

CA (ICAP) is not sitting idle.
From September 2025, ICAP is launching a new education scheme with updated content like:
• Data analytics
• Risk management
• Emerging technologies
That means CA is actively evolving with market trends.

ACCA ka toh tagline hi hai: Think Ahead.
Aur woh waqai ahead soch rahe hain.
• Strategic Business Leadership paper is now pre-seen — ek real-life business case study jaisa.
• Kai papers mein Excel/Spreadsheet use karna allowed hai — bilkul real job environment jaisa.

Kya matlab hai iska?
Yeh qualifications outdated nahi ho raheen — yeh evolve kar rahi hain, taake tumhara career future-proof ho.

Aaj kal accountants sirf numbers record nahi karte —
Wo business ko lead karte hain, data se strategy banate hain, aur risk manage karte hain.

So don’t fall for myths.
CA aur ACCA dono ka future bright hai — agar tum bhi evolve karo.

Video mein poori detail aur meri honest opinion di hai. Zaroor dekho — especially if you’re planning your future!

12/04/2025

01/04/2025

Pakistan Stock Market vs. Other Investments: A Long-Term Perspective

Stock Market (PSX)
• In 2023, the KSE 100-share index surged by 53%, including dividends, making it the best-performing asset class.
• In 2024, the index gained 75%, further solidifying its position as the top investment avenue.

Gold
• In 2023, gold prices rose from Rs157,836 to Rs186,900 per 10 grams, yielding an 18% return.
• In 2024, gold appreciated from Rs189,386 to Rs234,311 per 10 grams, generating a 24% return.

Real Estate
• In 2023, Karachi’s property prices increased between 6% and 29%, while other cities saw mixed trends.
• In 2024, Lahore’s residential plot prices declined by 11%, house prices increased by 14%, and Karachi’s real estate market saw slight gains of 5-7% in residential properties but a 10% decline in commercial plots.

Currency (USD/PKR)
• In 2023, the rupee depreciated against the dollar, moving from Rs226 to Rs283, resulting in a 25% gain for USD holders.
• In 2024, the USD/PKR rate slightly improved from Rs282 to Rs278, leading to a minor loss of 1% for dollar investors.

Long-Term Investment Performance (2000-2024)
• Stock Market: Over two decades, the Pakistan Stock Exchange has provided some of the highest returns through capital appreciation and dividends.
• Bank Interest Rates: Average annual return of 14%, leading to an increase of around 1,500%.
• Gold: Average annual return of 10%, resulting in a total increase of nearly 900%.
• Real Estate: Residential plots appreciated by an average of 13% annually, leading to over 1,100% growth.
• Currency: The rupee has depreciated by an average of 5% annually, making forex holding a weaker long-term option.

Key Takeaways
• The stock market, despite volatility, has delivered the highest long-term returns.
• Gold and real estate have provided stable growth but require high capital and are less liquid.
• Holding foreign currency can be beneficial for short-term hedging but has not matched equity or real estate in long-term gains.

Pakistan’s stock market remains a strong platform for wealth generation, provided investors focus on value-based investing and long-term growth.

23/04/2024

Walid SB Marriott Islamabad lunch buffet pharty howy. :-D

21/02/2022

03/12/2021

Annual leaders summit!

Summary of my presentation is

We are not responsible for the task, yet we are responsible for the people who are responsible for the job!! So be humble leader, more you rise, more you have to low your gaze.

Wisdom is not something which we have, it's something we do.
Happiness is not something which we have, it's something which we do.
Patience is not something which we have, it's something which we do.

Key to learning is patience
Indeed Allah is with Patient

We can atain patience by doing patience / we atain patience through patience.

27-29 November 2021 ☺️

06/11/2021

Alhumdullilah

04/11/2021

Still better batsmen than Afghani batsmen

31/10/2021

Allah tari shan. Alhumdullilah

07/10/2021

Snack family