Know and Grow with Mubasher Jillani

Know and Grow with Mubasher Jillani Personal Finance Coach. Empowering expatriates in GCC with smart, practical, & effective financial knowledge.

💼 Seasoned Banker |
📊 Personal Finance Coach |
🌍 Simplifying Personal Finance & Investments for GCC Expats |
🎥 YouTube: Know & Grow with Mubasher Jillani |
📍 Based in Qatar | 🇶🇦 Serving GCC & Beyond
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🚗 Pakistan Auto Policy 2026–31: What It Could Mean for PSX InvestorsPakistan’s proposed Auto & Auto Parts Policy 2026–31...
25/09/2026

🚗 Pakistan Auto Policy 2026–31: What It Could Mean for PSX Investors

Pakistan’s proposed Auto & Auto Parts Policy 2026–31 is pointing towards a major shift:

➡️ From protection to competition
➡️ From imports to localization
➡️ From local sales to exports
➡️ From ICE vehicles to electric mobility

The draft targets around $4.6 billion in auto and parts exports over five years, while increasing domestic value addition and gradually reducing tariff protection.

PSX stocks I am tracking

🔹 SAZEW – Auto manufacturing, localization and growing exposure to new-energy vehicles.

🔹 MTL – Interesting because its exposure is no longer limited to tractors. MTL has achieved high tractor localization, has export capability, and its subsidiary has entered the E-bike business through an MoU with a Chinese manufacturer.

🔹 THALL – Auto parts and engineering exposure, making localization and export development important themes.

🔹 AGIL – Manufacturer of components for automobiles, motorcycles and agricultural tractors.

🔹 GHNI – Commercial vehicles and trucks, with potential relevance as localization and export requirements increase.

🔹 LOADS – Auto components including radiators and exhaust systems; a direct way to track the localization theme.

My key takeaway

I believe the auto-parts, localization and EV ecosystem deserves close attention under this proposed policy.

However, this is still a policy in finalization. The government was continuing clause-by-clause consultations as of September 17, so the final terms may change.

For investors, the important questions are:

Who can increase localization?
Who can actually export?
Who can benefit from EV adoption?
And most importantly what is already reflected in the stock price?

I will continue tracking these companies from a fundamental, valuation and policy-impact perspective.

This is for educational and research purposes only, not investment advice.

Join my WhatsApp community.
https://chat.whatsapp.com/JVYIJZy9ouNF9St3EHUhcy

📢 Naya Nazimabad Apartment REIT IPO — Should We Subscribe?Many of you have been asking me about the Naya Nazimabad Apart...
04/09/2026

📢 Naya Nazimabad Apartment REIT IPO — Should We Subscribe?

Many of you have been asking me about the Naya Nazimabad Apartment REIT (NNAR) IPO on PSX.

So, let me share my initial view.

👉 My view: Subscribe selectively, but don’t go aggressive.

The IPO price has been fixed at Rs.23 per unit, which is the top end of the price range.

Why is NNAR interesting? 🏢

✅ It gives investors exposure to real estate through a listed REIT.

✅ The reported NAV is around Rs.32 per unit, compared with the IPO price of Rs.23. So, on paper, investors are getting the units at a discount to NAV.

✅ The REIT is managed by Arif Habib Dolmen REIT Management, which already has experience managing Naya Nazimabad-related REIT projects.

✅ It is a Shariah-compliant investment structure.

✅ The minimum investment is relatively small, making real-estate exposure accessible to retail investors.

But there are risks ⚠️

This is important.

NNAR is a developmental REIT, not a traditional rental-income REIT.

The returns depend on:

Construction → Completion → Sales → Cash realization

So, delays in construction, changes in property prices, sales pace and market conditions can affect returns.

Also, the projected IRR looks attractive, but I would not make my investment decision assuming 30–40% returns.

Always stress-test the investment with more conservative assumptions.

What about the Rs.23 IPO price?

This is where I would be careful.

At Rs.18, the discount to NAV would have been much more attractive.

At Rs.23, the valuation is still interesting, but the margin of safety is lower.

So my view:

🟢 Long-term investor: Consider subscribing.

🟡 Short-term IPO trader: Be cautious. A listing gain is never guaranteed.

🔴 Investor looking mainly for regular income: NNAR may not be the best choice because it is a development-focused REIT.

My strategy 🎯

I would treat NNAR as a long-term 5–7 year investment, not as a quick IPO trading opportunity.

I would also keep the allocation limited and diversified rather than putting a large portion of my portfolio into one REIT.

Bottom line:

👉 At Rs.23 — SUBSCRIBE SELECTIVELY.

I like the concept, the real-estate exposure, the management experience and the discount to NAV.

But I would remain realistic about the risks and would not chase the IPO simply because institutional demand was very strong.

Remember:

Good investment + right price + patience = better probability of success.

Do your own research before investing. This is my personal analysis and not a recommendation to buy or sell.

Know & Grow with Mubasher Jillani
Learn • Analyze • Invest • Grow

🚀 4 AI Infrastructure Stocks Worth WatchingThe AI revolution is creating huge demand for chips, memory, data centers, an...
30/07/2026

🚀 4 AI Infrastructure Stocks Worth Watching

The AI revolution is creating huge demand for chips, memory, data centers, and networking equipment. After reviewing the latest financial results and technical trends, these four companies stand out for both growth and valuation.

1️⃣ Micron Technology (MU)

✅ Forward P/E: 5.46
✅ Record Q3 revenue driven by strong AI memory demand.
✅ Multi-year customer agreements provide better earnings visibility.
✅ Technical trend remains bullish with the stock trading above major moving averages and showing strong momentum after recent earnings.

2️⃣ SanDisk (SNDK)

✅ Forward P/E: 6.33
✅ Revenue and earnings continue to surprise the market.
✅ AI data center demand and higher NAND pricing are supporting growth.
✅ The stock remains in a strong long-term uptrend despite normal profit-taking after earnings.

3️⃣ NVIDIA (NVDA)

✅ Forward P/E: 19.22
✅ Still the undisputed leader in AI GPUs.
✅ Revenue growth remains exceptional as cloud providers continue investing heavily in AI infrastructure.
✅ Technical picture remains very strong, with buyers continuing to support the long-term uptrend.

4️⃣ Hewlett Packard Enterprise (HPE)

✅ Forward P/E: 11. 97
✅ Q2 revenue grew 40% year over year.
✅ Strong demand for AI servers, networking, and enterprise infrastructure.
✅ Technical trend has improved significantly following strong earnings and higher management guidance.

My Take

AI infrastructure spending is still in its early stages. Companies supplying memory chips, GPUs, servers, and networking equipment are likely to benefit over the next several years.

Among these four:

Micron Technology and Sandisk look the most attractive from a valuation perspective.

NVIDIA remains the quality leader despite its higher valuation.

Hewlett Packard Enterprise offers a balanced opportunity for investors looking for AI exposure at a reasonable price.

As always, don't invest based only on low P/E ratios. Look at revenue growth, earnings quality, cash flow, competitive advantage, and the long-term business outlook before making any investment decision.

This is for educational purposes only and should not be considered investment advice.

Know & Grow with Mubasher Jillani

👉 Join my WhatsApp community:
https://lnkd.in/gyuMh-y2

Selloff: Buying Opportunity or Warning Sign?A recent headline caught investors' attention:"NVIDIA's debt against defau...
28/07/2026

Selloff: Buying Opportunity or Warning Sign?

A recent headline caught investors' attention:

"NVIDIA's debt against default jumps 14 basis points to 82."

The news triggered a selloff, with NVIDIA falling from around $208 to $193, close to its 200-day moving average (MA200) of $192.

So, should investors be worried?

The headline refers to Credit Default Swaps (CDS) the cost of insuring a company's debt against default.

A CDS spread of 82 basis points means it costs about $82,000 per year to insure $10 million of NVIDIA's debt.

How does NVIDIA compare with Big Tech?

Microsoft, Apple and Alphabet: Very low credit risk.

Meta and Amazon: Low credit risk.

NVIDIA: Around 82 bps higher than some peers, but still considered relatively low.

Broadcom: Similar due to higher leverage.

Tesla: Generally higher because of more volatile earnings.

Why did the CDS spread increase?

The market is pricing in:

✔ Dependence on AI spending
✔ Customer concentration
✔ Export restrictions and geopolitical risks
✔ Semiconductor industry cycles

Technical View

NVIDIA is now trading near its MA200 support at $192, a level closely watched by institutional investors.

If this support holds, buyers may step in. If it breaks, we could see more short-term weakness.

My Take

One headline should never drive an investment decision.

I focus on:

Business fundamentals
Free cash flow
Balance sheet strength
Competitive advantage
Long-term AI growth

NVIDIA remains one of the strongest companies in the AI ecosystem. The recent correction deserves attention, but it should be viewed in the context of the company's long-term fundamentals.

Are you buying the dip, waiting for confirmation, or staying on the sidelines?

I'd love to hear your view.

Join my WhatsApp community:
https://chat.whatsapp.com/JVYIJZy9ouNF9St3EHUhcy

Markets Update – What’s Driving the Rally?The S&P 500 closed at a record 7,137.90 on Wednesday, gaining 1.05%.What’s sup...
23/04/2026

Markets Update – What’s Driving the Rally?

The S&P 500 closed at a record 7,137.90 on Wednesday, gaining 1.05%.

What’s supporting the market?

1. Easing geopolitical tensions
2. Strong corporate earnings
3. More than 85% of companies beating expectations

However, not everything is moving up:

IBM and ServiceNow declined sharply after earnings

Tesla gave up gains after warning about higher AI-related capital spending

👉 Looking ahead, markets may open slightly cautious as S&P 500 futures are down 0.46% early Thursday.

Key earnings to watch:

Honeywell
American Express
Intel
Blackstone
American Airlines
Comcast
Lockheed Martin

👉 Technical View :
The index is trading in a strong upward channel and has just touched the upper trendline

Price is well above key moving averages (50 & 200) → trend remains bullish

Momentum indicators are overbought, suggesting a possible short-term pause or pullback

Immediate support levels: 6,600 – 6,400 zone

As long as price stays above this range, uptrend remains intact

👉 What this means for GCC expatriate investors:

Markets are strong, but a short-term pullback is possible after this sharp move.

My simple takeaway:
Stay invested, avoid chasing highs, and use dips to build quality positions.

Disclaimer: This is for educational purposes only and not financial advice. Please do your own research before making any investment decisions.


is falling… but is this a warning or an opportunity?Gold has dropped nearly 17% from its January peak, falling from $5...
02/04/2026

is falling… but is this a warning or an opportunity?

Gold has dropped nearly 17% from its January peak, falling from $5,602 to around $4,629.

At first glance, this looks worrying. But when we dig deeper, the story becomes more interesting.

The recent decline is mainly driven by two factors:
• The Fed now expects only one rate cut in 2026 instead of three
• Oil prices have surged above $112, adding inflation pressure

This combination has strengthened the dollar and temporarily pushed gold lower.

👉 But here is the bigger picture…

According to UBS, the long-term outlook for gold remains strong, with a target of $6,200 by mid-2026, implying around 34% upside from current levels.

Why such optimism?

Because the fundamentals are still very solid:
• Central banks are expected to buy around 950 metric tons of gold in 2026
• Gold ETF holdings are at record highs (4,171 tonnes)
• Supply remains constrained — new production is not keeping up

What does this mean for GCC expatriate investors?

If you are investing from the GCC, especially in a region highly linked to oil cycles, gold plays an important role:

• It acts as a hedge against geopolitical risks
• It protects against currency and inflation shocks
• It brings stability to your portfolio when markets are volatile

Short-term volatility is normal.
But long-term wealth is built by understanding the bigger trend — not reacting to short-term noise.

👉 My simple view:
This correction in gold may not be a risk… it may be a strategic entry point for long-term investors.

Disclaimer:
This is for educational purposes only and should not be considered financial advice. Please do your own research or consult a qualified financial advisor before making any investment decisions.

For Expatriates in the GCC: This is NOT the time to panic — this is the time to prepare.If the regional situation worsen...
22/03/2026

For Expatriates in the GCC: This is NOT the time to panic — this is the time to prepare.

If the regional situation worsens or stays uncertain for longer, we need to shift our mindset.

This is no longer just about smart financial planning…this is about economic survival thinking.

Let me share a few practical steps every expat should consider right now:

👉1. Liquidity is your safety net:-
Keep at least 3–6 months of expenses in cash or easily accessible bank balance.
Avoid locking money in long-term investments for now. If possible, spread your funds across multiple banks.

👉2. Prepare your essentials:-
Keep 2–4 weeks of food, water, and basic medicines. This is not panic buying, it’s smart preparation.
Also, reduce unnecessary travel as fuel and transport costs may rise.

👉3. Be smart with remittances:
Support your family back home, but don’t send everything at once.
Keep enough funds in your GCC country for emergencies.

👉4. Stay cautious about your job:
Even stable industries can get affected. Keep your CV updated, explore side income options, and avoid unnecessary job switches right now.

👉5. Avoid debt - Do not take new loans:-
If you already have debt, try to reduce it. In uncertain times, financial flexibility is your biggest strength.

👉6. Control your expenses:-
Review your rent, subscriptions, and lifestyle spending. Small savings today can make a big difference tomorrow.

👉7. Stay informed, not misled:-
Follow official updates from your host country. Stay connected with embassies and community networks.
Keep your important documents safe (both digital and physical copies).

👉8. Have an emergency plan:-
Check your passport validity.
Know your travel options. Keep a separate emergency fund ready.

Preparation is not negative thinking, it’s discipline.

Those who stay financially prepared are the ones who stay stable in uncertain times.

We, as expatriates in the GCC, have always shown resilience.
This time also demands the same clarity, discipline, and foresight.

Many investors get nervous when oil prices start rising. The first question that comes to mind is: Will this push the ec...
16/03/2026

Many investors get nervous when oil prices start rising. The first question that comes to mind is: Will this push the economy into a recession?

According to analysis from Fidelity Investments, oil prices would need to rise to around $135–$145 per barrel and stay at that level for 3–4 months to seriously threaten the economy.

Why that level?

Because historically, recessions tend to occur when household energy spending crosses about 5% of income.

Today, the situation looks very different.

- Crude Oil is around $103
- West Texas Intermediate ( ) is around $99

That is still $32–$42 below the danger zone.

At the moment, households are spending roughly 3% of their income on energy, which is well below the critical level.

Yet the S&P 500 has already fallen about 5% from its recent high, even though the economy is not close to that risk threshold.

Sometimes markets react faster than the actual economic reality.

For long-term investors, this is a good reminder:
Separate market noise from real economic signals.

Markets go up.Markets go down.But your financial plan should stay strong.Many expats panic during market downturns and e...
07/02/2026

Markets go up.
Markets go down.
But your financial plan should stay strong.

Many expats panic during market downturns and end up making costly mistakes — selling at the wrong time or losing confidence completely.

I’ve shared a new video explaining:
✔️ How to protect your wealth during market downturns
✔️ Simple strategies to stay calm and invested
✔️ How to protect income and cash flow
✔️ What smart investors do differently during crashes

If you’re an expat in the GCC and investing for your family’s future, this video will help.

🎥 Watch here: [YouTube link in comments]

Let me know in the comments — what worries you most during a market crash?

S&P 500 – Weekly Chart Update, Market Decline & Investor SentimentA quick look at the S&P 500 weekly chart still gives a...
06/02/2026

S&P 500 – Weekly Chart Update, Market Decline & Investor Sentiment

A quick look at the S&P 500 weekly chart still gives a clear message.

The long-term trend remains up. Price is holding above major moving averages, which means the broader market structure is still healthy. That said, the recent sharp decline has shaken confidence, and sentiment has weakened.

🔍 Why US Stocks Fell Sharply

1. Higher-for-longer interest rate fears
Markets are adjusting to the idea that the Fed may keep rates high due to sticky inflation.

2. Rising bond yields
Higher US Treasury yields reduce the appeal of high-valuation stocks, especially growth and tech.

3. Profit booking near all-time highs
After a strong rally, investors are locking in profits. This is normal in mature uptrends.

4. Valuation concerns
Many large-cap stocks were priced for perfection, leaving little margin for error.

5. Global uncertainty
Geopolitical risks and slowing global growth continue to pressure sentiment.

😟 CNN Fear & Greed Index

The CNN Fear & Greed Index is currently around 32, which sits in the Fear zone.

This shows that: 👉 Investors are cautious
👉 Risk appetite has reduced
👉 Emotions are starting to influence short-term decisions

Fear does not mean the trend is broken. It often appears during pullbacks and consolidations within an ongoing uptrend.

📉 Key Support Levels (Weekly)

🔹 6800 – 6750 → Most important short-term support
🔹 6550 → Strong weekly support, previous resistance turned support
🔹 6315 – 6255 → Major long-term support area

📈 Key Resistance Levels (Weekly)

🔸 6900 – 6920 → Immediate resistance zone
🔸 7050 – 7100 → Next upside target if momentum improves
🔸 7500 → Upper end of the long-term trend channel

👉 How I see it

As long as SPX stays above 6750, the broader bullish structure remains intact
⚠️ A weekly close below 6550 may invite a deeper correction
🚀 A weekly close above 6900 could signal the next leg higher

Markets don’t move in straight lines.
Sentiment changes fast, levels and discipline matter more than emotions.

Stay patient. Stay rational.


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