Investing
NEPSE, mutual funds, IPOs, gold, cooperative FDs, debentures, and the schemes that look like investments but are not.
- 12 min read
Can an NRN invest in NEPSE and buy property in Nepal? The rules for 2082/83
The honest 2082/83 rules: NRNs can't yet trade NEPSE's secondary market, but a SEBON joint-investment route, mutual funds, and capped property are open.
GuideNepalNRNNEPSEInvestingPropertyRead post - 13 min read
How to start a SIP in a Nepali mutual fund: the Rs 1,000-a-month route
How to start a SIP in a Nepali open-end mutual fund from Rs 1,000/month: the demat setup, ConnectIPS auto-debit, NAV, loads, tax, and a 20-year worked example.
GuideNepalSIPMutual FundInvestingSEBONRead post - 15 min read
Margin lending on NEPSE: the math that wipes out small accounts
At 70% LTV, a 30% NEPSE drop wipes out 100% of your equity. The real math behind bank margin loans, broker MTF, and the new SEBON 2082 directive.
GuideNepalNEPSEInvestingRiskMargin LendingRead post - 12 min read
IPO allotment in Nepal: how the lottery actually works and why everyone gets 10 kitta
With 6.8 million demat holders and IPOs issuing 12–30 lakh shares, SEBON's 10-kitta rule forces a lottery. Recent IPOs hit 21x–38x oversubscription.
GuideNepalNEPSEIPOInvestingSEBONRead post - 13 min read
Gold as Investment in Nepal: Tola Math, Storage, and the 5-Year Return
Nepali gold prices, the 16% per-year CAGR over 10 years, customs duty, 2% luxury tax, making-charge math, and what your tola actually buys back.
GuideNepalInvestmentGoldRead post - 11 min read
MLM in Nepal: how to spot a pyramid scheme disguised as a 'business opportunity'
Pyramid schemes cost Nepal Rs 3.79 billion in the Unity Life case alone. How to recognise one before you pay the joining fee — the law, the math, the red flags.
GuideNepalScamsMLMPyramid SchemePersonal FinanceRead post - 12 min read
NEPSE sectors decoded: banking vs hydro vs microfinance vs insurance — risk/return reality
Each NEPSE sector behaves differently — earnings, P/E, dividends, dilution, NPL. Here is the honest sector-by-sector map with 2025/26 numbers.
GuideNepalNEPSEInvestingStocksPersonal FinanceRead post - 13 min read
Right shares vs bonus shares vs cash dividend: which actually builds wealth in NEPSE?
Bonus and cash dividends hand you something; a right share asks for a fresh cheque at Rs 100. How the three NEPSE corporate actions differ, and when each pays.
GuideNepalInvestingNEPSERight SharesPersonal FinanceRead post - 15 min read
Mero Share and DEMAT in Nepal: the mistakes that cost first-time investors real money
DEMAT renewal, wrong CRN, missed EDIS, wrong unit counts — the Mero Share and CDSC mistakes that quietly cost Nepali retail investors money. A 2026 guide.
GuideNepalInvestingNEPSEMero ShareIPOPersonal FinanceRead post - 17 min read
Crypto and online forex in Nepal: the legal reality, the penalties, and how the scams actually work
What Nepal's Foreign Exchange Act and NRB's 2017–2022 notices actually say on Bitcoin, USDT and Binance — the fines, the jail terms, and how the scams work.
GuideNepalCryptoBitcoinForexScamNRBCyber BureauLegalRead post - 12 min read
Bonus share vs cash dividend in Nepal: which one actually builds wealth (and the 5% tax both pay)
Bonus shares and cash dividends are both taxed 5% in Nepal — legally the same thing. The real difference is when you pay capital gains, with worked examples.
GuideNepalInvestingNEPSEDividendTaxPersonal FinanceRead post - 13 min read
Are co-operative FDs really safer at 13%? A risk-adjusted look for Nepali savers
Nepali co-operatives advertise 12–14% on FDs, far above banks. What the regulator gap, the Rs 87.89bn embezzlement crisis, and no deposit insurance mean.
GuideNepalCooperativeSahakariFDFixed DepositRiskRegulationRead post - 16 min read
Reading a Nepali mutual fund factsheet without getting fooled by NAV
A line-by-line guide to the monthly factsheet Nepali mutual funds publish — NAV vs market price, AUM, expense ratio, holdings, and the metrics that matter.
GuideNepalMutual FundInvestingNAVSEBONFactsheetRead post - 10 min read
NEPSE vs SIP vs FD for a 25-year-old in Kathmandu
If you're 25 and salaried in Kathmandu with spare money, how to weigh NEPSE direct, mutual fund SIPs, and FDs without falling for the headline returns.
GuideNepalInvestingNEPSESIPFDYoung InvestorRead post - 10 min read
FD vs Mutual Fund vs CIT: where रू 1,00,000 actually grows fastest in Nepal
A 1, 5, and 10-year projection on Rs 1 lakh across a Nepali FD, an equity mutual fund, and the Citizen Investment Trust — tax, lock-in and risk priced in.
GuideNepalInvestingFDMutual FundCITTaxRead post