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Investing

57 posts tagged "Investing".

  • 14 min read

    You just received Rs 20 lakh in Nepal: the deployment decision tree

    A Dashain bonus, a Gulf gratuity, a land sale. Where Rs 20 lakh goes when the one-year FD pays 3%, inflation runs 5.96%, and NEPSE sits at 2,630: debt, buffer, then a phased menu.

    GuideNepalInvestingSavingReturneesDashain
  • 16 min read

    What return should you actually assume in Nepal? The number your SIP and retirement math depends on

    Thirty years of NEPSE, twelve years of NRB deposit rates, and a decade of gold and inflation, turned into the planning numbers to type into your SIP and retirement calculators.

    GuideNepalInvestingSavingRetirementFIRE
  • 17 min read

    Why your bank shares stopped paying dividends: the Rs 70 arba profit that became a 2% payout

    Commercial banks earned Rs 69.78 arba in FY 2082/83, yet four cannot pay a rupee and Kumari offers 2.1%. Distributable profit, the regulatory reserve and bad loans, explained.

    GuideNepalInvestingNEPSEBankingDividends
  • 13 min read

    Auction (lilami) shares on NEPSE: how unclaimed rights get sold, and whether bidding is worth it

    Four recent NEPSE auctions cleared 6.5% to 13.6% under market price. How lilami bidding works, why the floor is Rs 100, and where the cut-off math turns against you.

    GuideNepalNEPSEInvestingShares
  • 8 min read

    How the Rasuwa flood wiped out three hydropower stocks on NEPSE overnight

    Three NEPSE-listed hydropower stocks hit their daily circuit limits after the August 2026 Rasuwa flood. What actually happened to each plant, and what it means if you hold the shares.

    NEPSENepalHydropowerInvestingDisaster
  • 14 min read

    Is SIP a scam in Nepal? Auditing seven years of the country's oldest SIP fund

    The marketing says 12.74% a year. Seven years of NIBL Sahabhagita's own filings say about 8.3%. Here is where the gap comes from, and what is actually a scam.

    InvestingNepalMutual FundsSIPNEPSE
  • 11 min read

    SEBON's 2026 IPO reform: what book building and the 50-kitta minimum change for retail

    SEBON's 2026 reform pushes Nepal off fixed Rs 100 IPO pricing toward book building, where the minimum application is 50 kitta, not 10. What actually changes, and when.

    GuideNepalNEPSEIPOSEBONInvesting
  • 10 min read

    Short selling, share lending and intraday trading are coming to NEPSE: what actually changes

    SEBON's Shrawan 2083 consultation paper proposes margin lending, securities lending and covered short selling on NEPSE. What each one does to a buy-and-hold portfolio.

    GuideNepalNEPSESEBONInvestingShort Selling
  • 9 min read

    Hydropower IPOs in Nepal: why they oversubscribe and whether the rush is worth it

    Nepali hydropower IPOs routinely oversubscribe 8 to 38 times. The odds, the listing-day pops, and why 56 of 91 listed hydropower firms have never paid a dividend.

    GuideNepalInvestingNEPSEIPOHydropower
  • 8 min read

    Odd lot shares on NEPSE: what to do with the leftover shares after you sell

    Bonus shares and a partial sale can leave you holding 1 to 9 leftover NEPSE units. How the odd-lot order actually works in TMS, and why fixed charges hurt it most.

    GuideNepalInvestingNEPSESharesTMS
  • 10 min read

    What happens to your shares if your broker or DP shuts down in Nepal?

    79,000 investors had money stuck when SEBON suspended a broker in April 2026. What actually happened to their shares, and what CDSC custody protects you from.

    GuideNepalNEPSEInvestingBrokerCDSC
  • 7 min read

    What a real NEPSE portfolio manager charges, and how a fake 'advisor' scam differs

    Nabil Invest asks Rs 5 lakh minimum and a written 2-year contract. A fake 'advisor' asks for your Mero Share password and nothing in writing. The difference.

    GuideNepalNEPSEInvestingScamSEBON
  • 9 min read

    How much tax do you pay when you sell gold in Nepal?

    Sell your gold in Nepal and owe no capital gains tax, no income tax, no TDS. The 10% CGT and 1.5% TDS you read online are myths. The real cost is the spread.

    GuideNepalGoldTaxInvesting
  • 8 min read

    What your Demat and Meroshare account really cost in Nepal

    Demat opening, annual renewal, Meroshare fee, the Rs 25 DP charge, and ASBA costs in Nepal, separated from trading commission, with the true cost of holding shares.

    GuideNepalDematMeroshareInvestingNEPSE
  • 8 min read

    The foreign-employment IPO quota: how migrant workers get 10% reserved shares in Nepal

    Nepali migrant workers get 10% of every IPO reserved for them. The rule, the bank-account and Demat setup from abroad, and a worked Himalayan Re example.

    GuideNepalIPOInvestingForeign EmploymentRemittance
  • 9 min read

    The 4% rule, adapted for Nepal: how much you can safely withdraw from your corpus

    The 4% rule was built on US data. Nepal's higher inflation, lower real returns, and tax drag push the safe withdrawal rate closer to 3.5% — the math behind it.

    GuideNepalFIRERetirementInvestingPersonal Finance
  • 9 min read

    Barista FIRE in Nepal: semi-retiring on a part-time income

    Barista FIRE means a part-time income covers part of your costs so your portfolio shrinks. Every Rs 10,000/month of work cuts your FIRE number by Rs 34 lakh.

    GuideNepalFIREBarista FIRERetirementInvesting
  • 10 min read

    Can a Nepali resident legally buy US stocks? The 2082/83 rules

    Can a Nepali resident legally open Interactive Brokers and buy Apple or Tesla shares? What the Investment Abroad Act and NRB rules actually allow in 2082/83.

    GuideNepalInvestingNRBUS StocksLegal
  • 10 min read

    Fake share-tip Telegram groups and pump-and-dump in NEPSE

    How paid Telegram and Viber stock-tip groups and pump-and-dump operators work in NEPSE, what Nepal's Securities Act actually punishes, and how to spot the trap.

    GuideNepalNEPSEInvestingScamSEBON
  • 8 min read

    What is ASBA and how IPO money gets blocked in your bank account

    ASBA blocks your IPO money in your own bank account instead of taking it. How the block works, what you need to apply, and what happens when the lottery runs.

    GuideNepalNEPSEIPOASBAInvesting
  • 8 min read

    How NEPSE dividends are taxed in Nepal: the 5% you never see

    Every NEPSE dividend, cash or bonus, is taxed 5% at source before it reaches you. How the final withholding works, how it differs from CGT, and what you net.

    GuideNepalNEPSETaxDividendInvesting
  • 10 min read

    Where Rs 5 lakh would be today: land vs NEPSE vs gold vs FD (10-year look-back)

    Rs 5 lakh invested in 2016 in land, NEPSE, gold, or an FD: what each is worth in 2026, with the CAGR, the taxes, and the catch the headline numbers hide.

    GuideNepalInvestingGoldNEPSEReal Estate
  • 11 min read

    SIP vs lump sum in Nepali mutual funds: which actually builds more

    SIP or lump sum into a Nepali mutual fund? The global evidence, NEPSE's volatility, and a worked rupee example showing when each one builds more.

    GuideNepalSIPMutual FundInvestingNEPSE
  • 11 min read

    FD rates have fallen across Nepal: where do you actually park money now?

    Bank FD rates in Nepal have slid from ~11% to about 4%, and the real return after tax and inflation is now negative. Where your money can actually keep up.

    GuideNepalSavingBankingInvesting