I earn certain amount of money through my job and i want to invest (safe invest) that amount so i need some ideas where to and how to invest ?
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Buy some golds😉
Nepal ma bank haru ko FD ma pani ramro % cha. Aba aru ta business ho, but aile ko time ma business ma halnu ta bekar ho.
Halka fulka cha bhaney SIP (Unlimited) ma haldeu. Something is better than nothing. Also, regularly invest garney bani bascha. 1k-3k monthly should be enough.
Share ma halney bhaye Nabil jasto strong company ma halera rakha ani extended time ko lagi forget about it.
Liquidity focused investment gara ailay lai. FD ni huncha but you’d have to pay fees to cash it before maturity or pay premium of 2-5% over FD interest rate if you take out loan.
Safest option: banking app bata monthly fixed deposit ma rakhe
Slightly risky: open ended mutual fund
Moderately risky: Buying shares from companies with long history of good dividend
PS: I am not a financial advisor so take this with a pinch of salt
RemindMe! 2 days
Share market aile ko aawastha ma.
Natra alik paisa jamma garera katai sasto ma jagga nai kinda hunchha bank bata loan liyera. Below ten lakhs mai land haru aauchha gau tera.
The general rule of thumb is the safer the investment the less return you get. Investment also depends on what time period are you looking to put the money away. Think about putting some money into easily available funds for your emergency needs.
There is [this flowchart](https://ukpersonal.finance/flowchart/) by r/ukpersonalfinance, which is maybe the best thing you can follow if you are unsure. Some things might not apply to Nepal but the general personal financial advice especially the steps on the left hand side, are sound advice.
If you got a few lakhs, invest in gold
If you got a few thousands, invest in share market.
If you got many hundreds, invest in silver.
stocks, buy insurance stocks
Don’t dp sip. FD may be. Risk line bhaye shakari 😅
Or buy some good stocks and leave it, nepse kaso nabadhla ra aba