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Maily jannu kojeko kura ni tehi ho kati dincha Nabi mutual fund ley ani yesko dividend cash nai huncha bhancha...ani yesko dividend pauney calculation chai kasto huncha...

ANi Yo NBF le yo year suko nadine ho ki as per their offer letter 8% chai jasari ni dinai parhca ?? k ho sir lau na pls vani dinu paryo :-D

Rajesh ji तपाइको सुझाब र सल्लाहहरु एकदम perfect लाग्छन मलाई l साच्चै भन्ने हो भने MF, balanced fund अनि growth fund मैले त यादै गरेको थिईन l

- यो नेपालको लागी नया कुरा रहेछ l

- risk कम लिन चाहने साना लगानी कर्ताले MF मा जादा हुन्छ नत्र direct share market बाट share उठाउनु उत्तम हुन्छ l

- Mutual fund का unit र share फरक कुरा हुन् l

- MF हरुले आफ्ना SHARE हरु लिलाम गर्ने रहेछन,अन्तिम समयतिर l

- आखिर risk नभएको क्षेत्र कुन छ र ? यसमा पनि हुनेनै भयो l

राजेशजी, तपाईले दिएका दुवै लिंक उपयोगी छन्,झन् तपाईले त आफ्ना comment हरुको ब्लगनै
बनाउनु भएको रहेछ,यो सबै share market का लगानीकर्ताहरुलाई उपयोगी हुने खालका छन् l

फेरी पनि आफ्नो अमुल्य समय मेरो जिज्ञाशा समाधान गर्न दिनु भएकोमा धेरै धन्यवाद l

I have posted below my previous comment on Mutual Funds. I hope, it would be somehow useful.

1. Mutual Funds are different type of investment instruments. But, we, as we are new to mutual funds, treat them as normal shares. Hence, we are concerned about its current price and that price too has been influenced by shares. So, it may take another couple of years to have a proper understanding about MFs in our market. Small amount, long-term and return at maturity are three basic features of MFs, whereas selling units in-between, say before maturity is just an option to use if compelling needs be there. If somebody is interested to read, may be it is better to surf: http://www.investopedia.com/university/mutualfunds/

2. Many among us even do not know the basics of MF and could not differentiate between balanced fund and growth fund. Without knowing the difference and without applying in our situation, we buy MF Units. We should understand, if we could handle our portfolios ourselves or through investment management companies, generally MFs are not for us. We should go for shares in the market directly. And, if we could not do so and we have quite a small amount to invest, MFs could be better options. If we opt for MF but could not take higher risk, then we should go for balanced fund like NBF1. But, if we could take a bit high risk, then growth fund are better like SIGF1. Hence, Nabil Balanced Fund is low risk/low gain, whereas Siddhartha Growth Fund is comparatively high risk/high gain among MFs, but both are low risk if we talk in comparison to company shares in general.

3. NBF1 is for 5 years. That time (or gradually before its maturity date) all its assets would be sold and the final proceeds would be divided equally per unit and paid back. That final payment would make the Fund empty and it gets terminated or closed.

4. The Fund managers start selling gradually much before than the maturity period and make it liquid by putting the money in short-term deposits in the banks. Hence, during the final 6 months, NAV may go marginally down. The shares do not come all of the sudden and they make a good spread while selling. Still, there is some risk that they may not empty their basket and if they sell a good quantity in last hour, it may influence in lowering price but that could be just nominal. In this case also, growth funds are slightly riskier than balance funds. Rarely, I have seen MFs selling their shares of larger quantity in auction.

http://sharenepalcomments.wordpress.com/2013/10/02/some-comments-on-mutual-funds-in-nepal/

comment का लागि धन्यवाद learn2invest जी l

बिज्ञहरुले मेरो जिज्ञाशा अबश्य मेटाईदिनुहुनेछ l

Good points Nissan jee...it will be nice to know.

mutual fund का केहि जिज्ञाशाहरु -

१) जस्तो नबिल र सिद्धार्थलाई उदाहरणका लागि लिउ,के यिनीहरुले ५ बर्ष पछि आफ्नो सम्पूर्ण property बेच्छन हो ?

२) share को कुरा गरौ,यदि बेच्ने हो भने यिनले बेच्न चाहेको बेला सबै किन्ने मान्छे पाउछन भन्ने के guarantee ?

३) कि यिनीहरुले आफ्नो नया scheme ल्याएर त्यो कम्पनीलाई पो आफ्नो property बेच्ने हो कि ?

साथीहरुबाट सहि जानकारीको आशा गरेको छु l