In my view Insurance & Hydro are different sectors for investment than BFI's, Commercial Banks Development Banks & Finance companies financial structure rise & falls almost depends on its deposits, Loan & Management, whereas Life-Insurance companies are limited(8 companies till now) premium based minimum 15yrs Bima Kosh continue grows, only 7% Nepalies are in range of Insurance more 93% growing chances, Loan provided from itself Policy holders funds no risk, as per current inside news NLIC 30coror, ALICL 13coror, GLICL 6coror (upto poush 6months) premium collection so these companies are quite good; in the other hand Hydro companies for ex. CHCL already proved its appearance in market already given 40+30+30% bonus & 30+20+10% cash dividends to its share holders, yearly aprox 1arab collection from electricity generation, AHPC also doing well, new sisters companies are in pipeline and so so, therefore in my opinion Insurance & Hydro will remain in BULLISH...