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तपाईले life insurance को कुरो गर्नु भो सारा जि म non life insurance को कुरो गर्दै छु,
तपाईले हेर्नू भको eps एक महत्वोपुर्ण tool हो जसले company को financial health बताउछ, जुनसुकै कम्पनी होस,eps राम्रो छन्नै पर्छ किन्दा!
नन लाईफ इन्स्योरेन्स को eps एकाधलाई छोडेर सबैको राम्रो छ!

जुन सुकै कम्पनी चाहे ईन्सुरेन्स होस वा अन्य P/E Ratio एकदम महत्वपूर्ण tool हो,यसले stock undervalued or overvalued के छ बताउछ, तर p/e compare गर्दा सम्बन्धित sub index भित्र मात्र गर्नुस,जस्तो बैक र बैक बिच अनि इन्स्योरेन्स र इन्स्योरेन्स बिच,इन्स्योरेन्स मा पनि लाईफ र लाईफ इन्स्योरेन्स बिच नन लाईफ र नन लाईफ बिच मात्र तुलना गर्नुस!

जुनसुकै sector को भए पनि net profit अर्को मुख्य कुरो हो फरक त्यतिअ मात्र हो कसरी gernerate हुन्छ भन्ने हो! ईन्सुरेन्सको net profit generate हुदा पनि assets को अबस्था,long term/short term investment,बिमा सङ्ख्या कति छ, बिमाशुल्क आर्जनको अबस्था कस्तो छ, दाबी कति परे र कति फर्स्यौट गर्यो कति बाकी छ आदि हेर्नै पर्छ!
बिमा कम्पनिले जगेडा कोषमा कति रकम राखेको छ,बिमाकोसमा कति छ,महाबिपत्ती कोषमा कति राखेको छ आदि कुराको राम्रो सङ्ग म अध्ययन गर्छु!
म life insurance मन पराउदिन, तर non life प्राय राम्रै देख्छु,
तपाईं किन्नु नै हुन्छ भने sicl,nlg,sil,nil,pic,picl,lgil किन्नुस सायद खुशी नै दिने छन
तर निर्णय आफै गर्नुस!

Thank you MB ji and Gundruk ji for valuable suggestions. Ma ta citizen ra sanima nai pheri under 650 ra 750 ma aayo bhanne bichar gari raa chu. Herum aaucha ki aaudaina. I don't think i can make much profit if i buy at a price more than that.

Mero insurance ko stock kinne bichar pani cha . but the problem is i dont have any information about insurance sector . Insurance ko the quarterly report haru ni herna aaudina. EPS thorai dekincha.. bonus bhane tannai dinchan . k ho k . Kun Basis ma invest garne ho insurance sector me. Report haru padhna kasari sikne hola.

Gundruk ji ko there is no good stock only good price ekdam kura thik lagyo.
Jastai EBL good stock bhanera k carne 3500 ma kinne lai ghatai ghata bho.. atleast aile ko lagi.
ra Prabhu jhoor bhanera k garne .. 2 -3 years agadi 120 ma kinne sabai mala mal.

Thank you dear bukure!
Keep writing !

Hi M.B,

Although I agree with your advice that general insurance is a better investment than commercial banks at the moment, we have to keep in mind 2 things:

1. Our target should be to invest in sectors and companies when the market is overlooking them and they are undervalued. Buying stocks when they are hot already means that the amount of return you can make is riskier.

2. "The cheap stocks may later become overpriced; the expensive stocks may turn cheap. At some point in its life,almost every stock is a bargain; at another time, it will be expensive. Although there are good and bad companies, there is no such thing as a good stock; there are only good stock prices, which come and go." - The Intelligent Investor

Therefore, even if the insurance stocks you mention are good companies, the price is not always right. So you have to be careful regarding when you enter the market and at what price.

छिटोछरितो सेयर कारोबार गरिरहनु हुन्छ भने मेरो सल्लाह कमर्सियल बैंक किन्दै नकिन्नु होस अहिल्यै !
अहिले भाग्य दाउमा लगाएर हेर्न चाहानु हुन्छ भने नेपाल बैक लिमिटेड किन्नुस मौका हेरेर ३५०-३८५ को रेन्जमा एकदम short term को लागि ४२५-४५० को तार्गेट राख्नुस र त्यति पुग्यो भने सुईक्याईदिनुस ,धेरै लोभ नगर्नुस!
Risk avoider हुनुहुन्छ कमर्सियल बैक नै ताक्नुहुन्छ ,त्यस्तै परे long term मा hold गर्ने क्षमता पनि राख्नु हुन्छ भने definately आँखा चिम्लेर अहिलेको बजार मुल्यमा go with Sanima bank first ,
second option अहिलेको लागि czbil नै हो!
कारोबार भएको भए sbl उत्कृष्ट हुन्थ्यो!

बिकास बैक किन्नु हुन्छ भने mnbbl,edbl किन्नुस!

म त सबैभन्दा उज्ज्वल भबिस्य अहिले General Insurance को देखिरहेको छु!
तत्काल १८०० को target राखेर sil किन्न सल्लाह दिन्छु book close अघि नै बेच्न वा long term को लागि पनि राम्रो हुन्छ,
मलाइ लाग्छ sicl,sil,nlg,nil,pic,picl,lgil जहिले किने पनि पछुतो मान्नु पर्ने छैन।

NMB Bank (NMB)
NMB Bank current paid up stands at Rs. 2.4
billion. It has proposed the bonus shares of Rs.
1.163 billion from profit of FY 2072/73 and also
go for merger with various companies with
value of Rs. 1.755 billion and also makes the
further public offering of Rs. 0.873 billion and
also Rs. 0.888 billion in FY 2073/74
Table 18: NMB Capital Plan Rs in billion
Chart 18: NMB Paid-up Capital Composition

Source: https://www.google.com.np/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwiguODs6MbLAhUVCo4KHcwKDskQFggaMAA&url=http%3A%2F%2Fwww.nmbl.com.np%2Freport-research%2FCommercial_Bank_Paid-up_Capital_Plan.pdf&usg=AFQjCNEBNQFxZMSVsqar5BHwHXzCbGwDKw

Arbin Shakya ji thank you for the suggestion. i have some shares of citizen and sanima. but only 100. So maybe i should add more of them..
I was also thinking about NMB, what do u think is it reasonable to buy at current price?

Also hasn't the book closed for the right shares of prime bank?

and about the loan, i don't know where u can get it, but i am quite new to share market and being a management student i decided to borrow some money from my dad by giving him more money than his bank gives in interest. So its borrowed from my dad and trying to make some money for both my dad and some for me from the share market.

please share with us where can we get the loan at 6% dear Sare_Hamal Jee.....
My suggestion:
Citizens bank : 55% right share on the way http://www.sharesansar.com/sanima-bank-and-citizens-bank-international-right-issues-in-pipeline-at-sebon/
Sanima bank : 50% right share on the way
NICAsia bank: 25% right share on the way
Prime bank : 33.33 % right share on the way http://www.sharesansar.com/prime-bank-8th-agm-today-to-endorse-18-bonus-31-right-share/
Century bank : 30% right share on the way http://www.merolagani.com/NewsDetail.aspx?newsID=25698

I am suggesting these banks according to the price since its price is average as compare to the return they are going to give .... Sell just before the book close if you will be in profit or wait to get right shares and wait for some time ........Sabai ali ali milayera kinda faidai hunchha jasto laagchha .....but read all their balance sheets and analyse before investing ......risks and returns are always your responsibilities ......so happy investing fren......

Sunrise bank : 30% right share on the way

expert please advice me the shares to invest this 5 lakh.
i am scared now coz all the price of the companies seem to have increased a lot already.
Are there still some reasonable shares i can invest on?
Should i just wait and watch for now or just dive in. what to do i am confused. so please help.