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Is it good idea to buy NICA at current rate?

Maile insurance ko first share .. SICL kinne bichar garen. How is the decision. Can i still make profit by buying at this rate. Yesle last year ko bonus dii sakyo ki chaina? aile kine bonus paincha?

I am buying SIL and PIC these days. Of course I am always adding Nabil, HBL, CHCL, SCB, Sanima hydro, MBL (though it is not on trade now) as much as possible when the price is low. SIC has some problem with earthquake claims. Hence thinking of waiting for sometime before investing on it. Not very interested in buying micro-finance and manufacturing stocks. I think I am doing pretty well with these stocks!

Dear Shooting sir!
I think we can book at least 10% profit in skbbl,adbl within 15 days!
There is no market signal of sudden rise in edbl...price,volume,rsi,moving average....on the other hand no signal for book close as well but it is best stock for long term as well!I will think it later but it is not the right time!

There is no doubt adbl will provide at least 20% bonus....just wild guess
.although it has high supply a bit risky ad well...
skbbl could be better ..buyback....if price falls could be best.
Its riskfree stock..could be best for long term.....I guess we can catch certain profit in short term with the rumour of capital rise of micro....ist it the best like cbbl,swbbl...
But now I started to see long term/short term profit in general insurance stock

saugat ji, i am not sure to buy skbbl at this rate ,unless there is charm just like ngbbl.
its a good stock but nepse is high and its time to sell . how about buyback at down price.
I am stacking up edbl bit by bit ,waiting for its book close for agm. I dont know why its taking time ,usually they
do in time. About adbl , depends on its buyers. they have plenty of supply. there is little charm (halchal) .
I will only entry when there is more demands with news about its capital plan. so i am waiting too.

Thank you very much dear Rising sir!
Im planning skbbl as well,since it has not increased much!
I will see its TA as well .I have already looked on FA of skbbl.
This time general insurance and mfc won't go in loss if we could select right stock in right time!

buy back sanakishan MB ji.

My portfolio now;

Loss stock:
nccb,nbb,shpc

Profit Stock:
chcl,ccbl,edbl,
mnbbl,nabil,nlg,
sanima,skbbl,sic,
sicl,sbl,sadbl

Booked profit:
ebl,safl,skbbl,nica,ngbbl

Sold in loss:
nbb,kmcdb,mfl

No gain/loss but sweeped:
slicl

Watching to add (short term):
nica,czbil,scb
hgi,prin,uic,
picl,licn,seti
ngbbl !

Dear experts!

Please make comments!

Dear experts!
About sicl.....
I had the prediction of (before book close) price ie 1850 but it came to be 1855 .....quite near!
After adjustment its price touched 1644.I think it is still bullish!
Lets see which one will run in higher speed,nbb or sicl????

Welcome Investment/Saugat ji.

From 15B increased to 23+ B. Hope there is right too.

Dear Rising sir!
Thank you very much for suggesting me sic
You had suggested HBL as well whose price is gearing up but I'm unable to catch it.
Hope SIC has wonderful days ahead.

Dear Shooting sir!
Thanks again gor nice words!
You are so catchy!
You follow trend!
This time following "halla" is a way of earning in short term!
I wrote Im adjusting my portfolio !
Im neither short term nor long term investor but mix!
Big players has captured our market specially low capital stocks such as most of micro finances and general insurance!
See the volatility is higher in low cap stocks !

hahha saugat ji ,,
its obvious i wont recommend HGI over nlg for long term ,, but for short term ,yes and expecting right share. because you are also short term investor right , ? we all know that our share market runs by big players and their halla ko followers .

Dear Shooting sir!
Thank you very much for comments!
There is no doubt sicl is no one and presently NLG is following it !
SIC has very good history !
Now I have all three stocks ie sicl,nlg and sic.
I choosed these big there ,causes are as follows:
# high paid up(easy to reach one arba paid up)
#highest reserve fund ( it shows good health of company)
# highest bima kosh
#only these three general insurance companies have emergency fund!
#highest amount of premium collections!
#highest no of policies,renewal,claim paid!
#the major part could be the ratio between premium collection and claim to pay.
# Obviously eps ,networth are major portion which are the basis of bonus,right!
# Still there are other growing companis such as sil,nil,pic, hgi,picl,nicl but ther quartly reports are unable to attract me! Cause I want these stock foe long term!

How can other stocks increase paid up nearly to four times higher?
Right? Bonus? Merge?

See the ratio hgi premium collection and unpaid claim (39:477)! So huge! Im afraid of HGI!
See the same in SIC ie 48:173,

So I see no point to go with hgi rather than sic!
And I want to hold these stocks at least one year!

I expect further comments from Shooting sir and Rising sir!

saugat ji ,,
i think nbb is quite confusing stock,if it goes for merge after 3-4 months then investor will be in dilemma whether to hold or sell . its price may hit 600 above only when they announce stock dividend.
about sicl ,i am still positive about its price that can surpass 2000 and after book close it may try to settle down near to 2000.(reasons- capital plan,right share,new meta stock /future blue chips ) i still think HGI is undervalued in insurance with its 20%bs in hand.
SIC is not doing good in 2 quarterly report ,no sign of recovery and eps stand at 9 only which is scary. Whereas NLG is doing good. I rather buy NLG than SIC.

Dear Rising sir!
Obviously 630 looks quite possible for nbb but time frame,I think after 6 months!
I think 2245 is impossible for sicl but I went with it causes are:
#The price of sicl book close will be 1850.
#The adjusted price will be 1850/1.25=1480 around!
# Will it settle around 1500? I think not! It will reach 1600 quite sooner!
# The capital rise( to one arba for general insurance ) is quite easy for shikhar! It can reach without merge,isn't it?
# Only 3 general insurance stocks (shikhar,NLG and sagarmatha) can increase their paid up without merge!This will impact quite positively for these three stocks!

Hello Saugat Ji, NBB has higher 90:10 SICL.

I dont think sinama will rise that high, but if there is right share then sic will easily reach that point.

sankishan will definitely have right share so easily reach 2500 for right and bonus. and nlg could have right after forced capital increment so nlg too have good chance.

In other post, you have put your portfolio, looks great, will make a lot of money within a year. at least 50%.

Dear Shooting sir/ Rising sir and other experts!
Im still in adjustment phase of my portfolio !
Obviously Im trying major portion ( at least 60%) adjustment for long term .And I will be fishing rest investment for short term and mid term!
Today I compared the future between sicl and nbb though these are completely different stocks!
I swept nbb except bonus! I just played a game its quite risky !
If I knew broker becomes ready to sell one stock and buy another stock in the same day by same amount I would change my portfolio few weeks ago!

I calculated this way
today nbb closed @ 485 and sicl @1727
let's imagine 30% rise in both stocks; the price of
nbb becomes 630
sicl becomes 2245!
Which is more likely?
(Note I swept nbb@485 and welcomed sicl@1702/1703)

The day before I did same between sic and sanima!
sic added@1090 but sanima swept @ 718
let's guess boths price rise 30% then
sic becomes 1417
sanima becomes 933
which is more likely to be???
I don't know ,did I do good or not!

I did similar calculation between nlg and skbbl!
Although skbbl and sanima are great stocks in my eyes!

Dear Shooting sir!
After short break you are appeared ,welcome 😁😁😁!
Thank you very much for words !
In fact Im not satisfied with these "N" com. bank stocks!
Q2 shows the heighest eps of Nabil (=ebl 57.5 around)out of com banks.
I will sweep out nccb and nbb if I could be in profit !
All my loan is in Nbb and nccb! No profit there!
I really like sanima and skbbl but I think I sold in right time and invested in right stock rightly!
Profit from the sold stock and again profit from purchased stock ! Hahaha!
Broker is agreed the purpose of purchasing new stock from sold stock in the same day!
I have some more stocks in my eyes ! Time will show me the route!

Step up ji ,, Sicl has has taken no1 spot in non life insurance,, yedi sicl 2000 pugyo vane sic 1400 pugnu parne ho haha
saugat ji , in my view your overall portfolio looks good.
but since you are short term investor as well, you have to sell some stock. mahalaxmi looks just average with LTP ,you could have swap with SAFL , haha CCBL is a dark horse stock,, still have a chance to go merge with ebl or merge with other development banks with good swap ratio ,might be swap bonus ? NCCB need to sell out after it get listed haha (i dont like that stock ) NBB is good stock but doesnt seems high profit in short time and also will go into merge which again freezes sometime for 5-6 month at least. short term stock sell - nccb,nbb,Mahalaxmi ,may be edbl as well to have enough capital to book profit short term . Rest of the stock can be go for long term and slightly downsize or upsize according to their performances. It looks like you are in profit ,are you ? if not you will be ,as according to your portfolio. good luck.

Similar field ,similar pace ,it was the past of these two stocks!
At the time of NEPSE adjustment I also have adjusted my portfolio!
I left right of sanima (I will add back while money comes at my hand) but booked profit in SANIMA,SKBBL,SAFL and downsized NBB while it was 500 and the new intry can be seen in my portfolio of
NLG,SHPC,EDBL and SIC!

I think my portfolio is balanced now:
C.Bank: Nabil,sbl,ccbl,nccb,nbb
D.Bank: Mnbbl,skbbl,edbl,sadbl,kmcdb
Insurence:slicl,nlg,sic
Hydro: Chcl, Shpc
Finance: Mahalaxmi

I need comment at my portfolio from experts specially from Rising sir, Shooting sir!

SICL ko profit 25 Karod abba SIC ko kati aula .... SIC ko pheri 1400 pugne sambhawana kasto rahanchha if they did good profit in same ratio as like SICL ........ Do you think SIC profit is going to be more than 30 karod in 4th Qtr .... ?????????????????