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छलाङ कसरी मार्ने?
समयको त्यो सुनौलो पल समाउने अनि लुरुलुरु हिड्ने ,हतार नगर्ने!
एकपटक सबै हेर्न अनुरोध!

यस्तो speculation रहेछ,मलाई त करिब करिब ठिकै लाग्यो है!
http://nepalsharemarket.com/jambforum/Default.aspx?postid=140850#140850

I agree with you dear Ramesh ji

I mean low risk.
Mutual funds's price are less then their value like, SIGS1 price 19, Value 25. If market decrease by 20% it's value will be 20. I think market will not decrease below 20% in two years. because of capital increment of banks, Insurence and MFI. Mutual funds also holding all types of share they will be beneficial any sector's bull. Small investor who can't buy all sector's share they can buy mutual funds.
If u buy EBL at 2900 market decrease by 20%, some % will loss by EBL share also.

I think none of the stocks are riskfree...I mean we should bear certain risk...and these two mutual funds are not riskfree....
The safest investment could be IPO/security bond of nrb.

NTC will be increase after 8arba capital of Commercial banks.
I think NBF1 and SIGS1 will be profitable who doesn't want to take risk because their actual value is more then 20% high. if market decrease by 20% they won't be in loss by actual value. maturity period also below 2 years.

Dear Yackthung!

NTC is good for those who holds sufficient liquid money!
Its not good for those who does not have enough money!
ntc there is no short term profit but there is long term good dividend...it could be long term stock ie more than 4/5 years!

There are lots of opportunities in the market better than ntc, nbl etc
..
mnbbl still could be one out of all!
Non life insurance stocks won't you make you feel unhappy!

Thanks Dilse g, n yeah it's really confusing using a short form of different stock ! Trying to get on that soon as i can. As a talk is going on NTC, for the dividend and locking short term profit purpose it is may be ok as this corporation is already in profit ! for the long run, doesn't seem space of market growth as it is already nation wide !

Lets see what will happen further dear rising sir!



हत्केलो ले घामलाई कहाँ छेक्न सक्छ र?
इन्स्योरेन्स भनेकै नन लाईफ !हा हा हा!

nbb मज्जाले निदाईरहेको छ,sicl ले speculated हद पार गरि सक्यो!
बधाई छ मलाई 437 कित्ता nbb 23000 लसमा बेचेकोमा, किनभने nbb बेचेको पैसोले sicl मा century हानी सक्यो!

Dilse Ji, NBL's assets will be eaten by political staff union. every year it need to sell assets to stay under 5% NPL. NBL is bank which was being used by BINOD CHAUDARY to become billionaire. NBL is useless for honest people.

Dear Yackthung!
First you have to visit broker office and ask there what has to do!
You need dmat account first!

Its learning game, in early stages the name of different stocks in short form could also confuse !

Dear rising sir!
who can win to NBL for its assets if valued in current market price!
I think its no 1.
If we make comparative look improved eps is not only due write back but every idicators are remarkable!

Plz go once with my following analysis:
http://www.sharesansar.com/forum/topic.php?id=5087

NTC ...which don't have good services but its business is well expanded !

There is almost monopoly in market(though ncell is in close competition).

Most people use ntc sim and recharge usually and use internet as well....
It is not good but it is not cheating like ncell!

So besides of its high supply it's a strong company

Paribartan ji, NTC is providing bad service, too many shares. people are forced to use that company, I had to dump their internet a few year ago, and no good option for phone at this time.

NBL bad staff, high NPL. EPS all about selling land.

Dear pariwartan, you almost gone to have me as your name is ! now, i m turning my mind to invest in share market.Though, I have no idea how to enter in secondary market ? is it through broker or can possible individually ! Please post me an idea if you a time !

"काग कराउँदै गर्छ पिना सुक्दै गर्छ।" मेरि आमा भन्नुहुन्छ !
मेरो बिचार सङ्ग न त कोहिले सहमतिको आबाज उठाउछ न त बिरोधका बाजा बजाउछ, आखिर किन?

कुनै thread मा फलानो कम्पनिको p/e यति धेरै छ यो overvalued भयो,फलानो कम्पनिको थोरै छ undervalued भयो भनेर तर्क बितर्क गर्ने गरेको देखिन्छ!

p/e बढी हुदैमा profitability कम र p/e कम हुदैमा profitability बढी नै हुन्छ त?
अबस्य हुदैन!

यदि हुन्थ्यो त licn को मूल्य झरेर 2/4 सय तिर आउथ्यो होला,
अनि nbl,ntc को बढेर 17/18 सयतिर पुग्नु पर्ने होईन र?

nbl,ntc को eps राम्रो हुदा हुँदै पनि किन p/e कम छ त?
यसमा नेपालको अर्थतन्त्रको अवस्था राम्रोसङग बुझ्नैपर्ला!

नेपाल Least developed country हो! Millennium Development Goal 2015 ले गरिबिको रेखामुनी रहेको जनसंख्या 18% मा सिमित गर्ने लक्ष्य राखेको थियो तर 23.8%(21) भन्दा तल झर्न सकेन!
अहिले फेरि Sustainable Development Goal 2030 ले गरिबिको रेखामुनी रहेको जनसंख्या ५% मा सिमित गर्ने लक्ष्य राखेको छ,अस्थिर राजनिती भको नेपाल जस्तो मुलुकमा समयावधि अवधी भित्रमै लक्ष्य हासिल होला त ? अबस्य नहोला!

नेपालले सन 2022 सम्ममा Least developed country बाट developing country मा graduation हुने लक्ष्य पनि त राखेको छ नि होईन र?

नेपालका प्राकृतिक स्रोत साधनको अधिकतम उपयोग हुने तथा राज्यको बिधमान जनशक्ति मुलुकमा नै बिक्ने अबस्था सिर्जना भयो भने यो कुरा बुझे हुन्छ लौ है समुन्नति र समृद्धि नेपालभित्र आईपुग्यो है!

त्यस्तो अवस्था आउदा बिकास निर्माण ,उत्पादन ,प्रशोधन ,उद्योगधन्दा ,कलकारखाना प्रयाप्त मात्रमा तयार भैसकेको हुनेछ्न,शिक्षा,स्वास्थ ,रोजगारी सबै मुलुकभित्र सिर्जना हुनेछ्न,विशाल जनशक्तिको धनी चीन भारत बाट समेत काम गर्न नेपाल आउनेको संख्या बढने छ,नेपालका बैकहरुले बिदेशमा लगानी गर्ने छन , GDP दोहोरो अङ्कमा हुने छ,रेल हबाई सेवा छ्यापछ्यापी पाइने छन!

त्यस्तो अवस्थामा कम्पनिहरुको लगानी बढाउने space एकदम साघुरो हुने छ, eps हेरिने छ p/e पनि खुब हेरिने छ!त्यस्ता दिनमा ntc,nbl हिरो हुनेछन!
तर अहिले जति मच्चिए पनि तिनीहरु ३००० पुग्ने छैनन,अहिलेको मूल्यको दोब्बर समेत हुन तुलनात्मक रुपमा धेरै समय लाग्ला!
मेरो आसय जब growth हुने space बाकी रहदैन , तब high eps कायम रहेर मात्र के गर्नु?
खास p/e ratio कति हुनु पर्ला त? यो त बजारले निर्धारण गर्दै जान्छ,जसले पनि prospect हेर्ने नै हो नि?
insurance vs bank किन हेर्ने? bank bank बिच तुलना गरेर हेरौ न!
अहिले nabil र ebl मात्र हेरौ,नबिल ebl भन्दा मजबुत छैन र?
eps मात्र हेर्नुस त करिब बराबर नै छ,तर nabil 2100 तिर ebl 2800 तिर छ ,होईन र? कस्को p/e बढी छ? अबस्य ebl को! के ebl over valued र nabil uder valued हो त?
अबस्य होईन!

मेरो बिचारमा त ebl को business,growth हेर्दा nabil भन्दा undervalued छ(मसग अहिले nabilp छ,ebl छैन)

किन??
किनभने ebl को चुक्तापुजी मात्र 2.74 अर्ब छ!
nabil को चुक्तापुजी 4.75 अर्ब छ!
मानौ दुबैले बिना मर्ज वा acquisition चुक्तापुजी 8 अर्ब पुर्याए!
ebl ले 5.26 अर्ब र nabil ले 3.25 अर्ब पुर्याउनु पर्ने हो!
अब हेर्नुस त ebl ले दिने return करिब 62% ले बढी हुनेछ, nabil ले भन्दा ,होईन र?

जब दुबै बैकको चुक्तापुजी 8 अर्ब पुग्नेछ, त्यतिबेला दुबैको मुल्य करिबकरिब बराबर नै हुने छ हेरि राख्नु होला! तर अहिले ,ebl र नबिल को यो price gap अझै बढने छ,let's see.....

अब इन्सुरेन्स र बैकबिच यसरी नै तुलना गरेर हेरौ त कसको business growth बढी हुनुपर्ला?
नन लाइफहरुमा पनि ebl र nabil मा जस्तै तुलना गरि हेरौ ,p/e गोलि मारिदिनुस! growth,paid up,promoter,management team focus गरौ तर त्यो दिन सम्म जुन दिनसम्म paid up सबै non life को बराबर हुदैन!paid up बराबर हुने कम्पनी जसको growth,promoter आदि ख्याल राख्दै p/e मज्जाले हेरौ!

insurance को growth prospect को बारेमा दिने return को बारे मा तथा risk र risk recover को बारे पहिला नै लेखिसकेकोले केही लेखिन है !
हेर्नुस त अस्ति भर्खर बिमा समितिले घरको नक्सा पास गर्दा अनिवार्य बिमा गर्नु पर्छ भने सिफारिस गरेछ नेपाल सरकारलाई ,नया नया area फेला पर्दै छन होईन त?
गल्ती कमजोरी होलान सुधार र थप्नु पर्ने कुरा भए सुझाव सहित .....

4)See Rising Sun´s portfolio at that time and views on NLG and my recommendation as well.
http://www.sharesansar.com/forum/topic.php?id=5028

3) See my views along with my portfolio at that time,
http://www.sharesansar.com/forum/topic.php?id=4838

2) Causes behind bullish general Insurance
http://www.sharesansar.com/forum/topic.php?id=5082

Before discussing on the heading I wish to follow the following links :

1) नन लाईफ ईन्सुरेन्स नै किन?
http://www.sharesansar.com/forum/topic.php?id=5101
It will provide you my perspective toward non life insurance and its scop.