Tag: Investment

The 4 Potential Problems With Variable Annuities
One of the riskiest ventures is investing your money in the stock market. But along with the extreme risk involved, is also has the potential to make you a lot of money. In fact, investing in the stock market can turn out to be one of the most profitable business decisions you’ll ever make if done right.

With so many variables to consider, it is expected that you may have hesitancy to risk your hard-earned cash on a speculative venture in the stock market. The best course of action is to hire a reputable stockbroker to handle your stocks in the beginning. A trained stockbroker can give you dependable stock tips and solid professional advice.

Another good idea is to discuss stocks with an associate or friend with a bit of experience investing in the market themselves. Talking with educated friends and acquaintances can be a good way to get stock advice and knowledge for free.

A well-known stock move is investing in variable annuities using the premium of your insurance. Variable annuities are actually insurance contracts that allow you to invest your premium in mutual fund type investments. While this may seem like a good idea, when you review it more closely, it might be a poor investment.

The following are 4 potential problems with annuities:
1. Early withdrawal penalties can cost you a double penalty. When you withdraw your profits, you will be penalized because insurance plans are designed for retirement. When you take money from your premium, it costs you in penalties to the government and to the insurance company itself.
2. The death benefit affects the people you leave behind. If the stocks you hold are down when you die, your beneficiaries receive as much of the investments as you put in. If stocks are up when you die, they are taxed as regular income.
3. Smaller taxes are paid on ordinary investments in mutual funds and stocks which qualify for low capital gains treatment. The gains from investing in premiums, however, are taxed immediately upon withdrawal.
4. When you buy annuities with insurance features, they are actually more costly than regular mutual funds. When an annuity has more insurance features, there are annual fees heaped on top of it. The result is a loss of profits for you.
Another thing to keep in mind is that timing is a key element to successful stock investing. There are specific times that are good to invest and other times that are poor. During times of hardship or national duress, the prices of stocks may be driven down to a discounted rate, but there is no reassurance that such stocks will recover to realize a significant profit. Educating yourself on the company is key in this situation.

The bottom line with regards to investing in the stock market is diversification. The best decision is to diversify where and when you invest your money so you can always realize some type of profit to offset potential losses.

And you should always hire a reputable finance professional to help guide you through the stock market.
January 3, 2023
Stock Market Strategy for Long Term Success

While investing in the stock market is a risky proposition, that should not stop aspiring investors from taking that first leap. The secret of investing lies in having a stock market strategy for long term success.

Be knowledgeable.

Savvy investors only get into a stock market investment after they become aware of the necessary information about the company. It is unwise to invest in companies before learning everything about them including future plans, current performance and their past history.

It is impossible for an investor to know everything right away. Getting investment advice helps investors locate the right stock that will offer significant profits over time. And an investor should always be aware of the fundamental value of the stock they are purchasing.

Choose to invest in a company that is part of a familiar industry. An investor should have a decent understanding of the business they are investing in so they can fully comprehend the value of the stock. By having this type of knowledge, investors are more independent and do not need to rely solely on advisers and analysts.

Investors should carefully select the sources of information they rely upon. Tips offered out in the stock market should usually be avoided as they are typically provided by people with vested interest.

Have a long term goal.

When investors get started in the stock market, it is important to set a long term goal for success. The goal determines the approaches to be used and influences the decision made in the future. Having a solid goal ensures greater regularity in the face of indecision when the stock market moves.

A long term goal helps investors avoid making spur of the moment decisions that could negatively affect their financial picture. A long term goal helps investors create a more stable financial future by making steady investment purchases. With a long term goal in mind, an investor has greater consistency.

Only take calculated risks.

Speculative ventures must be avoided when investing in the stock market. While there are risks in any business enterprise, they must be calculated carefully to reduce the possibility of loss and maximize potential profits. Guesswork simply does not work when it comes to stock market investing.

The stock market is not a gamble.

Stock investing is not gambling and should not be treated as a game. Investor can lose major money in the stock market and investments simply should not incur huge losses. It is simple to purchase stocks, but difficult to regain lost money.

No investor can afford to make costly mistakes in the stock market. When investors have the desire to gamble, the long term goal must be strictly reviewed and then followed. By revisiting the long term goal, investors can minimize the probability of investing too much money and losing it all.

Be disciplined.

Self-motivation is required for successful investing. To make the most of the stock market, the investor needs to have discipline and determination to keep persevering to achieve their goals.

To be a winner in investing today, you must have courage, passion, knowledge and a stock market strategy. A prudent investor can take advantage of the myriad of opportunities in the stock market for greater financial freedom in the future.

January 3, 2023
The Use of Stock Investment Tools

In days past, stock market information was limited and often buyers depended on stockbrokers to try to get the facts about investments. Today there are a variety of stock investment tools to assist modern investors and maximize the amount of information they can find about potential investments and trading activities.

The widespread use of the Internet puts a wealth of information at your fingertips right away. The Internet has facts about many publicly listed companies in the United States. Certain websites provide free research information, which may be rather general in nature but still useful to beginners. Other companies publish in-depth research reports outlining the activities of listed companies. These detailed reports may only be offered through a subscription, which may be an expensive choice for retail based investors. Based on the quality of the research provided about the company, such detailed reports may wind up costing hundreds or even thousands of dollars.

For simple background facts, stock investors can peruse news articles, analyst reviews and research reports intended to supply fundamental company information. This basic information can come from analyzing previously published financial reports or catching up on current news events regarding the company’s activities. This fundamental research can be a place to start to obtain more information so investors can adequately analyze the data to make educated investment decisions.

Investors can also take advantage of a variety of stock investment tools that offer management or raw data including current stock quotes, index performances or historical price data. Such tools may be purchased from a software company and then installed in computers. These tools assist in gathering, processing and analyzing raw data so the information is more useful to the investor.

For example, an investor can take raw data of the historical closing prices of certain companies and run it through investment software to find out additional information such as the volume of stocks traded on a particular company for a said period of time or the historical price trend of one company compared to an index of other companies. These stock investment tools generate reports that assist investors in developing more effective trading strategies from the raw data they originally had.

Certain stock investment tools purchased from various software companies may cost hundreds of dollars. This type of pricey investment may not be practical for small scale investors looking to make a profit right away. Individual or beginning investors can take advantage of analysis tools on the Internet made available from stock market companies for free to their clients. These tools are also made available for free to online investment clients to help them develop their trading strategies to try to achieve profits.

Efficient stock investment tools, research products and information are readily accessible on the Internet for your convenience. However, it still requires data gathering, interpretation of analysis and careful planning to ensure successful trading. By using some online tools and careful analysis of the data, investors can develop viable trades for long term investment growth.

January 3, 2023
Top 5 Ways to Earn Money for Students

Are you a college student? Do you wish to supplement your pocket money with a little additional cash? We understand that working a 9-5 office job will interfere with your studies. However, you can undertake an online job in your leisure time without investing any money. You can make good money from an internet job if you work hard. Many Nepalese people work full-time from their homes doing online work. There are no headaches from the 9-5 office job, and there are no headaches from the boss. You have the option of being your own employer. You can work whenever you wish. You’ll make some extra money in your spare time, and it won’t interfere with your studies.

But first, you should be aware that there are numerous scams involving online jobs on the internet. You must be aware of the deception. “Earn $1000 a day,” “$100 per hour,” and “earn $100 while you sleep” are some of the advertisements. They’re all con artists. You must be aware of their existence.

Yes, you can make the money mentioned above, but it will take a lot of commitment, time, knowledge, and hard work. You should make it a full-time job. However, for a student whose primary attention should be on their studies, earning $100 or $1,000 every day without a significant time or financial investment is nearly difficult. However, as in Nepal, $100 a month is sufficient for students’ pocket money, which they can earn completing internet jobs in their leisure time without investing.

To do the online work, you’ll need decent computer skills and access to the internet. So, let’s get started.

1. YouTube

YouTube is the finest and simplest way to earn money online without having to invest any money. You must have just used YouTube to look for videos. However, did you know that YouTube compensates the video’s publisher for each view? You can also make money using it. You don’t need a professional video camera to do this. It will be done for you via your smartphone. Make a video using your smartphone that is amusing, entertaining, or interesting. Make a video that you think people will enjoy. Create a YouTube channel, monetize it with Adsense, and when your videos go viral or receive a lot of views, you’ll be able to start making money right away.

2. Blogging

Blogging is an online diary in which one or more people publish articles in chronological order on any topic and keep it updated on a regular basis. You can create your own blog if you are an expert on any subject. There are numerous platforms from which to launch a blog. Blogger.com, on the other hand, is the greatest blogging platform for beginners or students. You can start writing articles on a blog without spending any money. Use social media to spread the word about this article. Once you have a good number of visitors, you can monetise your site with Adsense. After that, you will be compensated when someone views your blog and clicks on your advertisements.

3. PTC (Paid To Click)

PTC is another option to make a small amount of money without having to invest anything. We used the word “little” because it only pays a small amount every click. If you search the Internet for PTC websites, you will find a plethora of them, however the most of them are scams and fakes. So, before joining such a website, you should check the website’s review on the internet or ask me. If you wish to work on PTC sites, we propose Clixsense.com or Neobux.com. After you join the website, they will send you adverts to click, and they will pay you as little as 0.01$ (about NRs) for each click. Worst of all, there is a daily limit on the number of advertising you can receive. So, we wouldn’t encourage it, but if you’re lazy and don’t want to put in the effort to write or upload videos to YouTube, it’s worth a go.

4. Facebook

In both the United States and Nepal, Facebook is the most popular social networking site. It is Nepal’s most viewed website, ranking first. You must have a Facebook account if you are reading this post; if not, you may establish one. The majority of students’ time is spent on Facebook. So, you’re wondering how you make money on Facebook. Create a Facebook page for a certain topic, post updates on a regular basis, and grow the page. You can sell your Facebook page once you have a large number of fans. Many people purchase Facebook pages at a reasonable fee. All you have to do is put forth the effort. This does not necessitate any financial investment.

5. Affiliate Marketing

Affiliate marketing is a type of web marketing that allows you to promote a product from a variety of vendors. As a result, if you become an associate of a merchant and want to advertise their product, you will be given a unique link. You can promote the link for free on many forums and social networking sites such as Facebook, Twitter, and YouTube. And if someone buys something through your link, you get paid a percentage of what the dealer offered. This is difficult, but if you put in the effort, you can make a lot more money with Affiliate Marketing. Though affiliate marketing can help you make a lot of money if you invest, it can also help you make a lot of money if you don’t.

These are the 5 internet jobs for students who want to make money without having to invest any money. We’ve just touched on a small portion of it. If you want to do any of the above-mentioned online occupations, please let us know in the comments section or contact us. We’ll provide you a step-by-step tutorial to get you started.

January 3, 2023
Introductory Tips on Trading Stocks
Everyone is looking for a quick and easy way to riches and happiness. It seems to be human nature to constantly search for a hidden key or some esoteric bit of knowledge that suddenly leads to the end of the rainbow or a winning lottery ticket.

While some people do buy winning tickets or a common stock that quadruples or more in a year, it is extremely unlikely, since relying upon luck is an investment strategy that only the foolish or most desperate would choose to follow. In our quest for success, we often overlook the most powerful tools available to us: time and the magic of compounding growth. Investing regularly, avoiding unnecessary financial risk, and letting your money work for you over a period of years and decades is a certain way to amass significant assets.

Here are several tips that should be followed by beginning investors.

Everyone is looking for a quick and easy way to riches and happiness. It seems to be human nature to constantly search for a hidden key or some esoteric bit of knowledge that suddenly leads to the end of the rainbow or a winning lottery ticket.

While some people do buy winning tickets or a common stock that quadruples or more in a year, it is extremely unlikely, since relying upon luck is an investment strategy that only the foolish or most desperate would choose to follow. In our quest for success, we often overlook the most powerful tools available to us: time and the magic of compounding growth. Investing regularly, avoiding unnecessary financial risk, and letting your money work for you over a period of years and decades is a certain way to amass significant assets.

Here are several tips that should be followed by beginning investors.

1. Set Long-Term Goals

Why are you considering investing in the stock market? Will you need your cash back in six months, a year, five years or longer? Are you saving for retirement, for future university expenses, to purchase a home, or to build an estate to leave to your beneficiaries?

Before investing, you should know your purpose and the likely time in the future you may have need of the funds. If you are likely to need your investment returned within a few months, consider another investment; the stock market with its volatility provides no certainty that all of your capital will be available when you need it.

By knowing how much capital you will need and the future point in time when you will need it, you can calculate how much you should invest and what kind of return on your investment will be needed to produce the desired result.

Remember that the growth of your portfolio depends upon three interdependent factors:
1. The capital you invest
2. The amount of net annual earnings on your capital
3. The number of years or period of your investment
Ideally, you should start saving as soon as possible, save as much as you can, and receive the highest return possible consistent with your risk philosophy.

2. Understand Your Risk Tolerance

Risk tolerance is a psychological trait that is genetically based but positively influenced by education, income, and wealth (as these increase, risk tolerance appears to increase slightly) and negatively by age (as one gets older, risk tolerance decreases). Your risk tolerance is how you feel about risk and the degree of anxiety you feel when risk is present. In psychological terms, risk tolerance is defined as “the extent to which a person chooses to risk experiencing a less favourable outcome in the pursuit of a more favourable outcome.” In other words, would you risk NPR 1000 to win NPR 10,000? Or NPR 10,000 to win NPR 10,000? All humans vary in their risk tolerance, and there is no “right” balance.

Risk tolerance is also affected by one’s perception of risk. For example, flying in an aeroplane or riding in a car would have been perceived as very risky in the early 1900s, but less so today as flight and automobile travel are common occurrences. Conversely, most people today would feel that riding a horse might be dangerous with a good chance of falling or being bucked off because few people are around horses.

The idea of perception is important, especially in investing. As you gain more knowledge about investments – for example, how stocks are bought and sold, how much volatility (price change) is usually present, and the difficulty or ease of liquidating an investment – you are likely to consider stock investments to have less risk than you thought before making your first purchase. As a consequence, your anxiety when investing is less intense, even though your risk tolerance remains unchanged because your perception of the risk has evolved.

By understanding your risk tolerance, you can avoid those investments which are likely to make you anxious. Generally speaking, you should never own an asset which keeps you from sleeping in the night. Anxiety stimulates fear which triggers emotional responses (rather than logical responses) to the stressor. During periods of financial uncertainty, the investor who can retain a cool head and follows an analytical decision process invariably comes out ahead.

3. Control Your Emotions

The biggest obstacle to stock market profits is an inability to control one’s emotions and make logical decisions. In the short-term, the prices of companies reflect the combined emotions of the entire investment community. When a majority of investors are worried about a company, its stock price is likely to decline; when a majority feel positive about the company’s future, its stock price tends to rise.

A person who feels negative about the market is called a “bear,” while their positive counterpart is called a “bull.” During market hours, the constant battle between the bulls and the bears is reflected in the constantly changing price of securities. These short-term movements are driven by rumours, speculations, and hopes – emotions – rather than logic and systematic analysis of the company’s assets, management, and prospects.

Stock prices moving contrary to our expectations create tension and insecurity. Should I sell my position and avoid a loss? Should I keep the stock, hoping that the price will rebound? Should I buy more?

Even when the stock price has performed as expected, there are questions: Should I take a profit now before the price falls? Should I keep my position since the price is likely to go higher? Thoughts like these will flood your mind, especially if you constantly watch the price of a security, eventually building to a point that you will take action. Since emotions are the primary driver of your action, it will probably be wrong.

When you buy a stock, you should have a good reason for doing so and an expectation of what the price will do if the reason is valid. At the same time, you should establish the point at which you will liquidate your holdings, especially if your reason is proven invalid or if the stock doesn’t react as expected when your expectation has been met. In other words, have an exit strategy before you buy the security and execute that strategy unemotionally.

4. Handle Basics First

Before making your first investment, take the time to learn the basics about the stock market and the individual securities composing the market. There is an old adage: It is not a stock market, but a market of stocks. Your focus will be upon individual securities, rather than the market as a whole. There are few times when every stock moves in the same direction; even when the averages fall by 100 points or more, the securities of some companies will go higher in price.

The areas with which you should be familiar before making your first purchase include:
- Financial Metrics and Definitions. Understand the definitions of metrics such as the P/E ratio, earnings per share (EPS), return on equity (ROE), and compound annual growth rate (CAGR). Knowing how they are calculated and having the ability to compare different companies using these metrics and others is critical.
- Popular Methods of Stock Selection and Timing. You should understand how “fundamental” and “technical” analyses are performed, how they differ, and where each is best suited in a stock market strategy.
- Stock Market Order Types. Know the difference between market orders, limit order, stop market orders, stop-limit orders, trailing stop-loss orders, and other types commonly used by investors.
- Different Types of Investment Accounts. While cash accounts are the most common, margin accounts are required by regulations for certain kinds of trades. You should understand how margin is calculated and the difference between initial and maintenance margin requirements.
Knowledge and risk tolerance are linked. As Warren Buffett said, “Risk comes from not knowing what you are doing.”

5. Diversify Your Investments

Experienced investors such as Buffett eschew stock diversification in the confidence that they have performed all of the necessary research to identify and quantify their risk. They are also comfortable that they can identify any potential perils that will endanger their position, and will be able to liquidate their investments before taking a catastrophic loss.

The popular way to manage risk is to diversify your exposure. Prudent investors own stocks of different companies in different industries, sometimes in different countries, with the expectation that a single bad event will not affect all of their holdings or will otherwise affect them to different degrees.

Imagine owning stocks in five different companies, each of which you expect to continually grow profits. Unfortunately, cirplusstances change. At the end of the year, you might have two companies (A & B) that have performed well so their stocks are up 25% each. The stock of two other companies (C & D) in a different industry are up 10% each, while the fifth company’s (E) assets were liquidated to pay off a massive lawsuit.

Diversification allows you to recover from the loss of your total investment (20% of your portfolio) by gains of 10% in the two best companies (25% x 40%) and 4% in the remaining two companies (10% x 40%). Even though your overall portfolio value dropped by 6% (20% loss minus 14% gain), it is considerably better than having been invested solely in company E.

6. Avoid Leverage/Margin Loan

Leverage/Margin loan simply means the use of borrowed money to execute your stock market strategy. In a margin account, banks and brokerage firms can loan you money to buy stocks, usually 50% of the purchase value. In other words, if you wanted to buy 1000 shares of a stock trading at NPR 100 for a total cost of NPR 100,000, your brokerage firm could loan you NPR 50,000 to complete the purchase.

The use of borrowed money “levers” or exaggerates the result of price movement. Suppose the stock moves to NPR 200 a share and you sell it. If you had used your own money exclusively, your return would be 100% on your investment [(200,000 -100,000)/100,000]. If you had borrowed NPR 50,000 to buy the stock and sold at NPR 200 per share, your return would be 300 % [(200,000-50,000)/$50,000] after repaying the NPR 50,000 loan and excluding the cost of interest paid to the broker (which is usually 16% and over).

It sounds great when the stock moves up, but consider the other side. Suppose the stock fell to NPR 50 per share rather than doubling to NPR 200, your loss would be 100% of your initial investment, plus the cost of interest to the broker [(50,000-50,000)/50,000].

A margin is a tool that can go extremely bad in a stock market like Bangladesh.

Final Thoughts

Stock investments historically have enjoyed a return significantly above other types of investments while also proving easy liquidity, total visibility, and active regulation to ensure a level playing field for all. Investing in the stock market is a great opportunity to build large asset value for those who are willing to be consistent savers, make the necessary investment in time and energy to gain experience, appropriately manage their risk, and are patient, allowing the magic of compounding to work for them. The younger you begin your investing avocation, the greater the final results – just remember to walk before you begin to run.
January 3, 2023
Earn Money Online in Nepal | Quick & Easy Ways
Looking to earn money online in Nepal and don’t know where to start. Then you came to the right place as we will tell you how to earn money online in Nepal without any investment.

Who doesn’t want to make money online without having to put any money down? Everyone wants to make money, and everyone need cash. First and first, I’d like to state unequivocally that there is no easy or quick way to make $1,000 in a single day. I’m not saying it’s impossible to make a thousand dollars, but there’s no such thing as an easy way.

For the past few years, there have been various scam websites and news reports claiming that you can easily make money online, and I would like to inform you that all of them are false, and you should not fall for such nonsense.

Can we Earn Money Online in Nepal?

Yes, you certainly can. However, you must be dedicated and focused on specific aspects and refrain from falling for the phony scams and promises.

Isn’t it true that making money online has long been a hot topic in Nepal? When people in Nepal are asked how to make money online, they frequently respond with Data Entry or Captcha Writing. It’s not just restricted to these things; there are hundreds of other ways to make money.

If you’re looking for a way to make money online in Nepal without doing data entry or something similar, here is the place to be. Data entry is one way to generate money online, but there are a variety of other ways to make money online in Nepal. Instead of data input, you can make more using these approaches.

What are the challenges and problems that make earning money online is difficult?

As we work online, the payment is also done online and the payment method is one of the most challenging aspects as PayPal is one of the most used payment methods and Nepal doesn’t support this payment method. Other than that there are no challenges that will stop you from earning money online.

How to solve the problem related to this?

There is always a solution to a problem, and this one is no different. You might ask family or friends who live in a country that accepts PayPal payments to collect your money and transfer it to your account.

Another option is to use Payoneer, which only charges a few percent of the amount when withdrawing from local banks.

What are the different ways to earn money online in Nepal?

I’ll show you 7 easy ways to make money online in just a few minutes. However, you must concentrate on these factors because making money online might be difficult. It’s possible that you won’t make $10 in the beginning. To make money online, you must have patience because it requires a lot of devotion and effort. You can make more than 1000$ every month once you have that. In today’s Nepal, many people are making a solid living by using YouTube and Google AdSense to make money. In this article, I will discuss seven alternative ways to make money online in Nepal.

How to Earn Money Online in Nepal?
1. Facebook Marketing
2. YouTube
3. Blogging
4. Google AdSense
5. Affiliate Marketing
6. Freelancing
7. Sponsored Ads and Reviews
Facebook Marketing

I’d want to inform you ahead of time that Facebook does not pay businesses or people. So, how are we expected to make money off of Facebook? There are a variety of ways to profit from Facebook. Being an Influencer is one of the finest ways to make money on Facebook. An influencer is someone who has a larger-than-average impact on their following. You can be an influencer if you have a large number of followers on social media and can persuade them to do something. This is a great way to get money. There are a variety of brands on the market that wish to use social media to promote their products and services. There is a place where you can approach them and engage with the brands, as well as promote their brands on your profile, pages, and even groups for a fee.

YouTube

After Google, YouTube is the world’s second most popular search engine and the most popular video search engine. This provides you with a huge audience. Many people have recently begun to monetize Google and, as a result, have made a significant amount of money.

You might be wondering how we get money from YouTube. Many vloggers, singers, TV networks, YouTubers, Dancers, and others have made a lot of money using YouTube in recent years.

What would you need?

To begin, you must first create a YouTube channel. To apply for Monetization on YouTube, you must have 1000 subscribers and 4000 hours of playtime in the previous 12 months, and you must update your material and videos on a regular basis. It’s challenging at the beginning, but after you’ve mastered it, you can quickly make money with YouTube.

To reach the 1K subscriber mark and 4000 hours of playtime, you must be incredibly creative and conduct extensive research on what people like to watch and how you can provide it to them. Creating new material and getting people to view it is a difficult task. However, once you have the necessary information and understanding, you can simply accomplish this.

How can you earn through YouTube?

You can sign up for AdSense and link it your YouTube account. Once your AdSense account gets verified, the ads will be displayed in your videos. You will be paid if someone clicks the ads in your videos or per 1000 impressions.

Blogging

When it comes to making money online, blogging is undoubtedly one of the most effective strategies. Blogging is a way to earn money without having to work. Then there’s blogging, where there’s no way of knowing how much money you’ll make. It is entirely dependent on how much time you devote to your site. You can make a thousand dollars in a month or simply ten dollars. As a result, it is entirely dependent on your work, as well as how you do research and incorporate those findings in your blog. If blogging is your hobby and you enjoy it, there is no limit to how much money you can make.

How to start a blog?

F

First and foremost, you will require a blog; if you do not already have one, you may create one using several free platforms such as WordPress or BlogSpot, which will provide a blog under a subdomain under their main domain. I recommend that you utilize WordPress to start your own blog. Before you start a blog, you should conduct a lot of research to figure out what niche you want to focus on. To begin, conduct research and then apply what you’ve learned to your blog.

When you first start blogging, you may not be able to make any money because there are many things to learn before earning money through a blog. Continue to update your blog on a regular basis, and after 5 to 6 months, you will begin to earn money from it.

What are different ways to make money with blogging?
- Advertisement
- Affiliate Marketing
- Google AdSense
- Selling Products Online
- Paid Guest Post Service
- Different Ad Networks like Content.ad, info links, Taboola etc.
Google AdSense

In Nepal, Google AdSense is one of the most popular ways to make money online. All you need is a website or a YouTube channel to start monetizing your website or YouTube channel by placing Google advertisements on your website. When someone visits your website or subscribes to your YouTube channel, you will be rewarded.

Oh, you may be wondering on how to apply for Google AdSense with a website?

It’s very easy to apply for AdSense, all you need is to follow these steps:
- Sign in to AdSense
- Fill Up the Form and Continue
- AdSense will provide a code, copy that code and paste it into your head section. i.e. <head> CODE </head>
- Wait for the verification for google, and if the code is verified then you will see the Ads being displayed in your account.
Note: There are certain Terms and Condition that needs to be followed to get approved by google AdSense.

How can you withdraw your earning?
- Western Union
- Bank Transfer
- Check Method
Affiliate Marketing

One of the most effective ways to make money online is through affiliate marketing. People are making a lot of money with affiliate marketing these days, with some earning over $2,000 each month. So, if they can do it, you can certainly do it. All you need is commitment and desire, and after a few months, you’ll be making $1,000 each month.

You may be wondering, what is Affiliate Marketing?

In simple terms, you get a commission each time if someone purchases certain products with your reference. For example, someone buys a smartphone from amazon where the customer was redirected to amazon through your link.

How can you start Affiliate Marketing?

First and foremost, you must determine which affiliate product best meets your needs or that you wish to market. There are hundreds of things to choose from; all you have to do is decide which one you want to sell.

Physical and digital products are the two sorts of products you can promote. Guides, books, software, video courses, and other digital products provide a high commission range of 50 percent to 75 percent.

Following that, you’ll need a website or a blog. If you already have a blog, that’s excellent; otherwise, you’ll need to make one where you’ll affiliate the products. Include your affiliate links on your website and market it. As your users, they are one of the most crucial components in developing a good audience. Share your content on social media and in other forums to reach the correct audience.

After a few months, you should be able to make a respectable living through affiliate marketing.

THE FACT IS THAT AFFILIATE MARKETING IS NOT EASY MONEY! DO NOT CONSIDER AFFILIATE MARKETING UNLESS YOU ARE WILLING TO WORK HARD AND SPEND TIME (AT LEAST A YEAR OR MORE). LEAVE. IMMEDIATELY.

Freelancing

If you have certain skill sets that can assist others expand their business, freelancing provides a fantastic atmosphere to work from home and market your service. Freelancing has become increasingly popular in Nepal in recent years because it does not require any type of investment or compulsion to work a 9 to 5 job. When you freelancing, you are your own boss because you work on your own schedule.

Some of the most used skills in freelancing:
- Web Development
- App Development
- Web Designing / UI-UX Designing
- SEO (Search Engine Optimization)
- Content Writing
- Photography
- Logo Designer / Photo Editor
- Data Entry
- Video Editor
The above-mentioned skills are most-used skills in freelancing and most paid also. If you have these certain skills then you can earn a good amount of money through freelancing.

Some of the top-rated freelancing sites where you can earn good money are:
- Fiver
- Freelancer
- Up Work
- Peopleperhour
- SeoClerk( Especially for SEO and Digital Marketing )
Sponsored Ads and Reviews

Sponsored Ads is another technique to make money online in Nepal if you have a blog with a fair quantity of traffic and readers. Various brands are attempting to advertise their products or services, and you can connect with them and run sponsored adverts on your site to promote their offerings.

You could also opt for Sponsored Reviews. You can do sponsored evaluations of various underappreciated products if you have a tech-related website or something similar. All you have to do is write product reviews and you will get compensated. Some businesses seek to earn their consumers’ trust, and your evaluations can assist them. It is without a doubt the simplest way to make money online in Nepal.

Many people in Nepal are suffering and having problems with the online payment system since their PayPal accounts are not valid in Nepal. Though there are a few other ways to obtain the funds you have earned. And for a PayPal account, there are three EASY AND LEGAL WAYS to do so in Nepal.

Final Words

Making money online isn’t easy, but it’s also not impossible. All you need is a little amount of hard effort and determination. Don’t ask someone how to make money online in Nepal anymore; you can do it yourself without the fakes and scammers.

Don’t get carried away with the hundreds of ways to make money online. Simply choose a handful that are appropriate for you and focus your efforts on those few methods. You will be making a good quantity of money after a few months. Simply keep yourself motivated by setting a goal and never stopping until you reach it. If you achieve one objective, create a new goal that is a bit more difficult, and keep going until you reach all of your goals.
January 3, 2023
Mero Kitta launched – An online digital map print service

Landowners no longer need to go to the survey office to get a printed map for the purpose of building a home, constructing buildings, or buying and selling after the launch of ‘Mero Kitta.’

The Ministry of Land Management, Cooperatives, and Poverty Alleviation’s Department of Surveying and Mapping has begun offering online services as of today.

At a formal ceremony held at the survey department on Thursday, Prime Minister KP Sharma Oli switched on automated software related to land administration, officially launching the device.

With the aim of providing services online, the department has launched Nepal Land Information System (NeLIS) and Mero Kitta today.

Through the ‘Nepal Land Information System,’ the government will provide map printing, field book printing, and other services to clients right from their homes.

According to the government, the program was started to make survey office services more technologically friendly, hassle-free, efficient, fast, and successful.

The government, according to Prime Minister KP Sharma Oli, has been concentrating on attracting new investment and technology.

“Both offices are identical. Prime Minister Oli said, “We have changed the way we operate.”

The Mero Kitta program, according to Shivamaya Tumbahangphe, Land Management, Cooperative and Poverty Alleviation, has been launched to eliminate delays at the Land Revenue and Survey Office.

He explained that the Land Revenue and Survey Office’s decision to implement a paperless program is in line with the government’s Digital Nepal initiative.

Teknarayan Pandey, Secretary at the Ministry of Land Management, Cooperatives, and Poverty Alleviation, stated that the online service was launched to eliminate the requirement of queuing in the real estate sector.

Secretary Pandey said, “The current migration trend must resolve the problem of providing clients with services from every local Land Revenue and Survey Office.” “Real estate transactions can be completed over the internet.”

He explained that for digital verification, you must often be present, otherwise it would be done online.

18 of the 126 survey offices around the country are yet to go online.

According to the government, all offices will be able to provide online services and conduct business by the end of the year.

According to Pandey, the ministry has begun work on making it possible to view the entire history of land on the internet.

Institutional transactions, banks, and even small businesses can conduct business online, according to him.

Prakash Joshi, Director General of the Survey Department, said that the service would be available in the survey offices of Kalanki, Dilli Bazaar, and Bhaktapur starting today. It will be available in the offices of Chabahil, Lalitpur, Manmaiju, Tokha, and Saankhu within a day or two.

What is Mero Kitta? How to get Mero Kitta service?

Mero Kitta is a web application that allows you to access some of the services offered by survey offices through the internet from anywhere.

Map printing, plot register printing, field book printing, and field drawing application can all be achieved with the Mero Kitta method. To use the Mero Kitta scheme, clients must have a land ownership certificate and citizenship.

To get the service, ordinary users must go to Mero Kitta’s website and fill out an online application in the specified format. The OTP code is sent to the registered mobile number after the application is submitted. For the duration of the service, the code is needed.

After verifying the service details with the offices, all information about the revenue sum to be billed is collected via SMS.

Clients must have a mobile number and an OTP on the connect IPS platform in order to pay the revenue sum. Payment can also be made via banks using an online voucher provided by the system.

Following payment, a digital copy of the map will be imported from the offices, and details will be sent to the smartphone. To obtain the chart, the client must download it within seven days using the registered mobile number and the office’s OTP.

January 3, 2023
Meroshare App : Invest and Transfer Shares Through App

CDS and Clearing Limited (CDSC) has launched a mobile app for the investors of the stock market in Nepal. The currently available web portal for it is shifting as Meroshare app now.

CDSC has done an internal test of the app and has successfully passed it. After the success of the internal test, it is being released for the general public today. CDSC has informed that the application will be made public by holding a press conference this evening.

In the first stage, the app is being made public only for Android users. It will be available to download through the Android play store. CDSC has informed that the iOS version of the app is on the way to the market soon.

Until now, Meroshare’s stock software has been operating as a web-based portal. After this launch, you’ll be able to do the IPO investments, share transfers, view your portfolio, etc. from the app itself. The app will have all the services currently available from the web-based meroshare portal.

The company had been facing backlash after the website crashed frequently in times of having high user requests. After shifting to app, this problem is expected to be resolved.

Download mero share app here : Meroshare App Beta

January 3, 2023
Boosting Your ROI in Stock Market Investing

Everyone wants a high return on their investment in stock market trading. First let’s consider the basics and the ways to earn the most on your investments.

Return on Investment

Usually referred to as ROI, the Return on Investment in stock market investing is the profit earned from selling a security or other asset divided by the amount of the original investment. With stocks, your ROI is expressed as an APR (annual percentage rate).

Your ROI is all the income you make on the stock, which also includes profit earned from selling the stock. When the sales price plus any other income is higher than the price you purchased the stock for, your ROI is positive.

When the sale price plus any other income is lower than the price you bought the stock for, you have a negative ROI (which is obviously what you want to avoid). In fact, as a trader in the stock market, your goal is a high ROI, not just a positive one. To achieve a substantial ROI, consider the following methods to boost your current stock investing efforts.

Know What You Are Purchasing

To ensure a high ROI in stock market investing, garner as much information as you can about the company you want to invest your money in. A bit of basic analysis to find out if the stock is worth the asking price can go a long way. Rather than gambling, you can also ask other people to do this research for you if you don’t have the time to do it yourself. Reliable research resources include the websites of major brokerage firms, mutual fund companies and finance publications. There are also paid newsletter that offer this information.

A Bull Market Is Not The Same As Smart Investing

When you earn a high ROI in stock market investing, there are many reasons for it. One of the possible reasons is your wise investment strategy. Another reason can simply be the good fortune to be in the right place at the right time so you wind up making money with minimal effort. We may feel smarter when the market is soaring so we get tempted to take on riskier positions and trade more frequently, which may not be the wisest decision.

Deactivate Active Trading

You may feel tempted to trade frequently when you are gaining. With online stock trading, investment is a mouse click away which can make you even more impulsive. Remember that it is difficult to make money by beating the stock market consistently. In stock market trading, it is better to have a buy and hold strategy to ensure a high ROI.

Take Note of The Tax Man

Pay attention to tax ramifications when trading stocks. Frequent trading can become extremely costly, especially when major income taxes are triggered by profits. By buying and holding for a period of at least one year, you would qualify for a lower capital gains rate. Your financial advisor should be able to consult with you on this.

January 3, 2023
Guaranteed Ways to Earn Money Online in Nepal
Learn about the most reliable and effective ways to make money online in Nepal while sitting at home. This is the instruction for you if you want to make a ridiculous amount of money on the internet. Get secret internet jobs for students without investing at the end as a bonus.

Advantages:
- Earn money and huge commissions.
- Financial Freedom
- Be your own boss
Warnings:
- Takes a lot of effort and time to learn.
- Is not achieved over night.
- Bad for the eyes, as the bright computer screen can damage them.
- Needs focus and attention.
- As there is a quotation, “no pain, no gain“.
Requirements:
- PC
- High-speed internet
- Basic computer knowledge
- Full Time and Working Hours
- Hard Work & Dedication
- English (written and spoken)
- No Experience Required
How can I Earn Money Online in Nepal?

Take a deep breath if you’re tired of battling challenging jobs or pursuing clients every day. This tutorial will show you how to set up a monthly recurring revenue stream and become self-employed.

These methods assist you in generating a passive income, which is an ongoing income obtained on a regular basis with minimum effort. You can still amass riches even if you cease working on a daily basis.

This article is meant to offer you a rough concept of how to make money online. I’ll give you some pointers on how to create numerous revenue streams that generate recurring money that exceeds your monthly expenses. Turn on the bell notifications or follow me on social media for more in-depth information.

#1. CPA

Top CPA networks:
- Max Bounty
- PeerFly
- NeverBlue
- Fluxads
#2. Google AdSense

Google AdSense is one of the most well-known and reliable ways to earn money online. It’s a contextual advertising program that, if used correctly, will provide you with a guaranteed income. When someone views or clicks on the adverts placed by AdSense, you get compensated.

The AdSense process is broken down as follows:
- First, create a website.
- Put content on it.
- Submit your application.
- Get approved Adsense Account
- Place Ads through it.
- Gain website visitors.
- Get paid every month when you reach a threshold of $100 dollars.
There are a plethora of alternatives available but AdSense is the best. Other networks don’t pay much enough to make a living out of it.

We need a lot of help and advice at the beginning stage to understand AdSense functionality. So, get started by reading my guide on How To Get Adsense Approval.

#3. YouTube

Everybody knows and have heard about YouTube. You might have even discovered people making money from it. But how do they do it?

Let me simplify it for you.

Actually, YouTube and AdSense are similar. In YT, advertisements are displayed in videos than text.

In fact, Youtube has 1 Billion users & 5B clips are being played every single day. As high-speed internet is expanding all over the world, these numbers will double next year.

YouTube success is all about subscribers, views, and watch time. Let me explain:

Subscribers: People who follow your channel and want to continuously watch your videos.

Views: The total number of times a clip was played.

Watch Time: The total time spent by users while watching your videos.

If you can get the maximum number of these three, you don’t need a job in Nepal.

There are many options to earn money from Youtube channel. The oldest is Yt’s built-in Adsense feature. This is different than method #1. The website is replaced by YT to display advertisements in this method. You must be eligible for the YT partners program as follows:
1. Your channel must have 1,500+ subscribers.
2. 4,000 hours of watch time.
3. Channel should have risk free content that does not violate the program rules.
The news channel and pranks are the most popular issues in our country. Despite the dangers of pranks, the stage, setup, and scripts can amuse the audience. However, we do not advise you to do so. You are free to begin working on more profitable issues.

Big firms may sponsor you if you have a large number of subscribers. They request that their product be advertised, and in exchange, they are paid 10 times more than Adsense.

The live broadcast for premium subscriptions as well as the super chat both earn money. At the time of writing, Superchat was not available in Nepal. We require a Paypal or MasterCard account for premium subscribers. Because there are no other funding options for beginners, they rely on Adsense or sponsorship.

By the way, subscribe to my channel here.

Can we earn money from YouTube in Nepal?

Yes, we can earn money from YouTube in Nepal. We need a youtube channel, plan our content based on a specific niche and start uploading videos. A good camera, sound system, and well-written scripts always help. Read my guide on how to start a youtube channel to learn more.

#4. Freelancing – Online Job

Freelancing pays you for completing a skilful task. For example, photo skin retouching, video editing, 3d game assets creation, and more.

The best part – it lets us withdraw money from the bank wire transfer. Clients will pay you a fixed amount for doing a task, that could be anything from design to drawing. It could also be article writing or finding specific things on the internet. Freelancing has unlimited jobs & it is 100% legitimate source of income.

Our take:

We have tried freelancing, and it works. Upwork & Freelancer.com are the best sites for Nepalese. They deposit payment into your bank account. Freelancer dot com is a complete competition site between workers around the world. It is easy to sign up without hard verification. Be sure to make a better profile to impress customers and increase the success rate.

#5. SEO Auditing

Search Engine Optimization is a long term strategy to bring visitors and leads to a website. Every owner needs SEO tools & services to beat their increasing competitors online. But it requires a lot of effort to appear on top of search engines.

In this scenario, learn to do SEO first, which is super easy. The clients might reward a large sum of money up to $500 – 1,000 dollars per project. They can also pay according to your demand. We can negotiate through private chat, video conference, or mobile calls.

Our Take:

Before getting clients, build trust by ranking your website as proof. I will share how to find SEO clients without begging or spamming. Most bloggers don’t share this on their websites. This is a secret technique that I will tell when this post reaches comments from 100 real people.

#6. Web Development

Web development is for expert programmers and coders. This requires advanced and deep knowledge of the following languages:
- HTML
- CSS
- JavaScript
- PHP
- jQuery
- XML
- Bootstrap
- MySQL & More
The above languages can develop and sell websites and mobile apps. To get started with web design and development, watch the following video.

#7. Sell Social Media Accounts

Managing social media is the best online jobs in Nepal. You are paid for handling the celebrity or company pages. Just grow an audience through Social Media Marketing, even without having experience.

YouTube monetization is also difficult due to strict rules. So start a YT channel, then monetize it and sell to buyers.

The same trick can be used for Twitter and Instagram accounts. They have a high amount of money involved and can be sold between Rs. 20,000 to 1 lakh Nepalese rupees. The price relies on the number of followers and audience engagement.

#8. Affiliate Marketing

Affiliate Marketing is quite popular all over the world. We generate commission by selling products from websites on autopilot every month. This process isn’t overwhelming, but it might be confusing for beginners.

The complete procedure for affiliate marketing are as follows:
1. Niche Research
2. Select your affiliate program
3. Zero competition keyword research
4. Build a website
5. Optimize Site Speed
6. Do SEO & Link Building
7. Collect emails
8. Sell Products & earn commission
Some trusted affiliate marketing programs are:
- MaxBounty
- Jvzoo
- Amazon Associates Program
Stay in touch with us as we will soon publish guides on affiliate marketing.

#9. Be An Online Instructor

Becoming an online instructor is another best way to earn money online in Nepal. Suppose you are an expert in a specific field. Sell courses or provide live coaching through videos, and skype chat.

The following type of courses that have high demand:
- Web Design & Development
- Photoshop
- Video Editing
- Psychology (Gestures & Human Behaviours)
- Game & Software Development
- SEO & Blogging Courses
- Mathematics, Physics & Chemistry online classes
- Motivation & Brain-Boosting courses
- Entrepreneurship, etc.
Udemy is a platform to join for free as an instructor and sell video courses.

How can I make money online with zero investment?

These are the ways to make money online without paying:
- Use Google Adsense with a free Blogspot sub-domain.
- Join a freelancing site.
- Become an online instructor
- Attend paid surveys
- Write guest articles for websites.
- Make youtube videos & more
Online Job In Nepal for post-SLC Students (SEE)

Please note that you cannot become super-rich by performing these jobs. They are suitable for pocket money so that to stop begging your parents. Now, an online job here means an occupation that is possible to work from home. We are not trying to state a portal to apply for bank manager, assistant, or similar.

Some online jobs in Nepal for SLC (SEE) passed students are:
- Logo Designing
- Photo Editing & Retouching
- Article Writing
- Sell Social Media Accounts
It requires advanced Photoshop skills for logo designing and photo retouching. For, ‘article writing’ you can find many Nepali bloggers through Facebook. They will pay you per specified number of words per article.

I don’t recommend Blogging, YouTubing, and affiliate marketing for students. It requires research, hard work, and full-time dedication. So, this can divert their minds away from studies. Our country needs real human resources like doctors and engineers than a blogger.

Issues with e-commerce in Nepal

Before we start, let me address a major e-commerce problem in Nepal. Many websites and YT videos tell us fantastic stories to make money online. The figure that they show is unimaginable.

The fact is, you can make money out of anything with proper skills. But for earning from the internet, PayPal or MasterCard is necessary in most cases. This is hardly available in our country.

The methods posted here do not require cards to withdraw money. If you don’t have connections aboard, try these tricks. Also, becoming an IT expert is rarely considered.

Our Advice

At a glance, the top 3 guaranteed ways to earn money online from home are:
- Google Adsense
- Becoming a YouTuber
- SEO Auditing
I hope that this article about how to earn money online in Nepal helped you. I also do web designing and assist students like you. For help on this or want to take it to the next level, feel free to drop a comment below.
January 3, 2023
The Cryptocurrency debate: Is legitimacy necessary?

Cryptocurrency, or “decentralized electronic currency,” is gaining popularity around the world these days. Last January, Nepal’s neighbor India published a “National Strategy on Blockchain” to regulate the technology. However, such currencies and transactions are absolutely prohibited in Nepal.

On the Internet recently, there has been a lot of discussion and information concerning cryptocurrencies. However, in Nepal, a correct understanding of this has yet to be created. Many people have heard of Bitcoin and have a basic knowledge of it. People, on the other hand, seemed to comprehend that ‘cryptocurrency’ means ‘bitcoin,’ and that ‘bitcoin,’ in turn, means ‘cryptocurrency.’ Not only the general people, but also the Nepal Rastra Bank, appears to believe this.

On the 13th of August 2017, the NRB issued a statement claiming that ‘Bitcoin transactions are unlawful in Nepal.’ This, however, has no bearing on other cryptocurrency coins.

Cryptocurrency and Bitcoin

According to CoinMarketCap, there are already over 10,000 cryptocurrencies in circulation around the world. Bitcoin, the first cryptocurrency, is the most valued and widely used. A Japanese programmer invented Bitcoin in 2009.

Thousands of cryptocurrencies, such as Bitcoin, are now available around the world. Ethereum, Polkadot, Ripple, and Dogecoin are examples of cryptocurrencies. In Nepal, however, the belief that Bitcoin is the only cryptocurrency is widespread.

Is it due to a lack of awareness or carelessness?

All economic transactions in Nepal are regulated by the Nepal Rastra Bank. The bank’s policy capacity is called into doubt by its statement on Bitcoin, which is also the guardian of banks, financial institutions, and digital service providers in the country.

Foreign exchange transactions can only be carried out with a license from the Rastra Bank, according to Nepalese legislation. Money must be remitted abroad to trade and invest in bitcoin. The NRB’s declaration on Bitcoin, which came after it was proclaimed that moving money overseas without permission is prohibited, appears to have caused even greater confusion among the people. Is it allowed to invest in other coins? This is an intriguing question that occurs.

Investing possibilities

The worldwide media has recently reported on persons who have made millions of dollars by investing in cryptocurrency.

Two weeks ago, it was reported that a high-ranking Gold Sachs employee had resigned after earning tens of millions of dollars using DogeCoin. Similarly, word circulated quickly that a 25-year-old American had become a millionaire at such a young age by investing in Bitcoin. While its investment and business are growing in Europe and the United States, as well as in India, it is outlawed in Nepal.

At first look, Bitcoin does not appear to be a viable investment option in Nepal, where it is prohibited to transmit money overseas without the approval of the central bank. However, based on posts and statuses on social media and in groups, it appears that a significant quantity of money is being traded surreptitiously from Nepal.

Nepalis are investing in several ways, such as through the creation of websites, peer-to-peer transactions, or through friends and relatives residing abroad. People that invest in cryptocurrencies join groups on social media sites such as Facebook, WhatsApp, and Viber to trade it. Transactions, on the other hand, are not readily apparent because it is against the law.

Limitation of the declaration of illegality to paper

Many business operations that have been declared illegal by Nepalese law have not been stopped by the government. It doesn’t matter if it’s betting, Hundi, or e-commerce.

The indifference of stakeholders, despite the fact that the government’s policies and judgments are limited to paper, and the knowledge that comes out in pieces about these transactions that are done invisibly, is astounding.

Khalti, a digital service provider, alerted the Rastra Bank in April, requesting an investigation into the transaction statements of roughly a thousand users on suspicion of betting. However, the NRB has yet to take any action or make any statements in this regard.

Similarly, despite the fact that the Hundi business of transporting money from Nepal to foreign countries is unlawful, it appears that no action has been taken. Similarly, the Nepal Rastra Bank and the government appear to be on the same page when it comes to Bitcoin.

Is it important to have legitimacy?

This can be viewed from two angles. The world’s most powerful economies have endorsed cryptocurrencies, proclaiming it to be the currency of the future. Cryptocurrencies are being used to pay for restaurant bills, Netflix subscriptions, Tesla cars, and even sports tickets in some regions.

Its instantaneous legitimacy is unthinkable in Nepal, where moving money overseas is a crime. However, if Nepalese policymakers can interpret cryptocurrencies and Bitcoin differently in the near future, it may obtain legitimacy.

Trading in cryptocurrencies, which resembles stock market transactions, is less expensive than trading in fiat money (rupee, dollar, euro, pound, etc.) since cryptocurrency transfers do not require the use of a third party (bank). Without the need of a third party, money can be sent from anywhere in Nepal to anywhere in the world.

Cryptocurrency transactions are made feasible via blockchain technology. As a result, there is no need for a third party to complete the transaction. As a result, transactions are simple, secure, and rapid.

How do the transactions take place?

By opening a TMS account, you can purchase and sell cryptocurrency in the same manner you can buy and sell stocks (on the stock market). Buying and selling takes place on a variety of platforms. It can be traded on sites such as Binance, Crypto.com, Robinhood, Etoro, and Coinbase, for example.

To store this, you’ll need a crypto wallet. The use of blockchain technology is thought to be safe and dependable. To put it another way, transactions on the platforms can be compared to money kept in eSewa, and using a crypto wallet to make bank account deposits.

January 3, 2023
Stock Trading in Nepal – An Introduction

A share is essentially a fraction of a company’s ownership. Purchasing or selling shares entails acquiring or disposing of a portion of the company’s ownership. The stock market, also known as the share market, is a place where you can buy and sell stocks. In order to raise money, public corporations usually sell shares to the public, but the stock market often trades other instruments such as debentures, bonds, and mutual funds.

Dividends are a way for you to get a piece of those companies’ earnings as a shareholder. While share trading is an exciting way to earn money both actively and passively, it is also risky since investors can have to bear the loss if the company fails. As a result, as a novice, it is important that you gain a thorough understanding of the market before investing your money in stocks.

Here is a brief introduction of how you can participate in the game of stock trading.

1. GET STARTED: OPEN A DEMAT ACCOUNT

Opening a dematerialized (DEMAT) account at one of the Depositary Participant (DP) licensed by the Central Depository System and Clearing Limited (CDSC) is a prerequisite to participate in both primary and secondary market. Most commercial banks, merchant bankers and stockbrokers provide such services. If you already own some stocks in your name, then you can give your DP to dematerialize your physical share certificates into dematerialized shares. The DEMAT account is similar to a bank account which debits and credits the shares you sell or purchase. Most DP’s also provide clients with facilities to check their DEMAT account status online as well.

2. KNOW THE MARKET

To get started in the stock market, it is essential to first understand how the market functions. Securities Board of Nepal (www.sebon.gov.np); the sole regulator of the capital market is a useful source for primary information. Its website provides information on various securities laws, investor education, and upcoming public issues amongst others. Similarly, the Nepal Stock Exchange (www.nepalstock.com) the sole secondary market; and its mobile-based application is a great source to get hands-on information. There are many other popular websites that provide constant updates about the capital market such as; Share Sansar and Mero Lagani. Furthermore daily national newspapers, websites of merchant bankers and credit rating agency – icranepal.com – also provide good information.

3. PARTICIPATE IN THE PRIMARY MARKET – APPLY IN PRIMARY OFFERINGS

One of the best opportunities to participate in the capital market is to apply for primary offers in the primary market such as; Initial Public Offering (IPO) or Further Public Offering (FPO). Most companies offer primary issues to the general public at face value of NPR 100 per stock, or at a premium based on their valuations. The risk is lower when you purchase in the primary market as you get an opportunity to buy shares at a lower cost as compared to purchasing those shares in the secondary market once they are listed. Also, look out for opportunities to participate in the primary offering of mutual fund schemes which can be a beginning point.

News about primary issues generally comes out in national newspapers and are widely announced on other media platforms. Once you know the primary issues are out, you can read their prospectus to see their detail information such as; past and projected performance, & management amongst others. You can also look at their credit rating provided by a licensed credit rating agency before making the decision to invest.

4. PARTICIPATE IN THE SECONDARY MARKET– OPEN A TRADING ACCOUNT AT A STOCKBROKER OFFICE

All the stocks offered via the primary market are listed in the secondary market i.e. Nepal Stock Exchange (NEPSE); currently, there are 231 companies listed in the stock exchange. The secondary market provides the platform to sell the shares you hold or purchase new shares from the market. The share price of these listed companies and the value of NEPSE Index changes every day based on total demand and supply of shares in the market.

If you wish to get involved in the secondary market, you will need to open a transaction account at a stock broker’s office. There are currently 50 stockbrokers licensed by NEPSE while there are a few stock broker offices outside Kathmandu. Once you open an account with a stockbroker, they will provide you with a unique ID code via which all the transactions in your name will be executed.

To make a purchase or sale order you will simply have to call your stock brokers or visit their office to place an order, make sure you have the shares in your DMAT account before you place a sell order to your stockbroker. The stockbroker charges some commission as a brokerage fee for each transaction while you have also have to pay a capital gain tax of 5% if applicable while making sales.

5. STILL CONFUSED- SEEK PROFESSIONAL HELP

If you are still confused and less confident about entering the market or you do not have time, energy and resources, do not worry as there are a number of professional licensed Portfolio Management Companies providing you with a full range of products and services under Portfolio Management Services (PMS). Based on your investment goals and expectations, these portfolio managers develop portfolios matching your risk appetite and invests in the capital markets on your behalf. The portfolio manager charges minimal annual and performance fees while these services offer you the opportunity to grasp the benefits of the capital markets. Moreover, you can also handover your existing portfolio to these portfolio managers for restructuring and further management.

All in all, as the stock market is constantly evolving and getting technical, retail investors are highly advised to seek professional advice and avoid making investments on herd mentality – invest wisely!

January 3, 2023