Alright Bond Kumar Nepal G, mahina ko 5000 haina barsa ko chai 5000 ho. Interest jailey ni per annum huncha..Fixed deposit ko jamana gai sakyo...invest in some business instead...

khotokarma · Mar 22, 2015 7:00 AM

Thank you for correcting me, Ho you are right, it is per annum, I probably was absent minded when I was typing the post above. But don't you agree that- ABA bhanum ma sanga 40 lakh chha rey, For Example, 5% interest rate ma nai Mero Monthly Rupees 16000 aauchha. Okay I understand business is a far better idea if I want to make it big, and on the flip side it is risky. Tara If I choose a safer alternative do you think it is a bad idea? Also thanks for replying KhotoKarma- Why don't you spill some business idea- I might try it if I like the idea.

nepal007 · Mar 22, 2015 7:52 AM

Inflation in nepal  hovers around 10%, You are getting 5% that means you are loosing 5% of your money every year. If inflation is arround 8% you are losing 3% of money every year/ Governemnt in Nepal not controlling these things, that is very sad. bunch of people making money out of nothing because of this low interest rate For example at present inflation in US ia arround 1%, bank also gives you inetrest arround 1% so value of your money remians constant. And even if you lose,you lose only 0.25% of your money That is aceptable risk But In nepal interest on fixed deposit is 5 % means way below inflation ( inflation is devaluationof money). Usually in most of the country banks are supposed to give interest rate either above the inflation or par to the inflation So,it is always  good to start your own business in Nepal. If you are not in a situation to start business ,you need a help of your relatives.. Buy a land, ana ko 5 lakha ma .you will be able to buy 8 ana.leave that for 10 years it will become double very easily. That means you will not lose any money value of your money ( purchasing power) will remain constant on the other hand fixed depositing your money at 5% for say 10 years will reduce value of your mony ( purchasing power)  by at least 25%  If  you want to invest in stock market in us, Invest in stockswhich gives you devidend, Itmay be a good time to buy oilstocks which give devident. choice is yours.

_____ · Mar 22, 2015 8:47 AM

@ Bond Nepal: kasto business garney bichar cha? Retail, Pharmacy, Transportation, Travel, Ticketing..I'm planning to start one, looking for investor. If you or anybody interested let me know. If you are looking for simple investment, nothing can beat gold.

khotokarma · Mar 22, 2015 10:22 AM

Agree with ____________ on the inflation issues. Interest rate parity well explained.

Kiddo · Mar 22, 2015 6:15 PM

KhotoKarma: What is it about Gold Investment. U mean buying Gold Now and holding it till the prices hike up, is that what it is?

nepal007 · Mar 22, 2015 10:19 PM

Double 0 seven : yupp..buy gold ornaments or coins..sell it when price is high..don't forget to sell though..

khotokarma · Mar 23, 2015 2:12 PM

invest in a holiday trip it would definitely help u take you mind off such issues

mercynova · Mar 23, 2015 2:18 PM

Daya: holiday trip is expenditure..no return at all..

khotokarma · Mar 23, 2015 2:39 PM

If u r investing in gold no jewellery ppl see, no guarantee of quality, lots of deduction when I want to sell. Buy gold bar it comes with 99.999% purity.and quality and quantity guaranteed surround the world. In Nepal banks sell them and in us do google. There is even ehow on it. Forbes has article on it.. with 40k I can buy almost 35 ounces of gold bar. But where will I keep it?

Bichitra_Kumar · Mar 23, 2015 5:19 PM

Amazing_Kumar: Bank locker would be safe. You can also hide in some secret box. But don't forget to tell about it to your trustworthy partner coz life is too short..you know what i mean...

khotokarma · Mar 23, 2015 5:25 PM

I was searching for fixed deposit rates. i observed govt. sector bank offers low fd interest . While private sector banks offer little high interest rates.... Bank like NMB and Gandaki Bikas Bank offer high rate... I found list ...i don't know its correct or not:::: https://www.bankindia.org/2014...

Surya Chhetri · Nov 10, 2016 8:03 PM

I changed my mind.. I will not deposit my money at bank. I want to start a business. I want to start a notebook industry. And I want to discuss about the problems that I have to pass through on doing exercises notebook production and selling. I am in south korea now and this is my last year here. If any body have any idea plz suggest me, what can i do and how can i start ??

Nilahari Niroula · Jan 13, 2017 12:58 PM

हात्ती आयो हात्ती आयो फुस्सा ? An empty vessel sounds much. You're in Korea will be doing Notebook business, people living in China will be exporting from Khasaa, People from middle east in remittance. What kind of business you people living in USA will be doing , Recreational marijuana ?

Magorkhe1 · Jan 13, 2017 7:34 PM

I do not know any country which gives the interest rate on savings/fixed deposit more than the inflation rate of the country. The interest rate on no risk investments such as fixed deposit can never be more than inflation, because if the interest rate is more, the inflation will automatically increase. The more money people have, the more the inflation rate will be.

AeX5m7zBC6jf4Z · Jan 15, 2017 11:36 AM