Couple Years ago i asked my Father why he invested in Land and gold other than just putting the money in the bank and get easy 12% return on the money as an easy return. Here is what his responses were

1. Interest Rates are very volatile if they are paying you 12% now, couple year later it could be as low as 5%.

2. Financial institutions in Nepal could not be trusted. They can go down or get confiscated by the government any time.

3. The biggest threat is from the Kidnappers and the political hoodlums. Once they know you have couple Karods in liquid cash in the bank, you are prone to become a Kidnap or extortion victim. In some cases even the bank employees tell the extortionists how much liquid cash you have available in the bank.

4. If no of those three points applies to you then the local and global inflation makes your cash lesser and lesser each year.