Financial Freedom

  📈 RFPL Stock Analysis: Technical & Fundamental Breakdown By Bigesh Pradhan | June 2025 The Nepali stock market has recently seen renewed interest in micro-cap and hydropower companies. Among them, Rasuwagadhi Hydropower Company Limited (RFPL) has been generating buzz. In this blog, we’ll explore the technical and fundamental aspects of RFPL to help you decide if it’s worth watching—or buying. 🔍 Fundamental Analysis of RFPL 1. Company Overview: RFPL is involved in the construction and operation of a 111 MW Rasuwagadhi Hydropower Project. It is a government-promoted venture and is under the Nepal Electricity Authority (NEA). 2. Shareholding Structure: Government & NEA: Majority stake Public & Local investors: Significant presence through IPO and local allotments 3. Financial Highlights (As of FY 2080/81): Revenue: Project still under construction, so minimal operating income Net Profit/Loss: Still in the pre-revenue phase, recording losses due...

  🏦 बैंकिङ्गका आधारभूत शब्दहरू र तिनीहरूको  व्याख्या 1. बैंक खाता (Bank Account) बैंकमा तपाईंको नाममा खोलिएको खाता, जहाँ तपाईं पैसा जम्मा गर्न, झिक्न वा अन्य वित्तीय कारोबार गर्न सक्नुहुन्छ। 2. बचत खाता (Savings Account) सामान्यतया दैनिक खर्चभन्दा बढी पैसा राख्ने खाता, जसमा बैंकले तपाईंलाई निश्चित ब्याज प्रदान गर्छ। 3. चालु खाता (Current Account) व्यापारी वा व्यवसायिक प्रयोजनका लागि प्रयोग हुने खाता, जसमा दैनिक कारोबारको लागि सीमितता कम हुन्छ, तर सामान्यतया ब्याज दिइँदैन। 4. ऋण (Loan) बैंकबाट लिइने निश्चित रकम, जुन निश्चित समय र ब्याजदरमा फिर्ता गर्नुपर्छ। उदाहरण: गृह ऋण, सवारी ऋण, शिक्षा ऋण आदि। 5. ब्याज (Interest) बैंकमा पैसा जम्मा गर्दा प्राप्त हुने आम्दानी वा ऋण लिँदा तिर्नुपर्ने अतिरिक्त रकम। 6. ब्याजदर (Interest Rate) ब्याज गणना गर्न प्रयोग हुने प्रतिशत दर, जुन बैंकले निर्धारण गर्छ। 7. ATM (स्वचालित टेलर मेसिन) बैंक खाता बाट नगद झिक्न, ब्यालेन्स जाँच गर्न वा अन्य सेवाहरू प्रयोग गर्न सकिने मेसिन। 8. डेबिट कार्ड तपाईंको बैंक खातासँग जोडिएको कार्ड, जसले तपा...

  नेपाल स्टक एक्सचेन्ज (NEPSE) सूचक पछिल्ला महिनाहरूमा निरन्तर ओरालो लागिरहेको छ, जसले लगानीकर्ताहरूमा चिन्ता र अन्योलता बढाएको छ। यस गिरावटका पछाडि विभिन्न आर्थिक, राजनीतिक र मनोवैज्ञानिक कारणहरू रहेका छन्। 📉 NEPSE सूचक किन घटिरहेको छ? 1. आर्थिक अस्थिरता र व्यापार घाटा नेपाल राष्ट्र बैंकका अनुसार, देशको व्यापार घाटा बढ्दो क्रममा छ र रेमिट्यान्स प्रवाहमा पनि गिरावट आएको छ। यसले विदेशी मुद्रा सञ्चिति घटाउने र आयातमा निर्भर अर्थतन्त्रमा दबाब सिर्जना गर्ने काम गरेको छ, जसको असर पूँजी बजारमा प्रत्यक्ष देखिएको छ । 2. राजनीतिक अनिश्चितता र नीतिगत अस्पष्टता सरकारले पूँजी बजारसम्बन्धी स्पष्ट नीति नल्याएको, र चुनावी घोषणापत्र र सरकारको श्वेतपत्रबीचको विरोधाभासले लगानीकर्ताहरूमा विश्वासको कमी ल्याएको छ। यसले बजारमा नकारात्मक मनोवृत्ति बढाएको छ । 3. बैंकिङ क्षेत्रको दबाब बैंकहरूको नाफा अपेक्षा अनुसार नबढ्नु, खराब कर्जा अनुपात (NPL) बढ्ने चिन्ता, र ब्याजदर स्थिर रहनुले बैंकिङ क्षेत्रप्रति लगानीकर्ताहरूको उत्साह घटाएको छ। यसले बजारमा नकारात्मक प्रभाव पारेको छ । nepsetrading.com ...

  📘 Book Summary & Lessons: Simple Wealth, Inevitable Wealth by Nick Murray Want to build real wealth—without chasing trends or timing the market? Nick Murray’s Simple Wealth, Inevitable Wealth offers a timeless, no-nonsense approach to long-term investing. It’s not about “getting rich quick,” but about building unshakable financial security by understanding how wealth is truly created. 🔍 What Is This Book About? At its core, this book is a guide for individual investors —and the financial advisors who serve them—on how to think, behave, and invest like long-term owners, not short-term speculators. Murray argues that wealth is not complicated . In fact, the real challenge is sticking with a simple plan through the emotional ups and downs of the market. 💡 Key Lessons and Principles 1. Equities Are the Only Asset That Builds Long-Term Wealth Nick Murray strongly advocates for owning high-quality equities (stocks) . He argues that no other asset class—bonds, gold, ...

  🌟 The Magic of Compounding for Financial Freedom What if I told you that time , not income, is your greatest ally in building wealth? Welcome to the magic of compounding — a simple yet powerful force that turns ordinary savings into extraordinary wealth over time. Einstein reportedly called compound interest the "eighth wonder of the world." Let’s see why. 💡 What is Compounding? Compounding is when your money earns money — and then that money earns more money . It’s interest on interest, and over time, it creates exponential growth. 🔢 The Power of Patience: Real-World Examples Let’s explore some compelling 30-year scenarios that show how compounding works its magic. 🧮 Example 1: Starting Early — Just $5 a Day Daily Investment : $5 Monthly Investment : ~$150 Annual Return : 10% (stock market average) Time Frame : 30 years 💰 Final Value : $339,073 ✅ You only invested $54,000 total — the rest is pure growth. 🧮 Example 2: One-Time Investment,...

  🌟 चमत्कारिक चक्रवृद्धि ब्याज: आर्थिक स्वतन्त्रताको जादु धेरैले सोच्छन्, "धेरै कमाइ भयो भने मात्र धनी बन्न सकिन्छ।" तर वास्तविकता के हो भने — समय र लगातारको बचत नै तपाईंको सबैभन्दा ठूलो साथी हो। आज हामी कुरा गर्दैछौं चक्रवृद्धि ब्याज (Compound Interest) को — जुन सानो रकमलाई समयको साथमा ठूलो सम्पत्तिमा बदल्न सक्छ। 💡 चक्रवृद्धि ब्याज भनेको के हो? सजिलो भाषामा भन्नुपर्दा: तपाईंले लगाएको पैसा ब्याज कमाउँछ, र त्यो ब्याजले फेरि ब्याज कमाउँछ। समयसँगै, यो ब्याज माथि ब्याजले तपाईंको सम्पत्ति दोब्बर, तेब्बर, चौगुना... बनाउँदै जान्छ। 🔢 ३० वर्षको लागि चमत्कारी उदाहरणहरू यहाँ केही रोचक उदाहरणहरू छन्, जुनले देखाउँछ कि कसरी सानो प्रयासले ठूलो आर्थिक स्वतन्त्रता दिन सक्छ। 🧮 उदाहरण 1: दैनिक रु 200 लगानी (सिर्फ चिया नखाएर बचाएको पैसा!) दैनिक लगानी : रु 200 मासिक लगानी : रु 6,000 वार्षिक प्रतिफल : १२% समयावधि : ३० वर्ष 📈 अन्तिम रकम : रु 2.1 करोड (₹21,055,000) ✅ तपाईंले जम्मा रु 21.6 लाख लगानी गर्नुभयो — बाँकी सबै ब्याज! 🧮 उदाहरण 2: एकपटकको लगानी, अनि '...

  How to Get Financial Freedom in Nepal? 💰 Financial freedom means having enough income and savings to cover your lifestyle without worrying about money. It’s about living life on your terms — whether you want to travel, spend more time with family, or simply relax without stress. In Nepal, achieving financial freedom is absolutely possible with the right mindset, planning, and actions. This blog will guide you through practical steps to build wealth, manage expenses, and secure your future — even if you’re starting with a modest income. What Does Financial Freedom Mean in Nepal? Financial freedom doesn’t mean being rich overnight. It means: Having enough passive income (money earned without working actively) Being debt-free or having manageable debt Having a solid savings and investment plan Being prepared for emergencies without financial panic Steps to Achieve Financial Freedom in Nepal 1. Set Clear Financial Goals Start by asking yourself: How much ...

  📈 How to Start Investing in the Nepal Stock Exchange (NEPSE) – A Beginner’s Guide 🇳🇵 Investing in the Nepal Stock Exchange (NEPSE) is no longer just for big investors or banks. With smartphones, online trading platforms, and increasing financial awareness, anyone in Nepal – even students and job holders – can now start investing. In this guide, I’ll walk you through the step-by-step process of how to invest in NEPSE with a realistic example , plus some beginner tips so you avoid common mistakes. 📌 What is NEPSE? NEPSE (Nepal Stock Exchange) is the only stock exchange in Nepal , where shares of listed companies are traded. You can invest in: Commercial and development banks Insurance companies Hydropower companies Microfinance institutions Investment and manufacturing companies 🪜 Step-by-Step: How to Start Investing in NEPSE 1. Open a Demat Account A Demat (Dematerialized) account is like a digital locker that holds your shares. You can open a ...