Basically everyone, all insurance company is fraud in nepal , they don't keep their promises what they say before buying any policy... I find every insurance company here tricky and wants to con you.. with there unclear statements.
In my humble opinion, the following will be much better and more rewarding than any type of insurance: Monthly SIP on mutual funds (however small the amount may be) + monthly or quarterly SIP on fundamentally strong stocks (whatever amount you can allocate) + monthly or quarterly or even yearly saving of some amount into fixed deposits (whatever amount you can allocate. All three must be done absolutely regularly for a long period (at least 15 years) and the dividends must be re-invested to realise the magical power of compounding. These will be much better for a secure future and also for liquidity.
there was a recent case where mutual fund stock were sold at below market price rate (after some market manipulation) to either the insider of the mutual funds or the broker involved. So personally i wouldnt trust mutual funds at this stage in nepal. At least some of these funds arent led by trust worthy people in my opinion. Dividing investments in different sectors, and fixed diposits is the way to go in my opinion. In terms of health insurance as suggested by the video, term life insurance (the government one 3500 for 100k worth of medical expenses) seems good enough.
@@sastogeographic5528 Indeed. We cannot trust and rely on any entity fully. SIP on mutual funds is just a way to make a habit of saving some money so that we have a lumpsum for future use or re-investment. SIPs on mutual funds are flexible and offer the power of compounding and one can modify/utilise them any way they deem appropriate when needed. No amount of money is small. However and on whatever we invest, we must do it regularly for a long period of time and with 100% discipline. That is the key.
❤धेरै धेरै धन्यवाद सर 🙏 सारै खुसी लाग्यो कृपया दोस्रो भाग पर्खिरहेको छु यो सम्बन्धी पुरै भाग हेरिसकेपछि म term life insurance policy लिन्छु 🙏🙏🙏 साह्रै आभारी छु सर 🙏🙏🙏
I never gave a single thought of splitting the endowment policy into term life policy and investing the remaining amount in SIP. This is actually a really informative financial content. Looking forward for more financial content.
bro मैले last year नै २१ लाखको endowment insurance गराएको थिए of 18 years... annually around १.२० लाख तिर्छु premium मैले। यो video हेरेर त बेकारमा गराएछु जस्तो लाग्यो 😞😞😞😞
Now i can proudly say that i got 90 out of 100 about life insurance from below 10 in just 16 minutes❤❤Hope you will make it clear about the Health insurance in upcoming videos
Dherai Dheari dhanyavad video ko lagi. Bhabisya ma health insurance barema pani banaunu hola, nepal ma kaha ani kasari use garna milxa. Malai lagchha health insurance aru insurance bhanda badi mahatwopurna chhha.
Insurance is not an investment. Insurance provides protection against unforeseen risks & investments are aimed at growing wealth over time. These are completely 2 different things
@@TheLaxu1234 Again, death, heaven, hell those are different world and dimension. We live at present, we plan and act accordingly. I want to ensure my family members have something instead of nothing.
sir, aba chittai technical analysis ko barey ma pani video lyaunu paryo. ani sir hajur le banaunu bhayeko fundamental analysis ko playlist ma bhayeko 9 ota video le fundamental analysis majale bujhna sakincha? please reply sir. great video hajur.
Thank you very very much sir,,.... insurance real meaning bujaera , bhairako galat practice lai bujaeko ma... Nepal ma available term insurance ko barea ma study, ra without agent lagnea method bheapaxi tyo explanation include vako video bhea jaan ramaro huntheyo....
yes i have felt this so long. ma pani manche haru lai financially security dina help garne plus part time income hunxa vanera euta life insurance company ko agent bichar garey and company le diney training liye where they only focus on endowment policy. And as a agent there is only good commision in selling those endowment type policy only and no commission in selling term life insurance. iwas shocked knowing this business of life insurance here in nepal. ma agent baneko thye manis help garna but ma ta yeta thagi garne dhanda ma aye jasto feel vo so maile ek jana lai ni euta ni policy bechina! I could never do that! Thank you for sharing such a important lesson through this video!
अर्ध सत्य कुरा हो। क्रिटिकल इलेन्स, pramanent टोटल diseble,loan लिने सुविधा,यदि पैसा नभएमा बीमा।समर्पण गर्न सक्छौ,यो कुरा किन नबोलेको ??? Sip संग पैसा खाएर बोले।जस्तो।लाग्यो मिथ्या भिडियो हावा फैलाउने हो
Great video.. however, I guess you have missed the part of tax concession. Insurance Premiums upto NRs. 40k are deductible in tax i.e. you save additional NRs. 12k/annum (if in 30% tax bracket) when you invest in endowment life insurance. This will improve IRR in endowment plans. So, it can be a diversified source of investment if it can be synergized with tax planning.
@@roshabshrestha3743 by investing in life insurance, you will have to pay less tax.. so unpaid tax is an opportunity benefit that can be added when calculating IRR of insurance return.
Share Market एउटा महत्वपुर्ण अर्थब्याबस्थाको मेरुदण्ड हो । खोज, अध्ययन र अनुसन्धान तथा सत्य र तथ्यमा आधारित लगानिकर्ताहरु माझ प्रस्ट र सरल भाषा बिस्वासनिय Chanel GyanMandu हो । कसैले हेर्न छुटाउनु भयो भने पछुताउनु हुने छ । GyanMandu लाई सलाम !!
We need series on this topic .. By my calculation the IRR is not more than 6% in endowment life policy which is far less (-33%) than the annual inflation rate .. which is about half the FD rate forget the compounding interest .. Thanks for the vdo and information ..
Dear Bro, A lot of Nepali People would get huge benefits if you also made a video on the “BEST TERM INSURANCE COMPANIES in Nepal”. Most videos on TH-cam are Either on Endowment or Whole Life Insurance which are too expensive & not worthy at all.
Life insurance shouldnt be seen from investment perspective...life insurance is solely for covering risk ....choosing endowment policy or term insurance or any other plan over one another for more profit may be topic of discussion but insurance of whatsoever kind is vital for todays risky life !!
Life Insurance for all other non-earner family members is equally an important risk management tool. Your idea of only the head of household should carry the life insurance because he is the only breadwinner is a bad suggestion. What if one of the family members gets terminally sick on the verge of dying that otherwise is not covered under their health insurance, life insurance comes into play to cover the financial cost associated with dealing with such misfortune as well. Your point of coverage for loss of income is only one aspect but life insurance is much more than that. People should start reading their policies instead of listening to agents with closed ears.
I know why you don’t post videos very often. It’s because it really takes long time to create precise genuine & quality contents which can educate ppl on finance. Your channel is kinda my library 😊😊
Best Video of any Nepali youtuber regarding life insurance management. Thanks a lot. I was planning for an endowment plan and now after your video, I am shifting to term life insurance. I was thinking of doing SIP in both scenarios.
Thank you for the video...Your video is very informative,i have learned many things from you.But nowadays you are not making the video frequently like you used to make before
Systematic Investment Planning ko barema kunai video banaunu vayeko xa? Xina vane banaidinus na for knowledge of general people who dont know about SIP.
To all viewers and investors here. There are more additional benefits to endowment plans. You just need to know how to use this. But if you are new and don't have any other purposes then going for the suggested route in this video is probably the best one.
@@sandipbasnet4189 endowment plan bata loan lina pani sakinxa which can be crucial during emergency or opportunity dekheko belama grab garna sakinxa, tax return ra opportunity cost of gap ko comparison nai xaina video ma.....yestai sanosano benefits haru dherai xan. Yo benefits 1ta sadharan manxe ko lagi sano hunxa tara 1ta businessman ko lagi thulo huna pani sakxa. Most cases ma term life policy better hunxa. And if you dont know about endowment plans than ignore gareko nai best hunxa. The video doesnt talk about latest strategies and plans about insurance. May be the creator doesnt know much about it. But i am pretty sure he knows that but still present us the video like this because in around 90 percent of the cases you will be in loss by doing endowment plans. Overall this video is great for majority of Nepali audiences but incomplete or misleading for American audience or for professionals.
Person should select plan according to their motive. Hello sir, I agree with ur explanation but What ever u explained is suitable for a little educated person. If the people is not much educated and if the person belongs from weaker section Endowment plan and whole time insurance is best for him.
@@koopeigwer8072 Boss decision is made considering both positive and negative aspects. This is my opinion ,ur opinion may be differ .I gave situational comment .u need to understand .Dont take it in wrong way .I am myself aware regarding investment importance.
Actually,,, if nicely done,with rules and regulations,with pure heart and specfic intention,,,, Life insurance can be the best thing,,, I stay in japan,,,. And life insurance here is so developed,we nepalese can't even think😢
It is not scam.. Insurance garauda aafno manche agent bata garaunu. Jasle usko commission ko paisa tapai lai firta garos. Jastai maile garey. Prabhu ma insurance garey. Mero causin ko thru. And he returned me back the commission he got. Thank you. 🙏🙏🙏🙏
Man I really don’t know about it I was supposed to do insurance last year however I didn’t. Thank you for valuable information. @GYANmandu never disappoints us 😊🙏
Thank you very much for eye opening information. Nepal ma term life insurance garnu lai best insurance company or government ko insurance xa ki nai yesko bare ma pani detail video banaunu paryo
Yes and there is so many other benefits, he just spreading old theory which many TH-camr or so called motivational speaker or gyanchhod das 😅 saying just to have views but its not true practically .. endowment plan is best plan than any plan.
video ma clearly vaneko xa ta, endowment ko satta ma sip ra personal insurance garnu dherai ramro. sip ma paisa hunxa bhane loan ko jaruri nai parena ni.
sir most lai thaxa life insurance ko barema. we are confused in health insurance mero ximeki kaka lai 3 din norvic hospital ma rakhda ded 2 lakh ko bill ayo re.. plz can you make one video on health insurance
Yo sip ko calculation bujiyena sir. And term insurance Garda return kei aaudaina vanne tha Huda hudai kasle lagani garx?? Jun lagani gareko bapat aafulai return xaina tyo lagani hamlai ghata ra insurance Lai faida hune honi hoina ra??
Can your calculation be on an example if a person buys an endowment policy or term life policy and then dies in 1 year time then what would be the IRR, explain which policy would be more fruitful? How much would be a Term life insurance return amount for a short time frame within 5 years if death occurs? Hope to receive your responses.
There is a mistake in 11:48 , total return 20 crore haina 2 crore huncha , 12% compounded annually ma. Hope you find the video useful
Yes
Which insurance company is best in Nepal
Basically everyone, all insurance company is fraud in nepal , they don't keep their promises what they say before buying any policy...
Basically everyone, all insurance company is fraud in nepal , they don't keep their promises what they say before buying any policy... I find every insurance company here tricky and wants to con you.. with there unclear statements.
हैन म्यादि जीवन विमा चाहिँ विमा अवधि पुराा भएपछि कुनै पैसा पनि नआउने हो र ??
In my humble opinion, the following will be much better and more rewarding than any type of insurance: Monthly SIP on mutual funds (however small the amount may be) + monthly or quarterly SIP on fundamentally strong stocks (whatever amount you can allocate) + monthly or quarterly or even yearly saving of some amount into fixed deposits (whatever amount you can allocate. All three must be done absolutely regularly for a long period (at least 15 years) and the dividends must be re-invested to realise the magical power of compounding. These will be much better for a secure future and also for liquidity.
there was a recent case where mutual fund stock were sold at below market price rate (after some market manipulation) to either the insider of the mutual funds or the broker involved. So personally i wouldnt trust mutual funds at this stage in nepal. At least some of these funds arent led by trust worthy people in my opinion. Dividing investments in different sectors, and fixed diposits is the way to go in my opinion. In terms of health insurance as suggested by the video, term life insurance (the government one 3500 for 100k worth of medical expenses) seems good enough.
@@sastogeographic5528 Indeed. We cannot trust and rely on any entity fully. SIP on mutual funds is just a way to make a habit of saving some money so that we have a lumpsum for future use or re-investment. SIPs on mutual funds are flexible and offer the power of compounding and one can modify/utilise them any way they deem appropriate when needed. No amount of money is small. However and on whatever we invest, we must do it regularly for a long period of time and with 100% discipline. That is the key.
Sabai le bujne bhasa bhanum na🤣 just keke ma invest garni bhanera
❤धेरै धेरै धन्यवाद सर 🙏
सारै खुसी लाग्यो
कृपया दोस्रो भाग पर्खिरहेको छु
यो सम्बन्धी पुरै भाग हेरिसकेपछि
म term life insurance policy लिन्छु 🙏🙏🙏 साह्रै आभारी छु सर 🙏🙏🙏
Same idea here too
I never gave a single thought of splitting the endowment policy into term life policy and investing the remaining amount in SIP.
This is actually a really informative financial content.
Looking forward for more financial content.
This is what I have been looking for several years. Appreciated❤. Now let us know about best companies providing term life policy. Thank you!
bro मैले last year नै २१ लाखको endowment insurance गराएको थिए of 18 years... annually around १.२० लाख तिर्छु premium मैले। यो video हेरेर त बेकारमा गराएछु जस्तो लाग्यो 😞😞😞😞
ko ho agent teslaai tiraunuu aaba
Now i can proudly say that i got 90 out of 100 about life insurance from below 10 in just 16 minutes❤❤Hope you will make it clear about the Health insurance in upcoming videos
Your videos are amazing brother. This is important for financial literacy in Nepal. Waiting for 2nd part. Keep up the good work!
This is the best video about insurance on Nepal. Hope to see more videos.
Kaha thiyeu timi gyanmandu. maile Endowment policy liyepasi ayeu.
Derai derai thanks its a historic video
Dherai Dheari dhanyavad video ko lagi. Bhabisya ma health insurance barema pani banaunu hola, nepal ma kaha ani kasari use garna milxa. Malai lagchha health insurance aru insurance bhanda badi mahatwopurna chhha.
Keep making these types of videos. It is useful for all individuals. Clear and useful concept
What a video
Every nepali must adopt too
Love your work bro
Insurance is not an investment. Insurance provides protection against unforeseen risks & investments are aimed at growing wealth over time. These are completely 2 different things
It's wrong how you think, You rather die with hope going heaven then thinking about this stupid currpted world.
@@TheLaxu1234 Again, death, heaven, hell those are different world and dimension. We live at present, we plan and act accordingly. I want to ensure my family members have something instead of nothing.
sir, aba chittai technical analysis ko barey ma pani video lyaunu paryo. ani sir hajur le banaunu bhayeko fundamental analysis ko playlist ma bhayeko 9 ota video le fundamental analysis majale bujhna sakincha? please reply sir. great video hajur.
Thank you very very much sir,,.... insurance real meaning bujaera , bhairako galat practice lai bujaeko ma...
Nepal ma available term insurance ko barea ma study, ra without agent lagnea method bheapaxi tyo explanation include vako video bhea jaan ramaro huntheyo....
Finally so nicely explained about insurance..
Thank you so much brother for such informative video that's why I have started my SIP just 2 days before ☺️🙏
Not the knowledge i deserved, but the knowledge i needed. This will really come handy for me someday, thanks alot
yes i have felt this so long. ma pani manche haru lai financially security dina help garne plus part time income hunxa vanera euta life insurance company ko agent bichar garey and company le diney training liye where they only focus on endowment policy. And as a agent there is only good commision in selling those endowment type policy only and no commission in selling term life insurance. iwas shocked knowing this business of life insurance here in nepal. ma agent baneko thye manis help garna but ma ta yeta thagi garne dhanda ma aye jasto feel vo so maile ek jana lai ni euta ni policy bechina! I could never do that! Thank you for sharing such a important lesson through this video!
Daami information.. kasto sahi time ma paayechhu yo information ❤️
अर्ध सत्य कुरा हो।
क्रिटिकल इलेन्स, pramanent टोटल diseble,loan लिने सुविधा,यदि पैसा नभएमा बीमा।समर्पण गर्न सक्छौ,यो कुरा किन नबोलेको ???
Sip संग पैसा खाएर बोले।जस्तो।लाग्यो
मिथ्या भिडियो हावा फैलाउने हो
Great video.. however, I guess you have missed the part of tax concession. Insurance Premiums upto NRs. 40k are deductible in tax i.e. you save additional NRs. 12k/annum (if in 30% tax bracket) when you invest in endowment life insurance. This will improve IRR in endowment plans. So, it can be a diversified source of investment if it can be synergized with tax planning.
can you explain a little..pls
@@roshabshrestha3743 by investing in life insurance, you will have to pay less tax.. so unpaid tax is an opportunity benefit that can be added when calculating IRR of insurance return.
Share Market एउटा महत्वपुर्ण अर्थब्याबस्थाको मेरुदण्ड हो । खोज, अध्ययन र अनुसन्धान तथा सत्य र तथ्यमा आधारित लगानिकर्ताहरु माझ प्रस्ट र सरल भाषा बिस्वासनिय Chanel GyanMandu हो । कसैले हेर्न छुटाउनु भयो भने पछुताउनु हुने छ । GyanMandu लाई सलाम !!
thank u sir
After long time valuable informative videos ko lagi dherai dherai dhannebadh 👏🙏🏻
आम्दानी मात्रै हेर्ने भए Meter ब्याज मा पैसा लगानी गर्न
Sip,र fd को कुरा गरेर उल्लू बनाउने
Most awaited or expected type of video is finally out here! Many thanks bro for making us aware on insurance scams! ❤❤❤
We need series on this topic .. By my calculation the IRR is not more than 6% in endowment life policy which is far less (-33%) than the annual inflation rate .. which is about half the FD rate forget the compounding interest ..
Thanks for the vdo and information ..
Dear Bro,
A lot of Nepali People would get huge benefits if you also made a video on the “BEST TERM INSURANCE COMPANIES in Nepal”.
Most videos on TH-cam are Either on Endowment or Whole Life Insurance which are too expensive & not worthy at all.
Great video 👍👍👍 health insurance KO barema yauta sampurna jankari video banaunu paryo dai my humble request ❤❤
Life insurance shouldnt be seen from investment perspective...life insurance is solely for covering risk ....choosing endowment policy or term insurance or any other plan over one another for more profit may be topic of discussion but insurance of whatsoever kind is vital for todays risky life !!
Exactly same thought, Insurance is not an investment
Life Insurance for all other non-earner family members is equally an important risk management tool. Your idea of only the head of household should carry the life insurance because he is the only breadwinner is a bad suggestion. What if one of the family members gets terminally sick on the verge of dying that otherwise is not covered under their health insurance, life insurance comes into play to cover the financial cost associated with dealing with such misfortune as well. Your point of coverage for loss of income is only one aspect but life insurance is much more than that. People should start reading their policies instead of listening to agents with closed ears.
I know why you don’t post videos very often. It’s because it really takes long time to create precise genuine & quality contents which can educate ppl on finance.
Your channel is kinda my library 😊😊
Before watching this video i said, i was waiting for long long time ago for these topics
You are first one the who make this kind of videos❤❤
Finally someone talks about it. Thank you.
thank you for this information, i was also having the same questions on my mind and waiting for the next video
ज्ञानु , तिमिले ठिक कुरा गर्यौ ।👍️
Brilliant topic and presentation hajur... was and always your fan... keep it up..god bless you
Thanks you so much, Gyanmandu team, Watching from Dubai UAE
Best Video of any Nepali youtuber regarding life insurance management. Thanks a lot. I was planning for an endowment plan and now after your video, I am shifting to term life insurance. I was thinking of doing SIP in both scenarios.
Analysis of MF returns in nepal
Yesma vdo banaunu na.
Kun chai bank le badi return deko raixa.
Nice vdo
Global ime , siddartha ra nmb ko thik cha mutual fund ra fund ko management.
A great informative video..thank you 🙏❤️
malai ta yesto khale term insurace huncha vane ne thahatheyena :). Thanks sir for spreading knowledge
Superb, this is what I was explaining from the day one to my friends n family.
Keep it up 👍
Kati important kura sikaunubho. Thank you so much 😊
Thank u brother ur रिसर्च इस going to work wonders.... definitely going to open eyes of many....
Such an important topic. This was much required awareness especially in Nepal. Thank you so much Sir for this❤❤
okay. waiting for part two...hoping details about term insurance and private health insurance. Thanks in advance.
A very good informative content and the presentation went smooth. Keep it up!
Thank you for the video...Your video is very informative,i have learned many things from you.But nowadays you are not making the video frequently like you used to make before
Sir, Please make video about Health Insurance in Nepal too.
Systematic Investment Planning ko barema kunai video banaunu vayeko xa? Xina vane banaidinus na for knowledge of general people who dont know about SIP.
Wow, hats off sir!
Very informative and harsh truth video.
Thank you so much for making people aware. Keep it up sir🙏
Plz plz
आगामी video स्वास्थ्य बीमाकाे बारेमा ❤
Thank u dai, your effort in making us aware will definitely reflect back in good way
To all viewers and investors here. There are more additional benefits to endowment plans. You just need to know how to use this. But if you are new and don't have any other purposes then going for the suggested route in this video is probably the best one.
whats the benefit ani kunai suggestions?
@@bibek_magar tax ko benefit hunxa aaru kahai hudina
@@sandipbasnet4189 tyo ta term ma ni hunxa ni sir
@@sandipbasnet4189term life policy le tax benefit hudaina? Just asking.
@@sandipbasnet4189 endowment plan bata loan lina pani sakinxa which can be crucial during emergency or opportunity dekheko belama grab garna sakinxa, tax return ra opportunity cost of gap ko comparison nai xaina video ma.....yestai sanosano benefits haru dherai xan. Yo benefits 1ta sadharan manxe ko lagi sano hunxa tara 1ta businessman ko lagi thulo huna pani sakxa. Most cases ma term life policy better hunxa. And if you dont know about endowment plans than ignore gareko nai best hunxa. The video doesnt talk about latest strategies and plans about insurance. May be the creator doesnt know much about it. But i am pretty sure he knows that but still present us the video like this because in around 90 percent of the cases you will be in loss by doing endowment plans. Overall this video is great for majority of Nepali audiences but incomplete or misleading for American audience or for professionals.
Good Video... Buy Term or Term with Return of Premium Plan for Life and Health Insurance...
Just wow wow! बुढी ले ल्याङ गर्दै थिन मैले मानेको थिईन, भिडियो हेरेपछि ढुक्क भयो😂
you should also make a video on health insurances in nepal..
next vdo khai sir??????? term ko barema vdo chaiyo please
herda herda kab video end vo thahi vayen keep it bro. Your video help us
Crystal Clear Sir 🙏 💐
Deep insight, i will wait for next video regarding other details
Yesto content sab ley herna jaruri chha
Dai yo ktm ma 1st copy shoes Ka milxa business ko lagi yesto video banaidinu paryo
What about the health insurance? Yesko bare nii video banayuna paryo.Aajkal life insurance Mai health insurance include vayerw aayunxa.
You didn’t mention the perks of endowment like critical health benefits. Isn’t a health security a requirement in this rising cost of living crisis?
Person should select plan according to their motive.
Hello sir,
I agree with ur explanation but
What ever u explained is suitable for a little educated person.
If the people is not much educated and if the person belongs from weaker section Endowment plan and whole time insurance is best for him.
Indeed investment garna na janni lai tei vayeni hunxa tara mmaybe FD samma ni garna sakxa na janni le
@@koopeigwer8072 Boss decision is made considering both positive and negative aspects. This is my opinion ,ur opinion may be differ .I gave situational comment .u need to understand .Dont take it in wrong way .I am myself aware regarding investment importance.
Actually,,, if nicely done,with rules and regulations,with pure heart and specfic intention,,,,
Life insurance can be the best thing,,,
I stay in japan,,,. And life insurance here is so developed,we nepalese can't even think😢
It is not scam.. Insurance garauda aafno manche agent bata garaunu. Jasle usko commission ko paisa tapai lai firta garos. Jastai maile garey. Prabhu ma insurance garey. Mero causin ko thru. And he returned me back the commission he got.
Thank you. 🙏🙏🙏🙏
That is illegal sir clearly stated by beema aain
Very informative video. Gonna share to others as well.
Waiting for the life insurance company video ...and also please suggest best health insurance in Nepal as well
Health insurance ko Bare ma Pani video banaunus na sir
Thank You Very Much !
Ma aba bholi nai Term Life Insurance garchhu. Which Insurance company is better for Term Life Policy in our country?
Also need video for health insurance.
please make a video on company having term plan in nepal and its coverage and time
Really nice video. Was already thinking of doing term life insurance. Eagerly waiting for your next part.
What can be done, if one has already started the Endowment plan?
Great content.Please make video on Health Insurance also.
It's a really informative video.we are expecting more knowledgeable videos.go ahead keep up sir👍
म पनि एकदमै सहमत छु याे विषयमा, कस्ताे संयाेग मेराे धारणा संग ठ्याक्कै मेल खायाे ।
Man I really don’t know about it
I was supposed to do insurance last year however I didn’t. Thank you for valuable information.
@GYANmandu never disappoints us 😊🙏
Thank you so much for this. It's an eye-opener for me.
I am waiting 2nd part ........... and good job sir
Can you also make a video about home insurance and commercial property insurance in Nepal
Thank you very much for eye opening information.
Nepal ma term life insurance garnu lai best insurance company or government ko insurance xa ki nai yesko bare ma pani detail video banaunu paryo
ma yai kura bujauda bujaudai thaki sakey. hope yo video le help garxa
The main point is at 12:12, as you are searching for.
You can take a loan against your endowment life policy and invest it wisely as well. This don't get talked about often.
Yes and there is so many other benefits, he just spreading old theory which many TH-camr or so called motivational speaker or gyanchhod das 😅 saying just to have views but its not true practically .. endowment plan is best plan than any plan.
video ma clearly vaneko xa ta, endowment ko satta ma sip ra personal insurance garnu dherai ramro. sip ma paisa hunxa bhane loan ko jaruri nai parena ni.
Haha,,you guys are agent 🤣🤣
@@shushilshrestha6766 SIP ko paisa bata loan lina milcha??
@@surendrabudhathoki1526 sip ko paisa nikalne, yadi paisa awashyak paryo bhane
sir most lai thaxa life insurance ko barema.
we are confused in health insurance mero ximeki kaka lai 3 din norvic hospital ma rakhda ded 2 lakh ko bill ayo re..
plz can you make one video on health insurance
monetary policies bare ma video banaununa
Yo sip ko calculation bujiyena sir. And term insurance Garda return kei aaudaina vanne tha Huda hudai kasle lagani garx?? Jun lagani gareko bapat aafulai return xaina tyo lagani hamlai ghata ra insurance Lai faida hune honi hoina ra??
Sir mailey LIC life insurance limited ma yearly Rs 153,800 Wala insurance gareko xu 15 year ko
Excellent video. Thansk for the information ❤. Can we have another video on Health Insurance??
Health insurance ma Pani video banaununa
Can your calculation be on an example if a person buys an endowment policy or term life policy and then dies in 1 year time then what would be the IRR, explain which policy would be more fruitful? How much would be a Term life insurance return amount for a short time frame within 5 years if death occurs? Hope to receive your responses.
next video chhito aaunu paaryo, waiting 🌻
Thank you for giving the financial knowledge. Keep it up
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