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.
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.
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
❤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 🙏🙏🙏
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.
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.
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 😊😊
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 😞😞😞😞
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 UA-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.
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 ..
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. 🙏🙏🙏🙏
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.
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.
People who doesn't have kids or financially dependents on him and he has done any life insurance then he got scammed 😂😂 I knew that SIP is way better than Insu ..and investing in share market with the basic skillof fundamental analysis of companies is way better than SIP . ALL CREDITS GOES TO GYANMANDU . THANKS A LOT SIR ❤❤❤❤ jai krishna 🇳🇵
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!
Nice informative eye opening video. Sir, I have one question if if I had already done endowment policy since 3 years and my locking period is 15 years which is basically have to pay 27k yearly. What do I have to do in that case Should I continue or is there any process to cancel that policy. I have realized it's better to go in stocks; Please feel free to reply:) ❤
Just continue your policy if you go to cancel you will only 70% of the money. Insurance has its own purpose and stocks has its own purpose. Is there something written in the sky that whatever you invest is stocks go tripled, many people who have bought stock have less value than the day he borrowed.
@@deepkr7510 That's true I agree with you my mom had done my insurance and at that time I didn't know about the insurance. And the insurance agent showed very lucrative offer that it will double it's return after a certain period of time.
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....
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😢
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.
Maile pani 50lakh ko insurance garako chu . Every year maile 4.5 lakh tirchu . 15yrs ko lagi ho.. Yesko barema pani ali kati batai dinu paryo.yo deal nafa ko hoki dhata ko ho vanera.😅😂
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.
Nice... 🎉🎉 I am paying 33000. no i am going to pay 13000 for term life upto 30 years and 20000 for SIP. which will be equal to Return of endowment plan
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.
Yes and there is so many other benefits, he just spreading old theory which many UA-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.
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??
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 😊🙏
Rs 32,191 when invested annually for 25 years @ 12% annual return, the value becomes Rs 42,92,150.61 and not Rs. 48 lacs. Do your calculation correctly. In this case, your decision would be different. Yes, some points you raised can be given a serious thought but all your sayings cannot be followed blindly
best explaination. Bt what will happen if insurer is not more before the term period? should family have to pay? or will it get deducted? 🤔 lets say 25 yr insurance, and he/she can't pay after 10 yr bcz of natural cause. What will happen to 15 yr yearly payment of insurer? will family have to continue paying?
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 !!
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.
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
please read this. back 4/5 years ago a loan department manager made me sign the insurance papers of 35k/year. i was applying for australia that time and i was unaware of such things as i havent in banks before. usally i used to go with my father and one day i visited alone and the manager made me sign the papers. after that, the investment from account got transfered to the insurance without informing me. my father got notification and then we got to know what happened. the insurance company use to phone me for the insurance installment of every year inspite, i told them im not gonna pay next installments. siddartha bank made me loss of 35k for some insurance commisions.
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
Systematic Investment Planning ko barema kunai video banaunu vayeko xa? Xina vane banaidinus na for knowledge of general people who dont know about SIP.
I was forced to put life insurance in LIC and I put 170,000 as first and second was late, and I said I want to take it out, and they didn't let me, don't regret doing life Insurance, Please leave it now and I vest in FDR
same happen here my mother didnt take education and some shit neighbours told her to sign lic of me without telling to me i dont even have job yearly wise i have to pay 70000 its been 3 years once we asked the money to return they didnt let the money return 😑😑😑
Life insurrece is a scam vanera maile 3 barsa pahila bata harek inssurrence ko official videosma hisab gari gari dekhayeko xu. Tara katile cmt metaudo rahexa.
hindi ma bhanai cha "der aaye par durust aaye" .. This fits you Sir .. Thanks for your hard work ... I have been many times influenced by agent for endowment policies but was never convinced as their rate of return is no more than 6% and when i say this to them they have no answer and simply try to divert the topic saying you have good info of stock market so you don't have a positive words for us.. But they just could not answer by question on rate of return on their policies .. Term insurance is always the better of other options ..
Sir तपाईकाे यो भिडियो राम्रो त छ तर पूर्ण सत्य भने छैन। तपाइले sip र mutual fund भनेका risk market हुन भन्ने जानकारी दिनुभएको देखिएन। तपाइले term insurance को विस्तृत अधययन गरेर यो भिडियो बनाएको छु भने पनि धेरै कमी देखियो । Endowment insurance पूरा जानकारी नदिएको जस्तो पनि लाग्यो।
Yes , maile khas SIP example ko Lagi deko thiye , investment j ma Garda Pani hunxa share market wa FD nai Garda Pani , tapaile Endowment ko 6% Vanda badi ko IRR SIP mai invest Garda Pani majale paunu hunxa vanera.
सर, म हाल २४ वर्षको भए, मैले अहिले सम्म sip start गरेको छैन । अब सुरु गर्दा initital investment २ लाख को सहित monthly १०k को गर्न चाहन्छु। यसरी initial इन्भेष्टमेन्ट सहित गर्दा मैले sip २२ वर्षको हुँदा start गरेको जस्तो हुन सक्छ कि सक्दैन। ( यदि २ वर्षको return पनि थप हुने गरी लगानी गर्दा) । मैले sip २० वर्ष को हुँदा start गरेको जस्तो बनाउन चाहन्छु, hjr को केही suggestion छ भने दिनुहोस न please।
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
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.
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
This is what I have been looking for several years. Appreciated❤. Now let us know about best companies providing term life policy. Thank you!
❤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
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.
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.
Your videos are amazing brother. This is important for financial literacy in Nepal. Waiting for 2nd part. Keep up the good work!
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 😊😊
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
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 UA-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 !!
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.
Keep making these types of videos. It is useful for all individuals. Clear and useful concept
Not the knowledge i deserved, but the knowledge i needed. This will really come handy for me someday, thanks alot
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 ..
This is the best video about insurance on Nepal. Hope to see more videos.
Thank you so much brother for such informative video that's why I have started my SIP just 2 days before ☺️🙏
Most awaited or expected type of video is finally out here! Many thanks bro for making us aware on insurance scams! ❤❤❤
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
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.
Brilliant topic and presentation hajur... was and always your fan... keep it up..god bless you
Kaha thiyeu timi gyanmandu. maile Endowment policy liyepasi ayeu.
Derai derai thanks its a historic video
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?
After long time valuable informative videos ko lagi dherai dherai dhannebadh 👏🙏🏻
What a video
Every nepali must adopt too
Love your work bro
Superb, this is what I was explaining from the day one to my friends n family.
Keep it up 👍
Finally so nicely explained about insurance..
Such an important topic. This was much required awareness especially in Nepal. Thank you so much Sir for this❤❤
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.
People who doesn't have kids or financially dependents on him and he has done any life insurance then he got scammed 😂😂
I knew that SIP is way better than Insu ..and investing in share market with the basic skillof fundamental analysis of companies is way better than SIP . ALL CREDITS GOES TO GYANMANDU . THANKS A LOT SIR ❤❤❤❤
jai krishna 🇳🇵
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!
Nice informative eye opening video. Sir, I have one question if if I had already done endowment policy since 3 years and my locking period is 15 years which is basically have to pay 27k yearly. What do I have to do in that case Should I continue or is there any process to cancel that policy. I have realized it's better to go in stocks; Please feel free to reply:) ❤
Just continue your policy if you go to cancel you will only 70% of the money. Insurance has its own purpose and stocks has its own purpose. Is there something written in the sky that whatever you invest is stocks go tripled, many people who have bought stock have less value than the day he borrowed.
@@deepkr7510 That's true I agree with you my mom had done my insurance and at that time I didn't know about the insurance. And the insurance agent showed very lucrative offer that it will double it's return after a certain period of time.
@@zenyoga8659 it might be doubled but purpose of insurence is to cover risk in future ,
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....
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😢
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.
Wow, hats off sir!
Very informative and harsh truth video.
Thank you so much for making people aware. Keep it up sir🙏
Great video 👍👍👍 health insurance KO barema yauta sampurna jankari video banaunu paryo dai my humble request ❤❤
Thank You Very Much !
Ma aba bholi nai Term Life Insurance garchhu. Which Insurance company is better for Term Life Policy in our country?
Thanks you so much, Gyanmandu team, Watching from Dubai UAE
A very good informative content and the presentation went smooth. Keep it up!
okay. waiting for part two...hoping details about term insurance and private health insurance. Thanks in advance.
Maile pani 50lakh ko insurance garako chu . Every year maile 4.5 lakh tirchu . 15yrs ko lagi ho.. Yesko barema pani ali kati batai dinu paryo.yo deal nafa ko hoki dhata ko ho vanera.😅😂
Before watching this video i said, i was waiting for long long time ago for these topics
Finally someone talks about it. Thank you.
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.
Nice... 🎉🎉 I am paying 33000. no i am going to pay 13000 for term life upto 30 years and 20000 for SIP. which will be equal to Return of endowment plan
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.
Sir yo insurance agent ko barema detail ma video banaidinu na ❤
You are first one the who make this kind of videos❤❤
Downfall of life insurance begins here🤣🤣
or perhaps the real "Rise of life insurance" ?
😂😂😂
Opening date mai market circuit hanyo 😂
Rise of true life insurance
Abba stock price ghatcha
Kati important kura sikaunubho. Thank you so much 😊
A great informative video..thank you 🙏❤️
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 UA-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
thank you for this information, i was also having the same questions on my mind and waiting for the next video
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??
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 😊🙏
What can be done, if one has already started the Endowment plan?
आम्दानी मात्रै हेर्ने भए Meter ब्याज मा पैसा लगानी गर्न
Sip,र fd को कुरा गरेर उल्लू बनाउने
Crystal Clear Sir 🙏 💐
Rs 32,191 when invested annually for 25 years @ 12% annual return, the value becomes Rs 42,92,150.61 and not Rs. 48 lacs. Do your calculation correctly. In this case, your decision would be different. Yes, some points you raised can be given a serious thought but all your sayings cannot be followed blindly
Sir, Please make video about Health Insurance in Nepal too.
Sir mailey LIC life insurance limited ma yearly Rs 153,800 Wala insurance gareko xu 15 year ko
It's a really informative video.we are expecting more knowledgeable videos.go ahead keep up sir👍
best explaination. Bt what will happen if insurer is not more before the term period? should family have to pay? or will it get deducted? 🤔 lets say 25 yr insurance, and he/she can't pay after 10 yr bcz of natural cause. What will happen to 15 yr yearly payment of insurer? will family have to continue paying?
the insurer can quit and claim the paid money back... the insurer get the surrender amount.
Thank u brother ur रिसर्च इस going to work wonders.... definitely going to open eyes of many....
Daami information.. kasto sahi time ma paayechhu yo information ❤️
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
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.
Deep insight, i will wait for next video regarding other details
malai ta yesto khale term insurace huncha vane ne thahatheyena :). Thanks sir for spreading knowledge
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
Really nice video. Was already thinking of doing term life insurance. Eagerly waiting for your next part.
please read this.
back 4/5 years ago a loan department manager made me sign the insurance papers of 35k/year. i was applying for australia that time and i was unaware of such things as i havent in banks before.
usally i used to go with my father and one day i visited alone and the manager made me sign the papers. after that, the investment from account got transfered to the insurance without informing me. my father got notification and then we got to know what happened.
the insurance company use to phone me for the insurance installment of every year inspite, i told them im not gonna pay next installments.
siddartha bank made me loss of 35k for some insurance commisions.
Can we change existing Endowment plan to term life insurance ?
I love your insurance video Sir. Its very informative. Please keep them coming ❤
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
Systematic Investment Planning ko barema kunai video banaunu vayeko xa? Xina vane banaidinus na for knowledge of general people who dont know about SIP.
you should also make a video on health insurances in nepal..
I was forced to put life insurance in LIC and I put 170,000 as first and second was late, and I said I want to take it out, and they didn't let me, don't regret doing life Insurance, Please leave it now and I vest in FDR
same happen here my mother didnt take education and some shit neighbours told her to sign lic of me without telling to me i dont even have job yearly wise i have to pay 70000 its been 3 years once we asked the money to return they didnt let the money return 😑😑😑
This video too good...keep spreading awareness
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.
Waiting for the life insurance company video ...and also please suggest best health insurance in Nepal as well
45 lakhs ko insurance 25 barsa ko laagi garda , ek barsa ko 1.8 lakh huncha.Tapai le ek barsa ko Rs. 17,809 huncha vannu vayo.
Different Insurance plan ko Kura xa ni ta
Excellent video. Thansk for the information ❤. Can we have another video on Health Insurance??
Life insurrece is a scam vanera maile 3 barsa pahila bata harek inssurrence ko official videosma hisab gari gari dekhayeko xu. Tara katile cmt metaudo rahexa.
Yesto content sab ley herna jaruri chha
herda herda kab video end vo thahi vayen keep it bro. Your video help us
hindi ma bhanai cha "der aaye par durust aaye" .. This fits you Sir .. Thanks for your hard work ... I have been many times influenced by agent for endowment policies but was never convinced as their rate of return is no more than 6% and when i say this to them they have no answer and simply try to divert the topic saying you have good info of stock market so you don't have a positive words for us.. But they just could not answer by question on rate of return on their policies .. Term insurance is always the better of other options ..
What about the health insurance? Yesko bare nii video banayuna paryo.Aajkal life insurance Mai health insurance include vayerw aayunxa.
Very informative video. Gonna share to others as well.
Great content.Please make video on Health Insurance also.
Sir तपाईकाे यो भिडियो राम्रो त छ तर पूर्ण सत्य भने छैन। तपाइले sip र mutual fund भनेका risk market हुन भन्ने जानकारी दिनुभएको देखिएन। तपाइले term insurance को विस्तृत अधययन गरेर यो भिडियो बनाएको छु भने पनि धेरै कमी देखियो । Endowment insurance पूरा जानकारी नदिएको जस्तो पनि लाग्यो।
Yes , maile khas SIP example ko Lagi deko thiye , investment j ma Garda Pani hunxa share market wa FD nai Garda Pani , tapaile Endowment ko 6% Vanda badi ko IRR SIP mai invest Garda Pani majale paunu hunxa vanera.
Very Good Information. Thank You 😊❤
Can you also make a video about home insurance and commercial property insurance in Nepal
maile pani annual money back plan liyako xu ani 4 kista vae sako, yeslai surrender garnu chahanxu kati % aaux hola 10lakh insurance amount ko.
As always informative video 😊, waiting 2nd part ✌️
सर, म हाल २४ वर्षको भए, मैले अहिले सम्म sip start गरेको छैन । अब सुरु गर्दा initital investment २ लाख को सहित monthly १०k को गर्न चाहन्छु। यसरी initial इन्भेष्टमेन्ट सहित गर्दा मैले sip २२ वर्षको हुँदा start गरेको जस्तो हुन सक्छ कि सक्दैन। ( यदि २ वर्षको return पनि थप हुने गरी लगानी गर्दा) । मैले sip २० वर्ष को हुँदा start गरेको जस्तो बनाउन चाहन्छु, hjr को केही suggestion छ भने दिनुहोस न please।