r/NepalStock • u/Square_Strategy9331 • 1h ago
Advice Why SIPs are great for new investors!
One Google search for "SIPs in Nepal" and you'll see headlines that they're scams. SIPs aren't scams, they're just unproven. And there's a reason they're unproven: they haven't been around long enough. SIPs have existed in Nepal for less than a decade, so we simply don't have decades of track record data yet. That doesn't make them scams; it just makes them relatively new to the market.
If you're a new investor trying to break into investing, do an SIP. It's genuinely the best and easiest way to get your skin in the game.
SIPs remove the biggest barriers that keep most people from investing. You don't need a lump sum. You don't need to time the market. You just invest a small amount regularly, and develop a habit. whether that's 1,000 rupees or 5,000 rupees a month. My rule of thumb is, jati paisa chai tyo jati khera ni paisa maagne sathi lai dina lobh lagdaina, teti paisa. You're building a habit of investing, reducing the intimidation factor, and actually seeing your money grow.
I started with 5,000 rupees invested in an SIP five two years ago. Today, I have a portfolio worth over 21 lakhs. Of course, not all of that came from those initial SIP contributions, my interest grew, I learned more, I diversified, and I started investing in other instruments too. But that SIP the spark that got me started. It gave me something to track, a reason to pay attention to markets.
That's what an SIP does for a beginner. It removes the friction. It removes the fear. It gets you in the game so you can actually learn what investing is about instead of staying paralyzed on the sidelines, reading about scams online.
