Financial Literacy Hub

A share market is where shares of publicly listed companies are bought and sold. When you buy a share, you're buying a small ownership part of a company.

Key Points to Remember: • A share represents ownership in a company • Share prices can go up or down based on company performance and market conditions • You can earn through share price appreciation and dividends • Always research before investing • Start with blue-chip companies if you're new to investing

Risk Management: • Never invest all your money in one company • Keep emergency funds separate from investment funds • Research thoroughly before investing

Mutual funds pool money from many investors to invest in stocks, bonds, and other securities. They're perfect for beginners because they're professionally managed.

Benefits of Mutual Funds: • Professional management • Diversification • Lower risk compared to direct stock investment • Convenient and affordable • Regular NAV updates

Types of Mutual Funds in Nepal: • Growth Funds • Income Funds • Balanced Funds • Index Funds

How to Start: 1. Choose a fund type based on your goal 2. Research fund managers 3. Check past performance 4. Start with monthly systematic investment plans (SIP)

Creating a personal budget is your first step toward financial freedom. It helps you track income, expenses, and savings.

50-30-20 Rule: • 50% for needs (rent, food, utilities) • 30% for wants (entertainment, shopping) • 20% for savings and investments

Steps to Create a Budget: 1. Track your monthly income 2. List all expenses 3. Categorize expenses 4. Set savings goals 5. Review and adjust monthly

Tips for Success: • Use budgeting apps • Keep emergency funds • Review expenses regularly • Set realistic goals