What no one tells you about making money in the NEPSE

The buzz around the Nepal Stock Exchange (NEPSE) has never been louder. Young investors, inspired by stories from the 2077/78 bull market, are rushing into trading with dreams of overnight riches. From viral TikTok strategies to Telegram “gurus,” it feels like everyone’s betting on stocks to change their lives.

But here’s what most aren’t telling you — trading is not your golden ticket to instant wealth.

Trading is a Skill, Not a Shortcut
Many believe trading is a way out of financial struggle. In truth, it’s a high-pressure profession, demanding deep knowledge, practice, and emotional control — just like being a surgeon or an engineer.

Case in Point: A Butwal student turned Rs. 50,000 into Rs. 3 lakh during the 2077 rally. Excited by his success, he invested it all into a single “hot” stock. Within months, 70% of his capital vanished. He didn’t fail by chance — he failed due to poor risk management and no strategy.

Takeaway: One lucky trade won’t make you rich — but one bad decision can break you.

The Myth of Turning Rs. 10,000 Into 1 Crore
Let’s address the most common fantasy:
“I have Rs. 10,000. Can I turn it into 1 crore?”

Even with a miraculous 1000% return (which is almost unheard of), that’s only Rs. 1,00,000.
To reach 1 crore, you’d need to repeat that miracle multiple times — consistently, and without losing.

Reality Check:
Most top global traders aim for just 15%–30% annual return. In Nepal, 50%–100% yearly return is rare and requires skill, planning, and time.

Why Your 20s Shouldn’t Be Spent Chasing Trades
When you’re young, it’s tempting to jump into trading to “get ahead.” But your 20s are for learning, experimenting, and building your foundation — not risking it all.

If you don’t yet understand how money works, rushing into trading can leave you frustrated, broke, or worse — burned out.

Your time is better spent on:

• Learning practical skills
• Exploring different income streams
• Networking and gaining work experience
• Building healthy financial habits

The Dangerous All-In Bet: Don’t Let One Trade Ruin Your Life

The riskiest move? Betting everything on one “sure-shot” stock.

A trader once shared how he put his Rs. 2.5 lakh wedding fund into a single stock, chasing a quick double. It dropped 60%. He lost more than money — he lost peace of mind.

That’s not trading. It’s gambling.

Only trade if:

• You can afford to lose some money
• You’re not financially responsible for others
• You’re treating it as a learning journey, not a lottery

Trade Smart, Not Fast
The NEPSE market rewards preparation, not blind bets. Your 20s should be about growth, not quick gains. Trading, if done right, can be powerful — but only with discipline and long-term strategy.

Start by:

• Learning personal finance
• Building an emergency fund
• Avoiding “hot tips”
• Practicing with small amounts
• Thinking years ahead, not days

The Real Secret to Wealth?
Patience, discipline, and constant learning. Not one big trade.