Starting to Invest
लगानी सुरु गर्ने
Context: A person visits a financial planner to learn about investing.
Planner
You mentioned you'd like to start investing. How much do you have to start with?
ग्राहक
मसँग दश हजार डलर बचत छ। कहाँ लगानी गर्ने?
Planner
There are several options — shares, managed funds, ETFs, or term deposits. Your choice depends on your risk tolerance and time horizon.
ग्राहक
ETF भनेको के हो?
Planner
An Exchange-Traded Fund holds a basket of different shares. It spreads your risk and is a good option for beginners. You can buy them through platforms like CommSec.
ग्राहक
लगानीमा जोखिम कत्तिको छ?
Planner
All investments carry some risk. Generally, higher potential returns come with higher risk. Diversification — spreading your money — helps reduce risk.
ग्राहक
लगानीबाट भएको कमाइमा कर तिर्नुपर्छ?
Planner
Yes, capital gains and dividends are taxable income. But if you hold investments for over twelve months, you get a fifty percent capital gains discount.
Segment count: 9 — Practice interpreting each segment before reading the next