SIP in Nepal's open-ended funds

Putting a fixed amount into a mutual fund every month — like a savings scheme, except the money is invested in the market instead of sitting at a fixed interest rate.

Only what you know: how much you can spare each month, and for how many years. Start with an amount you would not miss — even रू 1,000 a month shows you how it works. You can change it as often as you like; the answer updates as you type.

If you are guessing, 8–12% is the range most people use for Nepali equity funds over a long period. Rather than guess, switch to "Use a real fund" — that uses the dividends each fund has actually paid, taken from ShareSansar, instead of a number you picked.

It is what your money could be worth at the end, if the return you chose actually happened every year. The pills underneath split it into the part you paid in and the part that is profit.

No — and no calculator can tell you that. Mutual funds have no fixed rate of return. Real years are uneven: some good, some negative. This shows what steady growth would look like, which is useful for planning and not a promise. Read the fund’s prospectus before investing.

When a fund pays a dividend you can take it as cash, or use it to buy more units. Buying more units means the next dividend is calculated on a larger holding — that is what makes the line curve upward instead of running straight.