TOO MANY PEOPLE IN OUR COUNTRY WAIT TOO LONG TO INVEST IN SHARES.WHEN THEY CROSS THE AGE OF 50 OR WHEN THEY RETIRE.THIS HAS BEEN A TENDENCY IN NEPAL.WHY TO WAIT AT SUCH AN OLD AGE TO BECOME RICH.WHEN YOU GROW OLDER THE RISK TAKING CAPACITY DECREASRS AS COMPARED TO YOUNG AGE KEEPING THAT IN MIND .WE SHOULD INVEST IN YOUNG AGE .MOST OF THED PEOPLE IN OUR COUNTRY DOES NOT KNOW ABOUT STOCK MARKET.ONLY 56 LAKH INVESTORS ARE INVOLVED IS TILL DATE.THE CURRENT POPULATION OF NEPAL IS 30667486 WHICH MEANS 18.26% WHICH IS VERY LOW COMPARED TO OTHER COUNTYRIES.DEVELOPMENT IS A PROCESS OF A COUNTRY.TO DEVLOP A COUNTRY THERE MUST BE STRONG FOUNDATION OF CAPITAL MARKET.COLLECTION OF SMALL FUNDS AND REQUIREMENT OF CAPITAL IS CRUCIALANY COUNTRY.STOCK MARKET IS A MIRROR IMAGE OF HOW COUNTRY IS ECONOMICALLY.IT DEFINES THE COUNTRIES ECONOMY.TO PROSPOR FOR A COUNTRY THE STOCK MARKET SHOULD BE STABLE.AS WE KNOW POLITICALLY THE COUNTRIES STABILITY IS CRUCIAL.SO THERE IS A FINE LINE BETWEEN SUCCESS AND DEFEAT IN TERMS OF ECONOMY IN A COUNTRY.SO,WHY LATE?START, INVESTING IN SHARES,BOND ,DEBENTURES AND MORTGAGE.