How can person Mary Jane invest 5 lakh taka in BD?

Investment via Shanchaypatra-a savings certificate scheme by Bangladeshi government.Excellent choice

as opposed to holding stocks as stock prices are plunging around the world due to covid and business
climate is not positive and expectations are not optimistic. Being female she can invest in Poribar
shanchaypatra which is only reserved for females over the age of 18, physically challenged people and
people over the age of 65. The min amt needed for a 3 month profit bearing shanchaypatra is 1 lakh
and if holds a five year poribar shanchaypatra , get 9.5% interest in 1 st year, 10% 2nd yr, 10.5% 3rd year,

11% in 4th year and 11.52% in 5th year with monthly payment.

Shanchaypatra sales can help government finance its budget deficiencies.

https://www.thedailystar.net/next-step/news/noobs-guide-investing-sanchayapatra-2125681

Govt has recently started trading of treasury bonds in the secondary market after 16 year hiatus
and all classes of investors can invest in these in Chittagong Stock Exchange. This will make
portfolios risk free for investors with a fixed income instrument, allowing people to invest in
fixed income sector. It will allow both individual and institutional investors to buy risk-free
investment instruments from the bourses without any hassle, he added. 

Speaking with stock traders, Dhaka Tribune learnt that many individual investors wish to invest
in treasury bonds over both banking deposit products and equities in the stock market due to their
low-risk appetite. 

Thanks to the added liquidity in the secondary bond market, the government can now issue
bonds at a more competitive yield, said an equity research analyst of a stock brokerage
company. 

https://www.dhakatribune.com/business/stock/2021/10/16/dse-begins-treasury-bonds-trading-after-
16-years

In addition she can invest in Dhaka Stock exchange by buying shares of companies. Good performing
bourses are Beximco and Delta Life Insurance. The blue-chip index includes 30 companies such as
Grameenphone, Square Pharmaceuticals, British American Tobacco Company, BSRM, Brac Bank, and
Eastern Bank Ltd.She can go for blue chip stocks which are stocks of companies with good reputation for
quality, reliability and profitability. She can earn money in two ways-by capital gains(selling a stock for a
higher price than the price she bought it) and by dividends(profit company makes in a year). Of course,
stock investment is riskier than shanchaypatra where you are guaranteed a return. In addition, there
was major manipulation of insider big players leading to collapse of Dhaka Stock exchange only years
ago. But the Bangladesh Bank has taken measures to improve the stock market and so one way to
reduce risk would be to diversify by investing in diversified portfolio of stocks.

https://www.thedailystar.net/next-step/news/noobs-guide-investing-stocks-bangladesh-2108789

https://www.thedailystar.net/business/economy/stock/news/blue-chip-index-brings-the-rear-2130506
But one problem with blue chip stocks is that despite high quality, investors’ behavior in Dhaka Stock
Exchange make them unattractive and lead to their lacklustre performance. Investors are driven by
rumors and make short term investment, wanting a fast movement of stock and wanting the stock to
jump up to make some quick money, So blue chip stocks are undervalued as people love speculative
stocks here.But blue chip stocks are less volatile, respond much slower to market and are safer-so a
really good option for a risk averse person like Mary Jane.

https://www.thedailystar.net/business/economy/stock/news/blue-chip-index-brings-the-rear-2130506

Another way to invest would be to engage in property speculation or in buying partments at a low price
and wait for the price to rise only to sell it later. In areas such as Kazipara for example, she can buy an
apartment for her money, hold on to it and sell it later at a higher price. In addition, she can also buy
residential plot outside the city such as in Ashulia, Savar for as low as 3,50,000 taka or inside Dhaka in
Bangshal, Dhaka for example. Infact, she might only need to make a down payment of 1.05 lakh taka for
example initually and have a long loan period of say 25 years or so and pay 11% interest per annum. She
can sell it waiting for land price to rise in future or she can wait for an apartment developer with whom
she can take a share of apartments and get a larger amount of money. Since land prices are rising and
with real estate developers shifting outside of Dhaka to suburbs and other areas, buying land in Cox’s
Bazaar for example can prove to be lucrative as its tourism value can also lower priced land to inflate in
future.

https://www.thedailystar.net/supplements/25th-anniversary-special-part-2/real-estate-development-
210862

She can also invest in the agricultural sector. With her money, she can buy cows, goats and start a small-
scale dairy farm using their produce to start an ecommerce. As for example, Goala is a successful
ecommerce that supplies fresh dairy products to city dwellers from an individually managed farm. Since
the market for fresh produce can be profitable,especially high-quality dairy products, she can use her
profits to scale up and expand. https://gowalafoods.com/about-us/

She can also act as supplier to sweetmeat shops. Facebook and other social media such as agricultural
pages can be a great way for her to showcase her product and drive traffic to her page.

And it can lead to a profitable entry to meat and dairy industry.

Or she could buy a printer, and start a small scale ecommerce printing books or other miscellaneous
items. Another way would be to start a Youtube channel utilizing any special talents she has such as
cooking, singing, etc. making money through viewership and ads with only investment being
professional lighting, camerawork, etc. Successful cooking Youtube channels or Facebook channels such
as Cooking Studio by Umme has led Youtube channel stars to make a regular income.

Here is how to invest in a Youtube channel to make it grow.

Buying Subs and views is a complete waste of money. Since you have a budget for marketing, I
recommend you first build up a nice library of videos that provide value. They should look like
you put effort into them. Then I recommend doing some advertising.

YouTube Ads

Spend a few bucks promoting your videos on YouTube directly. This is a good way to get some
views on your videos and potentially subscribers.

Just make sure to spend your money wisely by having a niche defined and making sure your
videos are providing value to that niche.

Facebook Ads

Facebook has some good tools that enable you to narrowly focus your ads to those who are most
likely to respond to your ad. Spend some money on facebook and you will do well.

Twitter Ads

Twitter is still awesome. Advertise there and you can gain the attention of large segments of your
niche.

Google Ads

This is specifically for google search. Advertising here will get you in front of large audiences.

Instagram Ads

Instagram is where a lot of people go to on a daily basis and that trend isn’t going to end anytime
soon. Advertise on Instagram and you will drive traffic to your videos.

Your Website

You do have a website right? You Should. This will give you another opportunity to reach a
large group of people and to enhance your brand. Embed your videos with some long form
content on your site. Place an email signup form so you can build your email list. This is
extremely important.

Being able to effectively use Pinterest marketing and Twitter can drive high quality traffic to videos, 10%
of monthly revenue can be used for advertising on Youtube,