Which SIP to choose ? SIP कुन मा गर्ने ? Mutual Fund SIP head to head Comparision in Nepal.

[@prksvlogs5510]

सधै नयाँ नयाँ कुरा सिकाउने हजुर लाई मन देखी सम्मान ❤

[@Youthnepal_18]

सन्जोग सर नमस्ते। हजुरलाई धेरै अनि मुरी मुरी धन्यवाद, धेरै राम्रा धेरै फाईदाको कुरा बताउनु भयो। तर SIP मा खतराको घण्टी वा बेफाइदा, कुनै बेला क्रेस भएको घटना परिघटना पनि हुन सक्ला नि हैन्। संसारमा के त्यस्ता घटनाहरू भएको छन्। कृपाय

[@sabitatamang6095]

Good question

[@amritkumarbhujel3532]

Oh sir यो भिडियो त पहिले नै आउनु पर्ने थियो अब त sip गरिसक्यो Boor होला जस्तो छ 🙏🙏🙏💯👍🥰 Anyway salute to you sir for Your all educational content videos

[@minayer6334]

कसरी गर्ने होला सर मैले नी गर्ने भनेको

[@jhalakmalla423]

३ लाख सब्स्क्राइबरस यसै भाको हैन रैछ। लास्टै दामी भिडियो। सब्बै कुरा नक्चुटाइकन बनाइएको छ भिडियो ।। अलिकती त्यो equity , debt hybrade wala lai explain garera banaunu na ani nav ra aum also

[@natureisbeautyfull]

You are great sir tapai ko first vedio herer nibl ma lagani gareko ahile eak barsh vaisake thank you sir

[@makshahangrai8174]

VAT ko knowledge paye ramro huney thiyo Sanjok Koirala sir . And VAT bill too

[@abishektamang2635]

ज्ञानवर्दक भिडीयोको लागि धेरै धेरै धन्यवाद दाई।

[@dytochhetri7211]

By far the best knowledge regarding open Mutual fund👏

[@krishnajaishi7671]

sir maile pani Nibl Sahavagita fund ma 1 year agadi dekhi SIP gariraheko xu, maile 1 year agadi hajurko Vedio herera nai Nibl sagavagita fund select gareko hu, thank you sir. ramro inform dinu vayeko ma heartly thank you sir.

[@kirantharu3355]

यसरी नै बेला बेलामा SIP को बारेमा भिडियो हाली राख्नु हुनेछ भन्ने आशा राख्दछु । Now I will start another SIP 🎉🎉 हृदय देखि धन्यवाद 🙏🙏 ।

[@lekghlan1492]

Sida rupma herda NIBL ramro dekhe pani NMB le equity ma 65%ani debt ma 21% investment gareko base ma chai malai NMB best lagyo

[@aadityakushwaha400]

Overall good but nmb le divided badeko naiii xainaa .....

[@anupnepali2965]

Sir , hajur ko big fan , maile. Sip gareko 10 month vayo , nibl sagabhagita fund maa gareko , jun bela 4 ota matra thyo open ended fund , thank u sir hajur ko video herera. Sip ko barya thaha payeko , thank u sir

[@rajivdev9169]

Very Informative.. Plz, keep uploading videos of SIP/Mutual Fund & so on..

[@Jeevanrai826]

कति मजाले बुझाउनु भयो धेरै धेरै धन्यवाद /

[@harunisameer8237]

Hajur ko years back Wala sip video herera month ko 3000 ko sip garira cu Sip is a strict saving+ investment + discipline .. Monthly tea coffee junks foods ma around 4-5k waste hunthyo salary Bata ..tyo control garera sip ma halda hunca sabai Jana le Aile fruit na aaula afno cora cori ko pala ma maile thik garecu vanne lagca ...... Thank u sir

[@surakshya3635]

Malai yes bare ramro snga bujaidenu na

[@surakshya3635]

I m interested but I haven't any Knowledge about all of it....

[@harunisameer8237]

@@surakshya3635 bujnu pardaina hajur ...online register garnus ...2000 maina ma halnus ....25 barsa samma strictly halnus 2-3 crode hunca hanue ko 10 lakh investment ...but xodnu chai vayena

[@bhupendra_ayer]

​​@@harunisameer8237kun bank ma garda thik hunxa hola?

[@Sushantasinchuri]

Yo video herda ra analysis gareko herda nibl best lagyo. Abo SIP GARNA start garchhu

[@binoddhital5047]

Thank you for your response dai. Finally mero doubt clear gardinu vayo

[@ammartamrakar3022]

Dherai dherai ramro tarikale samjhaunubhayo dhanyabad ❤

[@sandeshshrestha11]

Financial education is best in this channel .. 👍

[@shristirai847]

Thank you ideaprenure Nepal. Dherai chahene ra valuable information dinu vayo..

[@sajhagyan]

आम्दानी को आधार मा लामो समयको लागि आवश्यक नपर्ने रकम मात्रै लगानी गरौं।❤

[@Rkoli-p5s]

Sir my monthly salary is 40-70 . I choose 2000 per monthly. Is it better

[@sanjaymishra1898]

Ok good❤

[@baburamtamang3830]

Out of country batani mila sir sip kholna

[@sanjaymishra1898]

@@baburamtamang3830 milxa

[@Limsvideo51]

sip गर्नुलाइ जस्तै म संग लक्स्मी बैंकको dmat ra account छ भने नबिलमा लग्गनी गर्नु मिल्छ कि मिल्दैन

[@namo_budhhaofficial6193]

Thanks for ur videos maile vakhar start garna lagda hajur ko video le dherai help paye

[@IdeapreneurNepal]

Gazzab

[@bikashshaha6177]

Thanks a lots because of your first SIP video i chose NIBL and NMB which is doing good

[@garixxx7635]

How's NMB

[@damase8504]

@@garixxx7635 nmb ko borad of directories ko 95 perecnt members indian matra xa teyibhyera i did not choose that one .... nibl and nic are good by opverall performance till date

[@sudhanbc2210]

Nibl ta aile Nimb ma convert vako haina ra

[@Shrestha2025]

Best financial influencer in NEPAL

[@nischalmaskey.19]

I have already started to do SIP after watching your previous video. Tapaile NMB ma gareka le maile ni tesaima garde😁

[@bikashghising6946]

Same brother 😂😂

[@AarbiGurungOfficial]

Same yr😂

[@bishnusharma4004]

Same 😂

[@bhabin2057]

Same here

[@bhabin2057]

Ab nibl pani garnw paryo😂

[@sushanphuyal8177]

Maile siddhartha ko start gareko 6 month vayo Tapaiko video herera arko pani start garne vaye nibl ma Thank you for your information sir🎉 Maile euta ni xutako xaina tapaiko video

[@Jagdish.89]

Sir Nabil , Siddhartha re nibl maddhey Kun chai ma sip Garda ramro hola ?

[@dhanjitmahatara]

Sir yo kasari garna sakinxa inform pauna sakxu ta.... 🙏🙏🙏🙏🙏

[@ashokojha3745]

sir sip मा लगानी गरेर कुनै कारणबस mature time भन्दा अगाडी withdraw गर्न पर्यो भने fine लाग्छ कि लाग्दैन ?? अनि पैसा सबै झिक्न मिल्छ कि मिल्दैन ?? अनि अर्को कुरा sip मा invest गरेको पैसा पछि loan को रुपमा झिक्न सकिन्छ कि सकिदैन सर ??

[@SumiGurung-hm6qe]

mildaina

[@SunilDarzee.]

Ali dherai laamo vayo sir☺️ ali xoto maa pani tapaaele bujhauna saknu hunxa🔥❤️

[@twoplustwoproduction1238]

What are the risks of SIP? Can you explain in the next video?

[@ChhandaGurung-bh4tp]

धेरै धेरै धन्यवाद दिन चाहन्छु।SIP को बारेमा स्पष्ट पारी दिनु भयो।खुशी लाग्यो समय समयमा यस्तै सल्लाहा र सुझावको अपेक्षा राख्दछौँ।धन्यवाद

[@snakeeye5037]

Thankyou for this precious information & respect for your contribution to educate us

[@IdeapreneurNepal]

It's my pleasure

[@binudulal235]

I got my answer from ur video thank you so much .

[@sdridetech332]

You are the best financial advisor I also started to do SIP while you uploaded your SIP first video . But i never missed your every video ..

[@ranjitshrestha554]

Hajur ko video le dherai gyan dinxa thanks ❤❤❤❤❤❤❤

[@mau-saw-mee]

Thank you sir for informative vedio

[@IdeapreneurNepal]

you are most welcome

[@pandabray1957]

Awesome video sir after I watched your I will start sip very soon.thank you for uploaded this type of video.

[@sangambista]

Thank you so much sir for your more information about SIP I’m greatful

[@PurushottamKhadka-y3z]

You are a great person sir ❤

[@Reymesterio619]

Hello sir, fundamental class kaila bata suru huncha hola vandinusna ? Eagerly waiting for it

[@dipaktamang3095]

तपाइको भिडियो हेरेर नै मैले NIBL मा शुरु गरेको छु। मैले दिउँसो शुरु गरे साझमा तपाइको यो भिडियो आयो। यसो बिचार गर्दा ठिकै गरेछु जस्तो लाग्यो। Thank you

[@boundaries-f3b]

Sip jhaile suru Garda ni hunx sir maile kunai bank lai sodeko ahile Banda x vandai thiyo

[@dipaktamang3095]

@@boundaries-f3b I started just 2 days ago. Tara maile ta sabai online bata gareko. Didn't bother asking a bank because sabai online mai available xa. Ma sanga ta euta Demat account /meroshare acount pani thiyena maile sabai ek hapta bhitra online mai Demate ra meroshare kholera ani NIBL ma SIP register garera gareko.... Sajilay xa tapailai ali basic computer knowledge matrai xa bhane pani.

[@deepakpanthadp8682]

Thank you so much, Such a great video, totally useful and informatic,,

[@lifechangingvibes6623]

Thanks bro. You provided every information I was looking for. Great content man. Keep going 🎉

[@IdeapreneurNepal]

Happy to help!

[@Brsir999]

I was confused but now I'm clear thank you Sir 🙏❤️

[@IdeapreneurNepal]

Always welcome

[@hacker_____000]

@@IdeapreneurNepal mero nic ma account chaa ma jun ma ni garna sakchu ? Sab ma ?

[@dkstudio1122]

​@@IdeapreneurNepal SIP ma NIB Ma gara Ko xu sir Tara Months Change Garnu xa sir From ma Ka Apply garne sir Plige Gaide gardenu Paryo sir . From मा मर्इलाेत केहि बुझ्नु भएको छैन संर ।

[@hamronepal1621]

Brother how invest can you help me please 🙏

[@Brsir999]

@@hamronepal1621 It helps in long run specially because of compounding like bonus dividend but u should have knowledge on how to do fundamental analysis . if u dont want to do all study then u can choose open ended mutual funds and go for small investment like monthly 2k or 3k regularly and keep investing for 20-30 years .Then u will be wondering how small amount made big return .. U can watch videos like power of compounding by Ideaprener

[@Prlama116]

Maely ni nibl ma garirako xu sir thank u 👋❤️

[@imhereforyou5541]

Insurance ko barema ni vannuparne vayo guru...kunma garda ramro tyasko terms haru sabai milayera brief ma🙇

[@abhimankumal7846]

Insurance chahi bachnu vanda marda chahi faida ho.

[@laxmangurung5264]

thank you for information i started Sip as your suggestion

[@shreerajpaudel5168]

Couple of questions: 1) What is the capital gain tax on SIP? 2) If I connect my connectips with SIP payment, do they deduct the money automatically or do I need to go back, log in and pay every month?

[@finbin_np]

1; Tax is same as other equities i.e. 5% for long term hold &7.5% for less than 1 year. 2; Mostly you have to login and deposit every month but there are auto-sweep facilities also if you have account in same dp and bank.

[@aadityakushwaha400]

If ur fulfilled the AUTO DEBIT INSTRUCTIONS form then they deducted amount automatically from ur account..

[@sajawotevents]

answer of 2 questions ... If you fill the form of automatic reduce the SIP amount from your respectively account then contact your bank and fill the form so that you can save the connect ips charge .

[@ramchaudhary6283]

​

[@adarshagrawal2839]

I have heard that bank charges a minimum amount for the auto debit facility? Is it true??

[@nabinshah3416]

Questions:?? 1) kuni company ko Promoter Holding shares bechan lage ko kasri thaha paun skinch 2) how many people Promoter in any one company and each promoter share no...... how to find we?? 3) Kati promoter chhan kuni yauta company ma r (and) how many shaers each promoter ---- kasri r kata hern 👀👁👀skinchha🎯???

[@minaechaelrai3746]

NIBL and NMB i have both of them i m glad tysm for the information as always sir much appreciated 🙏❣

[@aadityakushwaha400]

Hello broo according to u Which one is better nmb ki nibl ??? Maile panii sip garna sochdaii xuu ....

[@minaechaelrai3746]

@@aadityakushwaha400 If i choose single I will choose NIBL without second thought but also according to past few years NMB also doing well so your choice bro whichever you wish to invest it's upto you hope this will sort out your confusion bro for long run SIP is the best habit ☺

[@aadityakushwaha400]

@@minaechaelrai3746 in nibl there is mobile banking facilities or not .... Those units we buy that show in the mobile banking or not

[@minaechaelrai3746]

@@aadityakushwaha400 Please watch other step wise videos about SIP from @ideapreneurnepal and you get your answer

[@udhdabshrestha5278]

maile pani nibl bata register garna garna khojeko otp nai giyana bro

[@ganeshpokhrel-st7qd]

jankari ko lagi dannebad❤

[@gurungpradeep2833]

Please inform us about the insurance company.

[@saurab550]

Again dai exited to hear you 2 installation vayo dai but my rate 8. Pluss

[@parashkhanal8882]

Wow that's Great❤🌺 I want to open SIP. Fortunately, It is right time to know. I hope this video help me by clearing confusion. Thank you so much Daju🙏❤❤ Lots of love 🤩🤩

[@amritkumarbhujel3532]

Nmb saral bachat good for sip I think

[@parashkhanal8882]

@@amritkumarbhujel3532 yes bro🤜 Paile sanjog daju le vanu vako thiyoo but halka confuse xu Additional kei hola 🤩

[@bahunvaigaming3598]

​@@amritkumarbhujel3532 bro i have also done at nmb but nepal investment bank is good i think 🙄 Or what

[@lekghlan1492]

​@@amritkumarbhujel3532 yes bro malai ni NMB ramro lagyo equity ra debt gari toatl 86% invest gareko adharma best lagyo

[@naskriramaku]

So now what is the better if I want to invest as SIP..can you make a new video as information for investment now a days???

[@bandanatamang1886]

Thanks 😊 I will invest in SIP

[@freshtika]

Your video analysis is always Nice and educative.... I am very much motivated by your video... Thank you once again...

[@IdeapreneurNepal]

Always welcome

[@Venture_93]

Nobody can deny the fact in entire planet The highest land that can be found is mt Everest Thank you for taking nepal towards future This is future AI bot just analysing comments

[@deathkiller5143]

Wooo another video on SIP Very informative ♥️♥️🤯🤯

[@s.g2237]

Confusion clear. Thank you ideapreneur nepal ♥️

[@IdeapreneurNepal]

Glad to hear that

[@Leniz-kv6uv]

I think NIBL and NMB sip are the best 🔥

[@Lureprasad84]

Happy for Nibl, investing since 9 months.

[@aadityakushwaha400]

Nibl le Mobile banking ko facilities provide gareko xa brooo...... Units buys gareko details haruuu herauxaa ki naiiiii Mobile banking maa

[@Lureprasad84]

@@aadityakushwaha400 mobile banking x bro Ani buy Gare paxi mail ni pathauxa tei ni demat ma update vaihalx

[@rupeshpandey1583]

Keep it up brother, detailing parameters found quite impressive 👍 Thanks for your valuable information.

[@IdeapreneurNepal]

My pleasure

[@narendrachettri-sr8go]

my favourite channel love u

[@bejaybasnet157]

उधारणको लागि मेरो NIC asia बैंकको डिम्याट खाता छ मैले NIC ASIA मा मात्रै SIP गर्न मिल्छ कि सो Dimat खाताले अरु बैंकमा पनि SIP गर्न मिल्छ?

[@RajuThapaMagar-p6b]

अरू बैंकमा पनि मिल्छ।सर

[@dailyjiwan9075]

Euta demat le kati ota sip garna milxa ni sir

[@officialjaising2002]

Milxav

[@nabinmalashi7746]

मेरो nic bank छ , nibl sahabhagit fund गर्न चाहान्छु . के nibl ma khata kholnu parchha ki pardain . Yo janakari pauna

[@Rattusanju]

Sabai ma garna milxa google baata side search garera jun sukai ma garna pani sakinxa

[@Manoj-jq1if]

Sir, thype ko video here ra sip suru geryo. Thank you for wonderful video's

[@sanjayadhikari81]

I earn more than Nrs. 180k. Is it good to do SIP of 10k per month? I can totally afford it. Or is there any other things i should be doing rather than 10k SIP ? 10k SIP in NMB and 2k SIP in NIBL

[@susanadhikari6380]

i dont think 10k as a amount will be worth it, instead put 10k money monthly on any stock that has good finacial data or is regarded as a blue chip company

[@arpanghimire7139]

what do u do for living 🤔?

[@mahendradadal4331]

Muji gaff na de tera baule garna dakxa 10 k per month

[@madangyawali1996]

mahendra bro, 10 k लाई कति ठूलो मान्नु भयो र यार, सकिन्छ ब्रो सकिन्छ,

[@ItsmeN7]

Yo chiknele bich ma ayera chutiya banauxa phare😂

[@nareshkarki5932]

Jankari ko lagi dhanyabad. Yak patak profilo managment service ko barema ni vedio banai dinu n plz.

[@IdeapreneurNepal]

Soon

[@nareshkarki5932]

@@IdeapreneurNepal waiting and thanx alot.

[@riseupnepal9413]

SIP गरेको ७ महिना भयो SBL-3000 Nibl-2000 खर्च हुने पैसा जोगिदो रहेछ , ७ महिनाको अनुभव ।thank you

[@IdeapreneurNepal]

Great !!

[@AshokBasnet-my6tt]

​@@IdeapreneurNepal 2 otama sip garna autai demat le kam garna sakinxa

[@rakeshkumaryadav9108]

​@@AshokBasnet-my6ttsame Doubt ??? 🤔

[@rupeshrajbanshi8294]

​@@AshokBasnet-my6ttsame doubt Duita SIP garna eutai Demat & Mero share account le kam garxa ki nai

[@sameerchaudhary5789]

thank you so much koirala sir🙏

[@samirapaudelofficial_07]

Khojekai video banaunuvayexa sir dhanyebad hajur lai.

[@imemyself0]

Nice video.. Expecting detail analysis for insurance also. Any update on it? I am planning do insurance ASAP. Waiting for your video for final decision..

[@finbin_np]

Insurance might be a good option for risk coverage but not a good investment for return.

[@imemyself0]

@@finbin_np it seems like you are unaware about TERM life insurance. It provides maximum safety for minimum premium. I believe insurance should never be done in form of investment.

[@finbin_np]

@@imemyself0 isn’t that what I said??

[@tanepal7189]

Babal videos thank you ❤

[@niktamang5201]

Nmb is best becoz sanjog sir choosed nmb 🤣

[@sujanmainali1119]

nibl नै सहि लागो हजुर को कुरा अनुसार

[@ashimacharya3776]

Is Sip in Nepal a Scam?? Bdesh tira normally sip garda monthly dividend aauxa ani yaha ta ek barsa ko ekchoti dividend aauxa Compunding ta ek barsa ma ekchoti matra hunxa esari ta ani feri sip calculator use garera monthly installment garda tya ta monthly compounding to adhhar le Amount receivable dekhauxa yo ta mildai milena ni haina ra?? Lets say bhadra 1 20X2 ma jaile dividend aauxa yesto ho vani ta shrawn 30 20X2 ma 12000 invest garni le ni tei dividend pauni vo ani mainai pixxe 1000 1000 halni le ni tei pauni vo.. ki ta maile nabujeko ho??

[@finbin_np]

Very valid point.

[@Kulman_Gharti]

i got all answer from sir waiting another Vedio❤️❤️❤️

[@prasitsijapati7850]

11:57 maa correction. Nabil Flexi Cap fund ko 45 crore bhannu bhako cha which should be 4 crore. P.S. : Thank you for this useful information once again. You have been my finance guru since the very beginning. Keep investing everyone. Cheers. 😎

[@Swastikkarkiofficial]

Sir, I am new IPO invester Pravu Smart Fund Kasto xa ?? Dividend Kati hunxa? Plzz vandinu

[@finbin_np]

Better invest in SIP for mutual fund or buy units from secondary market than applying IPO of mutual fund.

[@journeytojapan1261]

Sir SIP maa fixed deposit vandaa kam interest milxa vanne sunirako xu ?

[@finbin_np]

Wrong information

[@gurungresham7836]

धेरै राम्रो लाग्यो सर सबै data सहित हेर्न सिक्न पाउँदा l

[@sajanlama8848m]

Guru ❤️❤️❤️

[@Sajirsheikh]

If you want investing for long term than you have to invest on equity fund. All the best 😊

[@ishworkhanal3]

Sanjog dai, I thought the exit load applies to all investments made on a month-on-month basis rather than at the time of entry. d. Monthly investments made within the 24-month period would still be subject to the exit load percentage. Or this is wrong can you highlight here?

[@mamtadahal7765]

Daju ko sabai video ekdam nai ramro hunxa 🙏😊 Tara background aja kina kidnap huda gharwala haru lai pathaune banaunu vako da ?😆

[@ganeshlimbu7871]

Thank you for Sip information

[@lalbahadurg1365]

मैले 1 बर्ष देखि पैसा तिरेको छैन अब मैले बन्द गर्दा त्यो 1 बर्ष को तिर्न बाकी तिर्नै पर्छ कि त्यो बाकी रहदै close गरेर आफ्नो portfolio को सबै आउँछ ?

[@finbin_np]

You can close

[@laxmigurung180]

Thank you so much ❤

[@parmeshorkhanal1071]

Good analysis Sir

[@sanjitkumarraut4595]

Thank you for your help sir

[@Surkhetvlogs]

Super hero i appreciate you ....

[@makardhojkc1042]

❤❤सर धेरै धेरै धन्यबाद for fruitful information ❤ मैले तपाईंको भिडियोहरू हेरे, धेरै नै high-level को लाग्यो,❤ तपाईंको भविष्य धेरै उज्ज्वल देखें, मेरो analysis है सर! Elon musk को क्षमता जस्तै लाग्यो, अबको १० देखि १५ वर्षको अवधिमा तपाईंले हाम्रो विनोद चौधरीलाई पनि पछि पार्दिनुहुन्छ । Point to be noted, sir❤❤❤😂🙏🙏🙏💜🙏🙏

[@SamairaNepali]

Kasto hnxom yo dai.......matw yo dai loi herna ako......aru bhanda neyy❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤

[@SuryaGurung-bw7sk]

Good information sir

[@worldstar-c2h]

Thank you sir ❤🎉

[@untoldme1]

Malai lagxa yo compounding effect le garda sip never ending tarikale jhiknai man lagdaina hola like maile 30 barsa paxi 1 crore vayo vaney just 1 barsa add hold grda aru 10/20 lakh badhna janxa ajhai arko ek barsa rakhda crore nai badhna janxa due to compounding then i think no one will stop investing this for life time , so yo dherai garo hunexa jhyppa 30/35 barsa mai stop garna i think😂😂

[@Escobar12381]

Ideapreneur is next level ❤❤❤

[@Wholesomevibe32]

Dherai video ma NIBL ko ramro kura hru dekhiyeko xa, NIBl market low vako bela entry garyo so high huda dividend ramrai diyo ani highlight tei vako xa Jasle aru ma sip suru gareko xa usko man ma lageko jigyasa k xa vane hamle NIBL ma gariyena ghata huni ta hain vanni xa Yes bare ni kei vandinu na Ani Aile market ghateko bela NAV pni ghateko xa so lumpsum amount rakher 15 years ko lagi invest garda kasto hola? Ani hjr sng 1:1 personal consultation lina sakinx hola? As a financial coaching

[@anillimbu6481]

thanks for the information sir👏👏👏👏

[@surajtimsina]

please post the updated new review vedio of sip listed company

[@IdeapreneurNepal]

Coming in january

[@fiego1729]

SIP is the key to grow your money and grow rich and become a millionaire with the help of the power of compounding.

[@RevansGaud]

❤❤❤ bawal hjr