Investment pattern & portfolio management of investors in delhi


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Investment pattern & portfolio management of investors in delhi

  1. 1. Investment Pattern & Portfolio Management of Investors in Delhi<br />Presented By:<br />SambhavJain<br />MBA - 2A<br />Under the Guidance of :<br />Ms. ChitwanBhutani<br />Faculty Member, PCTE.<br />
  2. 2. Insurance<br />How it works ?<br />Types:<br />Life Insurance<br />General Insurance<br />
  3. 3. Life Insurance Companies Operating In India<br />
  4. 4.
  5. 5. Life Insurance<br />Kal Par Control<br />
  6. 6. Corporate Background <br />Aviva is UK’s largest and amongst the biggest insurance companies worldwide. <br />Aviva has a 53 million-customer base with presence in 27 countries.<br />In India, Aviva has a joint venture with Dabur, 26 : 74. <br />Aviva has 195 Branches (including rural branches).<br />Aviva has more than 30,000 Financial Planning Advisers. <br />
  7. 7. Main business operations:<br />UK (Life, General Insurance and Health)<br />Europe<br />Asia Pacific<br />North America<br />Aviva Investors<br />
  8. 8. Channels Of Aviva<br />BSA Channel<br />DSF Channel<br />Agency Channel<br />
  9. 9. Vision<br />“One Aviva, twice the value”.<br /> <br />Core Purpose<br />To provide prosperity and peace of mind for our customers .<br />
  10. 10. Objectives<br /> <br />Manage composite portfolio<br />Build global asset management<br />Increase customer reach<br />
  11. 11. Management Team:<br />T R Ramachandaran(Managing Director & Chief Executive Officer)<br />SumitBehlDirector, Business Risk & Internal Audit<br />MunishShardaDirector, Direct Sales Force<br />Monica Agrawal(Director,Corporate Initiatives)<br />Rajeev Arora(Director, Finance & Actuarial)<br />Vishal GuptaDirector, Marketing<br />
  12. 12. Key Products<br />
  13. 13. Aviva New LifeSaverPlus <br />Aviva New Pension Plus<br />Aviva New Young Scholar<br />
  14. 14. SWOT Analysis Of Aviva’s BSA Channel<br />
  15. 15. Aviva’s Bancassurance Partners<br />PUNJAB & SIND BANK<br /> INDUSIND <br /> ABN AMRO <br /> LAKSHMI VILAS BANK LTD <br />
  16. 16. Corporate Social Responsibility<br />It is our belief in the power of education that has fueled our endeavors to guarantee it, most importantly to those who cannot afford it. Through our Corporate Responsibility initiatives we wish to empower as many children as we can.<br />
  17. 17. <ul><li>What is an investment?
  18. 18. Types of Investments:</li></ul>Economic <br />Financial<br />General<br />
  19. 19. Charactersticsof Investment<br />Return<br />Risk<br />Safety<br />Liquidity<br />
  20. 20. Importance Of Investment<br />Retirement planning<br />Increasing rates of taxation<br />Rates of interest<br />Inflation<br />Investment channels<br />
  21. 21. Investment Avenues<br />Equity Shares:<br />Ordinary<br />Preference<br />Debt Market Instruments:<br />Certificate of Deposit<br />Commercial Paper<br />Corporate Debentures<br />Floating Rate Bonds (FRB)<br />Government Securities<br />
  22. 22. f) Treasury Bills<br />Bank/FI Bonds<br />PSU Bonds<br />Mutual Fund Schemes<br />Deposits<br />Life Insurance<br />Real Estate<br />Tax-sheltered saving schemes<br />Precious Objects<br />
  23. 23. What is Risk?<br />Types Of Risks:<br />Systematic risk:<br />Market risk<br />Interest rate risk <br />Purchasing Power risk<br />Unsystematic Risk:<br />Business risk <br />Financial risk<br />
  24. 24. Risk-Return Comparison Of Various Investment Alternatives<br />
  25. 25.
  26. 26. Portfolio<br />A combination of securities with different risk & return characteristics will constitute the portfolio of the investor.<br />
  27. 27. Portfolio Design<br />
  28. 28. Portfolio - Age Relationship<br />
  29. 29. Types of portfolio:<br />Random Portfolio<br />Sector Portfolio<br />
  30. 30. P/E Ratio & Beta factor as a guide to investment decisions<br />P/E Ratio:<br />Earnings per share alone mean absolutely nothing. In order to get a sense of how expensive or cheap a stock is, you have to look at earnings relative to the stock price and hence employ the P/E ratio.<br />P/E = Current Market Price<br /> Earning Per Share<br />
  31. 31. Beta Factor<br />“Beta” indicates the proportion of the yield of a portfolio to the yield of the entire market (as indicated by some index). If there is an increase in the yield of the market, the yield of the individual portfolio may also go up.<br />
  32. 32. Interpretation Of Beta<br /> <br />When B = 1 means that the scrip has same volatility as compared to Index. Suitable for moderate investor.<br /> <br />When B>1 means that scrip is more volatile as compared to market suitable for aggressive investors.<br /> <br />When B<1 then scrip is less volatile as compared to market and suitable for defensive investors.<br />
  33. 33.  <br />PORTFOLIO<br />  <br /> <br /> <br />AGGRESSIVE MODERATEDEFENSIVE<br />
  34. 34. Title<br />Investment Pattern & Portfolio Management of Investors in Delhi<br />
  35. 35. Objectives of the study<br />To know about the investment motive of an investor of Delhi.<br />To provide knowledge to investor about risk associated with various investment instruments.<br />To know which is the most preferred investment option among the mid-aged investors of Delhi.<br />To know the factors which influence the choice of investors.<br />
  36. 36. Research Methodology<br />Introduction:<br />Research is an academic activity and as such the term should be used in technical sense.<br />Research Design:<br />Descriptive research designis usedfor collecting primary data.<br />
  37. 37. Sampling Design<br />SAMPLING TECHNIQUE:<br />Non Probability technique. Under Non Probability technique, Place Convenience Sampling was used.<br />UNIVERSE:<br />Universe in this study constitutes both males and females,<br />Above 25, in the whole world.<br />POPULATION:<br />Investors, above 25 years in Delhi city.<br />SAMPLING SIZE: 75 respondents.<br />SAMPLE UNIT: Any investor above 25 years in Delhi .<br />
  38. 38. Methods of Data Collection<br />Method Of Primary Data Collection:<br />The method followed in obtaining the primary data was through the structured schedules.<br />Method of Secondary Data Collection:<br />Journals and Magazines<br />Internet<br />
  39. 39. Limitations of the Project<br />The research has been conducted with a small sample size hence it does not provide for generalization of the results. <br />Some of the respondents can hide the real information.<br /> Scarcity of time for completion of project.<br />
  40. 40. Data Analysis & Interpretation<br />
  41. 41. Figure 4.1 Profession (N=75)<br />
  42. 42. 4.2 Annual Income (N=75)<br />
  43. 43. 4.3 Proportion Of Annual Income Invested (N=75)<br />
  44. 44. 4.4 Investment Motive (N=75)<br />
  45. 45. 4.5Investments they feel comfortable owning (N=75)<br />
  46. 46. 4.6 Most Preferred Investment Option (N=75)<br />
  47. 47. 4.7Risk Tolerance (N=75)<br />
  48. 48. 4.8Acceptable Degree Of Volatility (N=75)<br />
  49. 49. 4.9 Time frame allowed for investment to reach its objective (N=75)<br />
  50. 50. 4.10 Criteria for choosing an investment (N=75)<br />
  51. 51. 4.11Consideration about inflation and its impact on portfolio (N=75)<br />
  52. 52. 4.12Revision Strategy (N=75)<br />
  53. 53. Suggestions<br />Aviva should concentrate on building a more trustworthy image in the eyes of investors.<br />People are willing to invest for a medium to long term to set off the inflation factor hence products in that category would be a good area for Aviva to concentrate.<br />Aviva should do extensive advertisement through every media whether electronic, print, or hoarding etc.<br />The company should create awareness about the rules and regulations of IRDA and its easy claim settlement procedure.<br />Aviva can benefit if people are made aware about ULIP’s investment in mutual funds and various stocks, as they are likely to invest into stocks anyway.<br />
  54. 54. Conclusion<br /> <br />According to my research people are moderately bullish with regard to their risk appetite.<br />People have moderate knowledge about volatility, inflation and management of their portfolio.<br />People are not interested in buying insurance as an investment option.<br />