1) The document discusses factors that influence investors' choices in investment avenues. It analyzes how demographics, objectives, budgeting, returns, and advice impact decisions. 2) A survey of 110 investors found most were students under 35 with an income under Rs. 2 lakhs. Most sought long-term growth through stocks, real estate, insurance or savings. 3) The conclusion is investors across gender and age have similar preferences for safe assets like gold and real estate. Income levels influence choices for post office savings more than other avenues. Investors generally seek both short and long-term returns on capital.

1. SUBMITTED BY
M.VENKATA SAI (190209120018)
A. SANDESH (190209120001)
S. VASANTH (190209120009)

2. investing in various types of assets is an interesting activity that attracts
people from all walks of life with respect to their occupation, economic
status, education and family background. When a person has more
money than he requires for current consumption, he would be coined as
potential investor. The investor who is having extra cash could invest it
insecurities or in any other assets like gold or real estate or could simply
deposit it in his bank account . At present, a wide variety of investment
avenues are open to the investors to suit their needs and nature.
Knowledge about the different avenues enables the investors to choose
investment intelligently. The required level of return and the risk tolerance
decide the choice of the investor. The investment alternatives range from
national savings certificates, provident fund, mutual fund schemes,
insurance schemes, chits, bank fixed deposits, com

3. Rastogi 2015
analyzed behavioural feature in the investment choice making method.
Behavioural finance provides solution to many problems until now not answered
suitably by the usual finance theory. The study concluded that behavioural biases
not affected by the combined categories of gender and occupation.
Kumar 2015
carried out research to find what plays a vital role in the minds of the investors
before decided on investment. The nine factors namely security, risk tolerance,
lucrative return, investment duration, periodic return, share preference, long-term
investment, futuristic return and investment dynamics influenced the investors
perception the author conclude that investors compared their returns and calculate
the inverse proportionality between time and the return. Among these factors, the
futuristic goals of equity investors are very considered as a factor important for
estimating their level of satisfaction.
REVIEW OF LITERATURE

4. in order to know the investors. perception towards various investment avenues the
following objectives were framed.
1.To measure the impact of demographic factors on the investor’s choice of
investment.
2. To analyse the decision of the investors towards various investment avenues
across gender
3 To elucidate the factors that influences the investors preferential selection of
various investment options.
4 To estimate the perception of investors with regard to the dimensions of
investment like safety, liquidity and high returns.
OBJECTIVES OF THE STUDY

5. RESERCH METHODOLOGY
 Both primary and secondary data were utilized for the
study. Primary data from the respondent investors was
collected through schedule method involving a structured
questionnaire and direct interview method.
 The secondary data was collected from various books,
magazines, reports and research articles. With regard to
the sampling procedure, convenience sampling method
was used to collect the data from the identified
respondents

6. LIMITATIONS OF THE STUDY
1) The sample is only 110 and the opinions of the
respondents may not synchronize with the
opinions of the entire population.
2) The opinions / preference expressed investors
by the respondents’ investors are purely
personal and they are subjected to individual in
their nature

7. Findings
The age and income of investors plays major role for taking decision
towards the investment.
They also have less knowledge of managing their income and resources.
They are interested to take advice from the investment consultants and experts.
Persons give more attention towards security and safety while investing their
money.
They want to invest money in the schemes, which are safe and secure. Insurance is
one of the best options that provide security, sure return on investment and life
safety to the insurer.

8. AGE GROUP
BELOW 20 43
BETWEEN 20-30 48
BETWEEN 30-40 17
ABOVE 40 3
This chart 1 shows the maximum no of respondents is between 20-30 is 48 peoples

9. Qualification
21
20
51
18
Qualification
graudate post graudate under graudate others
GRAUDATE 21
POST GRAUDATE 20
UNDER GRAUDATE 51
OTHER 18
This chart 1 shows the maximum no of respondents is under graudate 20
peoples

10. 25 28
48
9
SALARIED BUSINESS STUDENT RETIRED
occupation
Series 1
Series 1
Salaried 25
Business 28
Student 48
Retired 9
Occupation
This chart 1 shows the maximum no of respondents is students 48
numbers

11. Annual income
47
35
14
14
annual income
below 2 lakhs 2lakhs - 4 lakhs 4lakhs - 6 lakhs above 6 lakhs
annual income
below 2 lakhs 47
2lakhs - 4 lakhs 35
4lakhs - 6 lakhs 14
above 6 lakhs 14
This chart 1 shows the maximum no of respondents is below 2 lakhs 47 peoples

12. 1) do you invest you money in share market
Series 1
Yes 70
No 40
70
40
0 20 40 60 80
YES
NO
Series 1
The chart 1 shows the no. of respondents is 70 of yes and
from no it show 40 respondents

13. 2) what are your objectives of your
saving
Series 1
children
education
17
retirement plan 20
home purchase 40
children marriage 33
17
20
40
33
CHILDREN
EDCATION
RETIREMENT
PLAN
HOME
PURCHASE
CHILDREN
MARRIAGE
Series 1
For the children we should to save 17 incomes for the equation purpose
For the retirement plan we should save 20 for the citizen plans
For the home purchase we should save 40 for build house to stay comfort
For the children marriage we should save 33 incomes for marriage celebration

14. 3) what is your investment
objective
Series 2
Income 27
growth and income 35
long term growth 30
short term growth 18
27
35
30
18
0 10 20 30 40
INCOME
GROWTH AND INCOME
LONG TERM GROWTH
SHORT TERM GROWTH
what is your investment
objective
This chart 3 shows the no of respondents is 27 of income and from
growth and income its shows 35 respondents it show 30
respondents and the
long term growth at last about short term growth is 18 respondents

15. 4) do you have formal budget from
family
Series 1
Yes 76
No 34
76
34
0
10
20
30
40
50
60
70
80
yes no
do you have formal budget for family
Series 1 Column2 Column1
The chart 4 shows the no. of respondents is 76 of yes and
from no it show 34 respondents

16. 5) what percentage of your income
do you invest
0-15% 15
15-30% 26
30-50% 69
This chart 5 shows the maximum no of respondents is 15 of
0-15% and from 15-30% it shows 26 respondents at last 30-
50% is 69 respondents

17. Short term 21
Medium term 51
Long term 38
6) what is your time period for invest
21
51
38
what is your time period for invest
short term medium term long term
This chart 6 shows the maximum no of respondents is 21 of short term and from
medium term it shows 51 respondents at last long term is 38 respondents

18. Series 1
Yes 76
No 34
7)have you invested your savings so far
76
34
0 20 40 60 80
YES
NO
have you invested
your savings so far
Series 1
This chart 7 shows the maximum no of respondents is 76 of YES and at last NO
is 34 respondents

19. Sales
magazines & newspaper 29
local brokers 25
charted accountants 19
family & friends 37
8)whose advice do you seek on your investment decisions
29
25
19
37
Whose advice do your seek on your investment
decisions
magazines & newspaper local brokers charted accountants family & friends
This chart 8 shows the maximum no of respondents is 29 of magazines and
newspapers and from local brokers it shows 25 respondents and from charted
accountants it shows 19 respondents last family & friends is 37 respondents

20. Steadily 41
At an average
rate
46
Fast 23
9)at which rate do you want your investment to grow
41
46
23
0
5
10
15
20
25
30
35
40
45
50
steadily at an average rate fast
9)at which rate do you want your
investment to grow
Series 2
This chart 9 shows the maximum no of respondents is 41 of steadily and from at an
average rate it shows 46 respondents at last fast is 23 respondents

21. Series 1
safety of principal 11
low risk 34
high returns 37
maturity period 28
10) what factor do you consider before investment
11
34
37
28
0 5 10 15 20 25 30 35 40
safety of principal
low risk
high returns
maturiy period
what factor do your consider before
investment
Series 1
This chart 10 shows the maximum no of respondents is 11 of safety of principal and from
low risk it shows 34 respondents and from high returns it shows 37 respondents last
maturity period is 28 respondents

22. CONCLUSION
it can be concluded that the investors preferential choices on investment
avenues are same across their gender and the decision-making process on
various investment avenues are same on the investment aspects like
gold. The preferential choices across the age group of the investors are same
towards the avenues like Real estate and insurance sectors and they differ in the
aspects like stock markets, gold, bank savings and post office savings. The
present study further concludes that the perception of order of investments
among the investors is different towards post office savings among the
various income group levels of the investors. Finally, the study concludes that
investments by the investors towards various investment avenues were done
with the expectation of capital appreciation and earnings comprising both
short term and long-term periods.