about report CUSTOMER PERCEPTION TOWARDS DIFFERENT INVESTMENT AVENUS

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“CUSTOMER PERCEPTION TOWARDS DIFFERENT
INVESTMENT AVENUES”
CLASS: BBA 5th SEM
COURSE NAME: services and financial services marketing
COURSE CODE: CUTM1235
SUBMITTED BY
M.VENKATA SAI
A. SANDESH
S. VASANTH

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INTRODUCTION
investing in various types of assets is an interesting activity that attracts people
from all walks oflife with respectto 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. Therequired level ofreturn 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

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REVIEW OF LITERATURE
Priti Mane discussed the customer perception with regard to the mutual funds
that the schemes they preferred, the plans they are opting, the reasons behind
such selections. This research dealt with different investment options, which
people prefer along with and apartfrom mutual funds, like postalsaving
schemes, recurring deposits, bonds, and shares. Concludethat mutual fund
linked with sharemarket and investors arenot taking advice from
authority advisor to lead them for their investment in mutual fund so it creates
the difficulty to select the mutual fund plan favourablefor them.
Awai’setalexplored that the factors which influence the decision-making
process of investors. According to their research, the decisions of the investors
depend upon the degree of the risk factors. Finally, they found that the
increased level of knowledgeabout financial information and the increased
ability of analysing that information, investor couldimprovethecapacityjumpinto
riskyinvestmentsforearninghighreturnsbymanaginginvestmentefficiently. Shukla
attempted thisresearchpaper,aboutinvestorspreferencetowardsinvestmentavenues
andthestudy focused on the salaried person only. The author concluded that
majority of the respondents invested their money based on education
background and they invested in purchasing homeand long-term investment.
Respondents have the criteria of investment as safety and low risk. Amudhan
et al., analyzed the performanceinvestment behaviour concerned with choices
about purchases of small amounts of securities, deposits, mutual fund,
insurance, Chit Funds. Researcher confirmed that there looks to a positive
degree of correlation between the factors that behaviouralfinance theory and
previous empirical evidence identified theaverageinvestor.Theresultdescribed
investmentoffertoa person’smoneytogainfutureincomein theformof interest,
dividends, rent, premium, pension profit or approvalof the value of their
standard capital. Vaidehi et al., argued that becauseof different investment
strategies as motives and styles by different needs. it studies the need for
better accepting of behaviouralpattern the paper investors, the behaviour
pattern would aid the investment advisors to envision how the investors
respond to market schedule, and would allow them to developed suitable
allotment approaches for their customers. Among the selected factors the
investment motives, attained the long-term gain, which established to an
essential factor chased by dividend and growth prospects and balancing of

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short-term and long-term gain. Educational qualification, occupation, age,
income and amount of equity investments choosethe investingstylesofthe
investorsnotably.
Rastogi 2015
analyzed behaviouralfeature in the investment choice making method.
Behavioural finance provides solution to many problems until now not
answered suitably by the usualfinance theory. The study concluded that
behaviouralbiases 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.
Muraenidae 2015
examined theevidence thatinvestorsintention of analysedinvestorsperception
towards risk and return on investment shares in organization their portfolio
constructions and the strategies of portfolio management. Suggested that
successful companies must thorough understanding of psychology of the
investors revealed that proper diversification of portfolio would make sure the
investors to get higher return, higher salary and high liquidity with least risk.
Salvi 2015
Salvidiscussedsomestudiesthatareavailableon the investors'attitudetowards
investment avenues failed to offer a lot of information the conventional
investment avenues, bank deposits and gold are the most preferred avenues,
while insurance schemes and post office instruments are getting increased
attention. She concluded most of the

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OBJECTIVES OF THE STUDY
in order to know the investors. perception towards various investmentavenues
the following objectives were framed.
1.To measure the impact of demographic factors on the investor’s choice of
investment.
2. To analysethe decision of the investors towards various investmentavenues
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.
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
researcharticles. With regard to the samplingprocedure, conveniencesampling
method was used to collect the data from the identified respondents
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

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AGE GROUP
BELOW 20 43
BETWEEN 20-30 48
BETWEEN 30-40 17
ABOVE40 3
Thischart 1 showsthe maximumnoof respondentsis
Qualification
43
48
17
3
age group
below 20 between 20-30 between 30-40 above 40
21
20
51
18
Qualification
graudate post graudate under graudate others

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GRAUDATE 21
POST GRAUDATE 20
UNDER GRAUDATE 51
OTHER 18
Series1
Salaried 25
Business 28
Student 48
Retired 9
0
10
20
30
40
50
60
salaried business student retired
occupation
Series 1

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Annual income
annual income
below2 lakhs 47
2lakhs- 4 lakhs 35
4lakhs- 6 lakhs 14
above 6 lakhs 14
1. Do you invest your money in share market?
47
35
14
14
annual income
below 2 lakhs 2lakhs - 4 lakhs 4lakhs - 6 lakhs above 6 lakhs
0 10 20 30 40 50 60 70 80
yes
no
do you investyou money in sharemarket
Series 1

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Series1
Yes 70
No 40
The chart 1 shows the no. of respondents is 70 of yes and from no it shows 40
respondents
2. What are your objectives of your saving?
Series1
children
education
17
retirementplan 20
home purchase 40
childrenmarriage 33
Answers:-
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
0
5
10
15
20
25
30
35
40
45
children edcation retirement plan home purchase children marriage
whatare your objectives of your saving
Series 1

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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
3)what is your investment objective
Series2
Income 27
growthand income 35
longtermgrowth 30
short termgrowth 18
Thischart 3 shows the no of respondentsis27of income andfromgrowthand income its shows35
respondentsit shows 30 respondentsandthe long-termgrowthatlastaboutshort-termgrowthis
18 respondents
4) do you have formal budget from family
27
35
30
18
0 5 10 15 20 25 30 35 40
income
growth and income
long term growth
short term growth
whatis your invesmentobjective

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Series1
Yes 76
No 34
The chart 4 shows the no. of respondents is 76 of yes and from no it shows 34
respondents
5)what percentage ofyour income do you invest
Sales
76
34
0
10
20
30
40
50
60
70
80
yes no
do you haveformalbudget for family
Series 1 Column2 Column1
15
26
69
what percentageof your income do you invest
0-15% 15-30% 30-50%

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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
6) what is your time period for invest
Short term 21
Mediumterm 51
Long term 38
Thischart6 showsthemaximumno of respondentsis21 of shortterm and from
mediumtermitshows51respondentsatlast longtermis 38respondents
7)have you invested your savings so far
21
51
38
whatis your time period for invest
short term medium term long term

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Series1
Yes 76
No 34
This chart7 showsthemaximum no of respondentsis76 of YESand atlast
NO is 34 respondents
8)whose advice do you seek onyour investment decisions
76
34
0 10 20 30 40 50 60 70 80
yes
no
haveyou invested your savings so far
Series 1
29
25
19
37
Sales
magazines & newspaper local brokers charted accountants family & friends

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Sales
magazines&
newspaper
29
local brokers 25
charted
accountants
19
family&friends 37
This chart 8 showsthemaximum no of respondentsis 29 of magazinesand
newspapers andfromlocal brokers itshows25 respondentsandfrom
charted accountantsitshows 19respondents lastfamily& friends is37
respondents
9)at which rate do you want your investment to grow
Steadily 41
At an average rate 46
Fast 23
This chart9 showsthemaximum no of respondentsis41 of steadily andfromat
an averagerate itshows 46respondentsat last fastis23 respondents
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

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10)whatfactordo you consider before investment
Series1
safetyof principal 11
lowrisk 34
highreturns 37
maturity period 28
This chart 10 showsthemaximumno of respondentsis 11 of safety of
principal and fromlow risk itshows34respondentsand from high returns
it shows 37 respondents lastmaturity period is 28 respondents
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 acrosstheagegroup ofthe investors are same towardsthe avenues like Realestate
and insurance sectors and they differ in the aspects like stock markets, gold, bank
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

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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 ofthe investors. Finally, the study
concludesthat investments bythe investors towards various investment avenues were
done with the expectation of capital appreciation and earnings comprising both
short term and long-term periods.
Findings
After conduction the survey through question are we find 110 respondents and
their data from the above we find that age limits between 20 -30 are 48
REFERENCES
Mane P (2016) A Studyof Investors Perception towards MutualFunds in
the Cityof Aurangabad. The SIJ Transactions onIndustrial, Financial
and Business Management
Shukla N 2016 i Preference towardsninvestment
Avenues with Special Reference to Salaried Personnel
in North Gujarat Region
Amudhan S, Poornima J, Senthilkumar(2016) A Studyon Individual
Investors Satisfaction Level of Existing Investment Schemes in Salem
District.
Vaidehi J, Vijayakumar G (2016) A Studyon EquityInvestment Motives
and Styles of IndividualInvestors. Journalof Exclusive Management
Science
Mishra R (2015) Perceptions of Investors towards MutualFunds: An
AnalyticalStudyinOdisha. InternationalJournal on Recent and
Innovation Trends in Computing and Communication 3: 4889-4892.7.
Rastogi S (2015) Differences in BehaviouralBiases in Investment
Decision Making: Gender and Occupation Perspective. Journalof

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Vijayakumar 2015 investors perception in equity market
investment in India with special reference to Chennai.
Madras UniversityJournalof Business and Finance
Ramesh M (2015) i Perception towards Risks and
Returns on investment on Shares
- An EmpiricalStudying Coimbatore. Indian Journalof Applied
Research
Selvi T (2015) Investors Attitude towards Investment Avenues.
InternationalJournalof Management and Commerce Innovations