This document summarizes a study on factors influencing individual investor behavior with reference to Geojit BNP Paribas Financial Service Ltd in Coimbatore, India. The study aimed to identify the most and least influencing factors. A questionnaire was used to collect data from 200 investors. The factors were analyzed under personal factors (gender, education, income) and behavioral factors (financial tolerance, risk tolerance, financial literacy). The study found that accounting information was the most influencing factor, while neutral information was the least. Additionally, behavioral factors like risk tolerance and financial literacy also influenced decisions. Suggestions were provided based on the analysis.
Behavioural Finance Paradigms and Its Influences on Investment Decisions and ...ijtsrd
According to conventional theory of stock market, the institutional investors and individual investors are rational by nature who would like to maximize their wealth within a stipulated period. However, there are many paradigms related to financial behaviour of individuals where it influences their investment decisions, leading to behave in irrational ways. Most of the investor's attitude towards investment states that their attitudinal behaviour always influences their investment decisions and will have an impact on their portfolios, so it clearly states that the psychological aspects of investor's will always have an impact on investment pattern what they choose and helps them to decide their investment avenues. Behavioral finance predicts the trading behavior of investors based on some paradigms in the stock market and is used as a basis for creating more efficient trading strategies for the purpose of maximizing returns. In this research study attempt has been made to understand and explain the impact of behavioural paradigms of financial market influencing on individual trading and investment behaviour around the world as well as the efforts has been made to put forth to find out the paradigms and its reasons for existence and acceptance of behavioural biases in the modern financial theory. In present scenario there are most cases where the performance of the financial market depends on the attitude of investors who invest in criterion portfolio and play a major role towards the investment, so there is a need of studying the above said existing paradigms for the purpose of evaluating the performance of various stocks and shares of the organizations and others in the financial market. And the research has proved that behavioural finance influences the investment decision making and their trading behaviour and also have an impact on the equity market as well. Dr. H. Prakash | Rekha D. M "Behavioural Finance Paradigms and Its Influences on Investment Decisions and Performance of Equity Market- A Study in Bangalore" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29614.pdfPaper URL: https://www.ijtsrd.com/management/accounting-and-finance/29614/behavioural-finance-paradigms-and-its-influences-on-investment-decisions-and-performance-of-equity-market--a-study-in-bangalore/dr-h-prakash
Great article from my good friends, Jim Michalowicz and Gardner Courson, on the application of Analytics to improve decision-making to deliver desired litigation outcomes.
Analytics in Financial Services: Keynote Presentation for TDWI and NY Tech Co...Fitzgerald Analytics, Inc.
Keynote Presentation Given in New York City on March 30th, at a joint event of The Data Warehousing Institute (TDWI) and the New York Technology Council. This keynote presentation by Jaime Fitzgerald focused on "Bridging the Gap" between business goals in the data and analytic enablers of achieving these goals.
Behavioural Finance Paradigms and Its Influences on Investment Decisions and ...ijtsrd
According to conventional theory of stock market, the institutional investors and individual investors are rational by nature who would like to maximize their wealth within a stipulated period. However, there are many paradigms related to financial behaviour of individuals where it influences their investment decisions, leading to behave in irrational ways. Most of the investor's attitude towards investment states that their attitudinal behaviour always influences their investment decisions and will have an impact on their portfolios, so it clearly states that the psychological aspects of investor's will always have an impact on investment pattern what they choose and helps them to decide their investment avenues. Behavioral finance predicts the trading behavior of investors based on some paradigms in the stock market and is used as a basis for creating more efficient trading strategies for the purpose of maximizing returns. In this research study attempt has been made to understand and explain the impact of behavioural paradigms of financial market influencing on individual trading and investment behaviour around the world as well as the efforts has been made to put forth to find out the paradigms and its reasons for existence and acceptance of behavioural biases in the modern financial theory. In present scenario there are most cases where the performance of the financial market depends on the attitude of investors who invest in criterion portfolio and play a major role towards the investment, so there is a need of studying the above said existing paradigms for the purpose of evaluating the performance of various stocks and shares of the organizations and others in the financial market. And the research has proved that behavioural finance influences the investment decision making and their trading behaviour and also have an impact on the equity market as well. Dr. H. Prakash | Rekha D. M "Behavioural Finance Paradigms and Its Influences on Investment Decisions and Performance of Equity Market- A Study in Bangalore" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29614.pdfPaper URL: https://www.ijtsrd.com/management/accounting-and-finance/29614/behavioural-finance-paradigms-and-its-influences-on-investment-decisions-and-performance-of-equity-market--a-study-in-bangalore/dr-h-prakash
Great article from my good friends, Jim Michalowicz and Gardner Courson, on the application of Analytics to improve decision-making to deliver desired litigation outcomes.
Analytics in Financial Services: Keynote Presentation for TDWI and NY Tech Co...Fitzgerald Analytics, Inc.
Keynote Presentation Given in New York City on March 30th, at a joint event of The Data Warehousing Institute (TDWI) and the New York Technology Council. This keynote presentation by Jaime Fitzgerald focused on "Bridging the Gap" between business goals in the data and analytic enablers of achieving these goals.
Consumer behaviour towards co-op banks-project reportAtul Gurav
Research topic assigned to our group as a part of Marketing Research Project
was “Customer Behaviour towards Co-operative Banks”. The objective of our
study was to understand customer behaviour as well as to understand whether
they are aware about the services and facilities offered by the Co-operative
Banks. The survey we conducted was confined to Karjat area, we reffered to
Five Co-operative banks and our sample size was 80.
Methodology used was Primary as well Secondary data. Type of study we
implemented was Exploratory as well as descriptive study. As per the Research
findings, many of the Respondents prefer co-operative banks over Nationalised
banks due to higher interest rate on deposits, preference given to local and
friendly approach of the bank towards their customers.So this clearly proves our
hypothesis is true.
Various Suggestion are provided in the report like Bringing awareness in the
housewives as they drive the family, to start with the internet and mobile
banking facility, etc. There were even several limitations to our study we
conducted like Time constraints , area , respondents, language barrier, genuinity
of information, insecurity towards providing personal information like phone
number , name and address.
The Top Skills That Can Get You Hired in 2017LinkedIn
We analyzed all the recruiting activity on LinkedIn this year and identified the Top Skills employers seek. Starting Oct 24, learn these skills and much more for free during the Week of Learning.
#AlwaysBeLearning https://learning.linkedin.com/week-of-learning
Factors Influencing Investment Decisions of Retail Investors- A Descriptive S...inventionjournals
Investment decisions have gained importance due to the general increase in employment opportunities and economic development of a nation. Awareness of investment avenues has led to the ability and willingness of working people to save and invest their funds for returns, in that perspective this study was conducted. The volatile behaviour of markets has challenged the hypothesis of efficient markets which motivates ones to understand the driving forces behind it. It is the major concern for academicians, investors and portfolio managers to understand the reasons causing irrationality in the markets. This paper uses the theory of behavioural finance to examine the factors influencing investment decisions of individual investors. From the extensive literature review, it was found that there is no single factor which influences the investment decisions of an individual. Moreover factors influencing investment decision varies from time to time, place to place, person to person, securities to securities etc. It was suggested that the policy makers of investment avenues must consider all the variables and its impact on the investors investment decisions while introducing any investment avenues to the market.
IOSR Journal of Business and Management (IOSR-JBM) is an open access international journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
A Study of Behavioural Factors Affecting Individual Investment Decisionsijtsrd
Although finance has been studied for thousands of years, behavioral finance which considers the human behaviour in finance is a pretty new area. Behavioral finance theories, which might be based totally at the psychology, try to apprehend how feelings and cognitive mistakes impact man or woman traders' behaviour buyers referred to on this look at are referred to person traders .The primary goal of this have a look at is exploring the behavioral factors influencing person buyers' selections on the NSE and BSE Stock Exchange. Furthermore, the members of the family among these elements and funding overall performance also are tested. The have a look at begins with the present theories in behavioral finance, based totally on which, hypotheses are proposed. Then, those hypotheses are examined via the questionnaires dispensed to individual buyers on the Broking Firms, college students and professionals. The data collected from the Stock Broking firms, Students, Professionals through structured questionnaire were examined and data collected were analyzed using Cronbachs Alpha Reliability Test, based totally on which, hypotheses are proposed. The result indicates that there are 5 behavioral elements affecting the funding selections of person investors at the NSE and BSE Stock Exchange Herding, Market, Prospect, Overconfidence gamble's fallacy, and Anchoring ability bias. Most of these elements have mild impacts whereas Market element has high affect. This test also tries to discover the correlation among these behavioral factors and investment overall performance. Among the behavioral factors referred to above, best 3 elements are located to influence the Investment Performance Herding inclusive of shopping for and promoting choice of trading shares extent of buying and selling stocks velocity of herding , Prospect such as loss aversion, remorse aversion, and mental accounting , and Heuristic inclusive of overconfidence and gamble's fallacy . The heuristic behaviors are determined to have the highest advantageous impact at the investment overall performance while the herding behaviors are stated to persuade undoubtedly the investment overall performance on the lower degree. In assessment, the possibility behaviors provide the negative impact on the funding overall performance. Pawankumar S Hallale | Manjiri Gadekar "A Study of Behavioural Factors Affecting Individual Investment Decisions" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-6 , October 2019, URL: https://www.ijtsrd.com/papers/ijtsrd28100.pdf Paper URL: https://www.ijtsrd.com/management/business-economics/28100/a-study-of-behavioural-factors-affecting-individual-investment-decisions/pawankumar-s-hallale
Guidebook for Impact Investors: Impact MeasurementPurpose Capital
Purpose Capital recently published Guidebook for Impact Investors: Impact Measurement, a guidebook for impact investors to help them enhance their use of social metrics.
The guide provides investors with with:
- A basic overview of social metrics for impact investing
- An outline of the issues and challenges of social impact measurement
-A summary of existing social impact measurement tools and a description of how they are being used
-A set of diagnostic tools to help you think through key questions and issues related to measurement and to select appropriate social impact metrics based on selected goals
For more information, visit: http://www.purposecap.com/portfolio/guidebook-for-impact-investors-impact-measurement/
Report on the Financial Ratios and IT Industry AnalysisPushkar Metha, MBA
This report is the detailed Ratio analyses of Tech Mahindra and Infosys and are immensely helpful in making a comparative of the financial statement for several years.
The analysis shows the company financial position is very secure. It is observed that most of the ratios are as per the industry standard.
It has been also been observed that in most of the ratio likes EPS, Book Value, Dividend Per share, PBITA Margin, ROE etc., Infosys Ltd. is doing better than the Tech Mahindra which shows Infosys Ltd. is much more stable as compared with the Tech Mahindra and in turn can provide more returns to Shareholders / Investors.
The empirical results reveal that the dividend payout policies of Tech Mahindra and Infosys Ltd. are significant and strong positively correlated with leverage. Tech Mahindra and Infosys ltd. are significant and strong positively correlated with provision for Taxation.
The Technology has been changing at the rapid space and it demands to invest in new technologies like cloud computing, mobility and analytics, Big Data and innovation which will provide tremendous opportunities. The customer demands are more dynamic which require more technological work force. The companies need to take the proactive steps in moving Digital and building the competency for new technologies where there are huge opportunities to grow.
The Influential Investor. How UHNW and HNW investor behaviour is redefining p...Scorpio Partnership
The Influential Investor examines the forces that will shape the future of the wealth and investment management industry over the next ten years. The paper delves into the factors that influence UHNW investor behaviour and the ways investors are rethinking their goals for the future. Scorpio Partnership worked alongside the Economist Intelligence Unit and TNS as the recognised specialist on HNW insight
Consumer behaviour towards co-op banks-project reportAtul Gurav
Research topic assigned to our group as a part of Marketing Research Project
was “Customer Behaviour towards Co-operative Banks”. The objective of our
study was to understand customer behaviour as well as to understand whether
they are aware about the services and facilities offered by the Co-operative
Banks. The survey we conducted was confined to Karjat area, we reffered to
Five Co-operative banks and our sample size was 80.
Methodology used was Primary as well Secondary data. Type of study we
implemented was Exploratory as well as descriptive study. As per the Research
findings, many of the Respondents prefer co-operative banks over Nationalised
banks due to higher interest rate on deposits, preference given to local and
friendly approach of the bank towards their customers.So this clearly proves our
hypothesis is true.
Various Suggestion are provided in the report like Bringing awareness in the
housewives as they drive the family, to start with the internet and mobile
banking facility, etc. There were even several limitations to our study we
conducted like Time constraints , area , respondents, language barrier, genuinity
of information, insecurity towards providing personal information like phone
number , name and address.
The Top Skills That Can Get You Hired in 2017LinkedIn
We analyzed all the recruiting activity on LinkedIn this year and identified the Top Skills employers seek. Starting Oct 24, learn these skills and much more for free during the Week of Learning.
#AlwaysBeLearning https://learning.linkedin.com/week-of-learning
Factors Influencing Investment Decisions of Retail Investors- A Descriptive S...inventionjournals
Investment decisions have gained importance due to the general increase in employment opportunities and economic development of a nation. Awareness of investment avenues has led to the ability and willingness of working people to save and invest their funds for returns, in that perspective this study was conducted. The volatile behaviour of markets has challenged the hypothesis of efficient markets which motivates ones to understand the driving forces behind it. It is the major concern for academicians, investors and portfolio managers to understand the reasons causing irrationality in the markets. This paper uses the theory of behavioural finance to examine the factors influencing investment decisions of individual investors. From the extensive literature review, it was found that there is no single factor which influences the investment decisions of an individual. Moreover factors influencing investment decision varies from time to time, place to place, person to person, securities to securities etc. It was suggested that the policy makers of investment avenues must consider all the variables and its impact on the investors investment decisions while introducing any investment avenues to the market.
IOSR Journal of Business and Management (IOSR-JBM) is an open access international journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
A Study of Behavioural Factors Affecting Individual Investment Decisionsijtsrd
Although finance has been studied for thousands of years, behavioral finance which considers the human behaviour in finance is a pretty new area. Behavioral finance theories, which might be based totally at the psychology, try to apprehend how feelings and cognitive mistakes impact man or woman traders' behaviour buyers referred to on this look at are referred to person traders .The primary goal of this have a look at is exploring the behavioral factors influencing person buyers' selections on the NSE and BSE Stock Exchange. Furthermore, the members of the family among these elements and funding overall performance also are tested. The have a look at begins with the present theories in behavioral finance, based totally on which, hypotheses are proposed. Then, those hypotheses are examined via the questionnaires dispensed to individual buyers on the Broking Firms, college students and professionals. The data collected from the Stock Broking firms, Students, Professionals through structured questionnaire were examined and data collected were analyzed using Cronbachs Alpha Reliability Test, based totally on which, hypotheses are proposed. The result indicates that there are 5 behavioral elements affecting the funding selections of person investors at the NSE and BSE Stock Exchange Herding, Market, Prospect, Overconfidence gamble's fallacy, and Anchoring ability bias. Most of these elements have mild impacts whereas Market element has high affect. This test also tries to discover the correlation among these behavioral factors and investment overall performance. Among the behavioral factors referred to above, best 3 elements are located to influence the Investment Performance Herding inclusive of shopping for and promoting choice of trading shares extent of buying and selling stocks velocity of herding , Prospect such as loss aversion, remorse aversion, and mental accounting , and Heuristic inclusive of overconfidence and gamble's fallacy . The heuristic behaviors are determined to have the highest advantageous impact at the investment overall performance while the herding behaviors are stated to persuade undoubtedly the investment overall performance on the lower degree. In assessment, the possibility behaviors provide the negative impact on the funding overall performance. Pawankumar S Hallale | Manjiri Gadekar "A Study of Behavioural Factors Affecting Individual Investment Decisions" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-6 , October 2019, URL: https://www.ijtsrd.com/papers/ijtsrd28100.pdf Paper URL: https://www.ijtsrd.com/management/business-economics/28100/a-study-of-behavioural-factors-affecting-individual-investment-decisions/pawankumar-s-hallale
Guidebook for Impact Investors: Impact MeasurementPurpose Capital
Purpose Capital recently published Guidebook for Impact Investors: Impact Measurement, a guidebook for impact investors to help them enhance their use of social metrics.
The guide provides investors with with:
- A basic overview of social metrics for impact investing
- An outline of the issues and challenges of social impact measurement
-A summary of existing social impact measurement tools and a description of how they are being used
-A set of diagnostic tools to help you think through key questions and issues related to measurement and to select appropriate social impact metrics based on selected goals
For more information, visit: http://www.purposecap.com/portfolio/guidebook-for-impact-investors-impact-measurement/
Report on the Financial Ratios and IT Industry AnalysisPushkar Metha, MBA
This report is the detailed Ratio analyses of Tech Mahindra and Infosys and are immensely helpful in making a comparative of the financial statement for several years.
The analysis shows the company financial position is very secure. It is observed that most of the ratios are as per the industry standard.
It has been also been observed that in most of the ratio likes EPS, Book Value, Dividend Per share, PBITA Margin, ROE etc., Infosys Ltd. is doing better than the Tech Mahindra which shows Infosys Ltd. is much more stable as compared with the Tech Mahindra and in turn can provide more returns to Shareholders / Investors.
The empirical results reveal that the dividend payout policies of Tech Mahindra and Infosys Ltd. are significant and strong positively correlated with leverage. Tech Mahindra and Infosys ltd. are significant and strong positively correlated with provision for Taxation.
The Technology has been changing at the rapid space and it demands to invest in new technologies like cloud computing, mobility and analytics, Big Data and innovation which will provide tremendous opportunities. The customer demands are more dynamic which require more technological work force. The companies need to take the proactive steps in moving Digital and building the competency for new technologies where there are huge opportunities to grow.
The Influential Investor. How UHNW and HNW investor behaviour is redefining p...Scorpio Partnership
The Influential Investor examines the forces that will shape the future of the wealth and investment management industry over the next ten years. The paper delves into the factors that influence UHNW investor behaviour and the ways investors are rethinking their goals for the future. Scorpio Partnership worked alongside the Economist Intelligence Unit and TNS as the recognised specialist on HNW insight
A CONCEPTUAL FRAMEWORK FOR RESEARCH ON INVESTMENT DETERMINANTS AMONG NON-INST...IAEME Publication
In modern economic world income plays a very vital role in every one’s daily life.
Investment has been one of the major concerns for the Non-institutional investors as
their today’s small savings would be meeting with the expenses of tomorrow. The risk
and returns proportion from each of these investment options varies from one to
another. Investor’s behavior plays an important role in investment decision making,
which is influenced by many a factors during the process of investment decision
making. Today, investors have many avenues of investment with different features to
cater their present and future needs. The focus of this paper (non-institutional
investors), unlike institutional investor, suffers from various sort of perception while
deploying their funds due to their low investible funds, risk taking capacity, low
investment education and their exposure to evaluate the available information. This
situation of the non-institutional investors motivates to study as these investors are the
finest source of small savings in investment set-up of the country. This paper presents
a conceptual framework for research on investment determinants among noninstitutional investors to be carried out further by the researchers.
ROLE OF CORPORATE REPORTING IN EMERGING ECONOMIES AS INVESTMENT INFORMATIONIAEME Publication
The present study is based on the information about corporate reporting parameter
and their standardized functionality procedure and distinctive perception about
corporate disclosure is mandatory to understand the basic requirement of each and
every person associated with investment. These financial information is accessed and
required by many users at different phases of analyzing company strength and
functioning structure. In this study we have tried to establish basic requirements that
will be required on regular basis by individual investor at different phases.
Outsourcing Research and analytics processes can help gain actionable insight...WNS Global Services
Winning companies know that the right research and analytics enable them to gather, synthesize and extract data-based insights about their customers and their rivals, with the resulting insights provide them with monumental, actionable competitive advantage. In the article, the author, breaks the myth that analytics is only for the marketing function. The fact is that every corporate function in just about every industry benefits from the insights research and analytics yields. The author lucidly explains, through examples, how almost every corporate function can benefit from applying research and analytics – from HR to R&A to Sales and even Finance & Risk Management.
Read more such articles at http://www.wns.com/Insights/Articles/tabid/81/Default.aspx
Factors Influencing the Trading Behavior of Investors in Capital Market: An E...IOSRJBM
The investors in different categories have different trading behavior. The main contribution of this study is to analyze the buying behavior of investors in the stock markets. There are many factors that have direct or indirect effect on buying behavior of the investors. After reviewing literature and secondary data the researchers identify some driving factors and primary data have been collected and analyzed based on that factor. From the study, the researchers found that Stock dividend, Company news, Earning per share, AGM and EGM affects the buying behavior absolutely and some factors have no effect and Cash dividend, Margin loan , Placement, Net income and Paid up capital affects significantly. The researchers also found that Islamic philosophy does not play any role with share business.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
1. IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol. 2 No.2, April 2012
A Study on the Individual Investor Behavior
with Special Referance to Geojit BNP Paribas
Financial Service Ltd, Coimbatore.
Gnani Dharmaja .V,
Mechanical Engineering
Psg College of Technology, Coimbatore, India
Ganesh .J,
Electrical and Electronics Engineering,
PSG College of Technology, Coimbatore, India
Dr. Santhi .V
Department Of Humanities
Psg College of Technology
Coimbatore, India
ABSTRACT
Research in behavioral finance is relatively new. Within Most financial theory is based on the idea that everyone
behavioral finance it is assumed that information takes careful account of all available information before
structure and the characteristics of market participants making investment decisions. But there is much evidence
systematically influence individuals’ investment decisions that is not the case. Behavioral finance, a study of the
as well as market outcomes. According to behavioral markets that draws on psychology, is throwing more light
finance, investor market behavior derives from on why people buy or sell the stocks they do - and even
psychological principles of decision making to explain why they do not buy stocks at all. This research on
why people buy or sell stocks. The research we have investor behavior helps to explain the various 'market
done was on the topic “Factors Influencing the anomalies' that challenge standard theory. It is emerging
Individual Investor Behavior”. The study aims at from the academic world and beginning to be used in
identifying the most and the least influencing factors of money management.
the individual investor behavior. The project is based on
descriptive research design. The data was collected with OBJECTIVES OF THE STUDY
the help of a questionnaire. The questionnaire included
thirty items that belong to five categories: self- Primary Objective
image/firm-image co-incidence, accounting information, To study the various factors influencing the
neutral information, advocate recommendations and investment behavior of individual investors.
personal financial needs. The sample size considered for Secondary Objective
the study was 200 wherein all the samples were investors To study the impact of the self-image/firm image co-
of GEOJIT BNP PARIBAS FINANCIAL SERVICE LTD, incidence on the investor behavior.
COIMBATORE. The tools used for the analysis include To identify the influence of the accounting
Chi-Square Test. The analysis was divided into 2 phases information on the investor behavior.
which are Personal Factors and Behavioral Factors. The To find out the effect of the factors related to neutral
study revealed that accounting information is the most information on the investor behavior.
influencing group of the individual investor behavior and To analyze the impact of the advocate
neutral information is the least influencing group of the recommendation on the investor behavior.
individual investor behavior. It was found that there are To interpret the effect of the factors related to
also some behavioral factors like the investor’s financial personal financial needs on the investor behavior.
tolerance, emotional risk tolerance and financial literacy To study the investment pattern of the investors based
which influence the investor’s behavior. Based on the on their risk taking abilities.
analysis Suggestions for improvement are provided. To study the investment time horizon of the investors
INTRODUCTION based on their personal profile.
Factors influencing investor behavior:
SCOPE OF THE STUDY
Research in behavioral finance has important applications.
A better understanding of behavioral processes and
outcomes is important for financial planners because an
understanding of how investors generally respond to
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2. IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol. 2 No.2, April 2012
market movements should help investment advisors devise Data were collected through both primary
appropriate asset allocation strategies for their clients. and secondary data sources. Primary data was
For companies, identifying the most collected through questionnaires.
influencing factors on their investors’ behavior would
Questionnaire Design
affect their future policies and strategies would affect their
Proper care has been taken to ensure
future financial plans.
that the information needed match the objectives, which
For government, identifying the most influencing factors
in turn match the data collected through the
on investors’ behavior would affect the required
questionnaire. The basic cardinal rules of Questionnaire
legislations and the additional procedures needed in order
design like using simple and clear words, the logical and
to satisfy investors’ desires and also to give more support
sequential arrangement of questions has been taken care
to market efficiency.
of.
The research can help guide portfolio allocation
Secondary Data
decisions, both by helping us to understand the kinds of
Secondary data consist of
errors that investors tend to make in managing their
information that already exists somewhere, have been
portfolios, and also by allowing us to understand better
collected. Secondary data is collected from company
how to locate profit opportunities for investment
websites, other websites, company fact sheets, magazines
managers. Beyond this, understanding the psychological
and brochures.
foundation of human behavior in financial markets
facilitates the formulation of macroeconomic policy and
Statistical Tools
The statistical tools used for this
the devising of new financial institutions.
analysis are:
RESEARCH DESIGN Mean Score Values
Mean score values has been calculated for
The research design that is adopted in this study is the different scales used to find the perception and
descriptive design. Descriptive research is used to obtain satisfaction level of investors.
information concerning the current status of the Mean score value Analysis is calculated
phenomena to describe, "What exists" with respect to
variables or conditions in a situation. The focus of this
by
study was on revealing the various factors influencing the
individual investor behavior. No. of Respondents
Thus it involves Statement of the problem, x Score value (1)
Identification of information needed to solve the Total No. of Respondents
problem, Selection or development of instruments for Chi – Square Test
gathering the information, Identification of target Chi – Square test is a non-parametric test
population and determination of sampling procedure, of statistical significance for bi-variant tabular
Design of procedure for information collection,
analysis. A non-parametric test, like chi square, is a
Collection of information, Analysis of information and
Generalizations and/or predictions.
rough estimate of confidence.
SAMPLING DESIGN Chi-square is used most frequently to test
the statistical significance of results reported in bi-
Population variant tables and interpreting bi-variant tables is
The population for this study is investors of integral to interpreting the results of a chi-square
Geojit bnp paribas financial services limited in test.
Coimbatore city.
Null Hypothesis ( H0 )
The hypothesis, or assumption, about a
Sampling Technique population parameter we wish to test, usually an
The sampling technique used is non
probability convenience sampling. The sample frame for
assumption of the status quo.
this study is the company’s database of Coimbatore city Alternative Hypothesis (H1)
(finite universe) The conclusion we accept when the data
Survey Method fail to support the null hypothesis.
Research design includes selecting
appropriate data collection method. It can be Statistical Test
obtained by primary data or secondary data. The
Chi-Square test:-
primary data is the Questionnaire collected through (2)
Direct Personal Interview.
Sample Size Degrees of freedom = (R-1) (C-1)
The sample size for this study is 200
investors of Geojit bnp paribas financial services Where, O = Observed Frequency
limited of Coimbatore city out of entire population E = Expected Frequency
2048 which consists of 10% of the population. R = Number of rows
Sample Unit C = Number of columns
The individual investors of Geojit bnp paribas To find E
financial services limited were the target respondent Expected Frequency = (Row Total ×
groups from which the data were collected. Column Total) / Grand Total (3)
Sources of Data
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3. IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol. 2 No.2, April 2012
Level of Significance
A value indicating the percentage of
sample values that is outside certain limits,
assuming the null hypothesis is correct, that is, the
probability of rejecting the null hypothesis is
correct, that is, the probability of rejecting the null TABLE 2
hypothesis when it is true.
Educational Qualification Standard of Investors
ANALYSIS AND INTERPRETATION S.NO NO OF
The factors are analyzed under the following broad QUALIFICATION RESPONDENTS PERCENTAGE
phases: 1 School level 32 16
2 Under Graduate 84 42
PHASE I : Personal Factors
3 Post Graduate 64 32
PHASE II: Behavioral Factors 4 Others 20 10
Total 200 100
PHASE I
Personal Factors
Source: Primary Data
This phase includes the personal details of The table2 shows that out of the 200 respondents,
the investors. The factors considered are gender, nearly 16% of the investors have school level
qualification, work status, income and life stage. education whereas 42% are under graduates, 32%
are postgraduates and 10% of them have completed
PHASE II other level of education like diploma and charted
Behavioral Factors accountancy.
In this particular phase the responses for CHART 2
the various behavioral factors of the investors that QUALIFICATION STANDARD OF THE
have been considered in the questionnaire have INVESTORS
been analysed. The investors’ financial resources,
emotional risk tolerance, financial literacy level
and various other factors have been analyzed in this
phase.
PHASE I: PERSONAL FACTORS
GENDER DISTRIBUTION OF THE
INVESTORS
TABLE I
WORK STATUS OF THE INVESTORS
S.N GENDER NO OF INVESTORS PERCENTAGE TABLE 3
O WORK NO OF
1 S.NO STATUS RESPONDENTS PERCENTAGE
Male 180 90
2 1 Own Business 76 38
Female 20 10 2 Pvt company
employee 28 14
Total 200 100 3 Govt Servant 16 8
4 Student 10 5
5 Retired 56 28
Source: Primary Data 6 Others 14 7
The table1 indicates that out of the total Total 200 100
respondents, 90% were male and 10 % were
female. Majority of the investors are male. Source: Primary Data
The table 3 shows that out of the 200
CHART 1 respondents, nearly 38% of the investors are doing
their own business whereas 14% are private
GENDER DISTRIBUTION OF THE INVESTORS
company employees, 8% are government servants,
5% are students, 28% are retired persons and 7% of
the investors where included in others category
which comprises house wives and full time
investors.
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4. IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol. 2 No.2, April 2012
CHART 3
WORK STATUS OF THE INVESTORS
INVESTMENT TIME HORIZON OF THE
INVESTORS
TABLE 5
S.NO INVESTMENT TIME Source: Primary Data
HORIZON NO OF PERCENTAGE From the table5 it is found that 22.5% of the
RESPONDENTS
1 Less than 1/2 year 45 22.5 investors are very short term investors with the
2 Between ½ to 1 years 54 27
3 Between 1 to 2 years 39 19.5
investment time horizon less than 1 year, 27%
4 Between 2 to 3 years 40 20 of the investors are investing for the time
5 More than 3 years 22 11 period between 1 to 2 years, 19.5% of the
Total 200 100
respondents invest between 2 to 5 years, 20%
of them invest between 5 to 10 years and only
11% of them are investing for more than 10
years.
CHART 5
INVESTMENT TIME HORIZON OF THE
LIFE STAGE OF THE INVESTORS INVESTORS
TABLE 4
NO OF
S.NO STAGES OF LIFE RESPONDENTS PERCENTAGE
1 Below 25yrs 20 10
2 Early adulthood(25-
34yrs) 44 22
3 Middle adulthood(35-
49yrs) 60 30
4 Empty Nesters
(50+yrs) 76 38
Total 200 100
Source: Primary Data
From the table4 it is found that 10% of the
investors are single, 20% are under early
adulthood, another 20% of the respondents are INCOME OF THE INVESTORS
under middle adulthood and 22% are empty nesters
in 50+ years and 28% are retired persons. It shows TABLE 6
that the majority of the respondents are retired S.NO NO OF
persons. INCOME RESPONDENTS PERCENTAGE
1 < Rs.10000 80 40
CHART 4 2 Rs.10000 – Rs.20000 80 40
LIFE STAGE OF THE INVESTORS 3 >Rs.20000 40 20
Total 200 100
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5. IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol. 2 No.2, April 2012
TABLE 8
EMOTIONAL RISK NO OF
Source: Primary Data S.NO TOLERANCE RESPONDENTS PERCENTAGE
From the table6 it is understood that 40% of 1 Very conservative
36 18
investor’s have income < Rs 10000 per month, 2 Moderately conservative
78 39
40% of investor’s have a income between Rs.10000 3 Moderate
48 24
– Rs.20000 per month, 20% have a income of 4 Moderately Aggressive
38 19
above 20000 per month. 5 Very aggressive
0 0
CHART 6
Total 200 100
INCOME OF THE INVESTORS Source: Primary Data
18% of investor’s are very
conservative in their investments, 39% of the
respondents are moderately conservative, 24%
of the respondents are moderate risk takers,
19% are moderately aggressive and no
respondents are very aggressive towards their
investments.
FINANCIAL TOLERANCE LEVEL OF
CHART 8
THE INVESTORS EMOTIONAL TOLERANCE LEVEL OF THE
TABLE 7 INVESTORS
FINANCIAL NO OF
S.NO TOLERANCE RESPONDENTS PERCENTAGE
1 Pessimist 36 18
2 Neutral 120 60
3 Optimist 44 22
Total 200 100
Source: Primary Data
18% of investor’s are pessimist in
their attitude towards their financial resource,
60% are neutral and 22% are optimist in their RANKING OF THE RISKS OR EVENTS
attitude. THAT THE INVESTOR FEAR OR REGRET
THE MOST
CHART 7
TABLE 9
FINANCIAL TOLERANCE LEVEL OF
THE INVESTORS S.NO RISKS OR EVENTS MSV RANK
1 A loss of principal over a period of 1 year
or less 2.56 IV
2 A rate of inflation that exceeds the rate of
return over the long term
2.64 V
3 Portfolio performance that is insufficient
to meet the goals 3.64 I
4 Portfolio performance that is consistently
less than industry benchmarks 3.36 II
5 A missed investment opportunity that
could have yielded higher returns over the
long term 2.8 III
Source: Primary Data
EMOTIONAL TOLERANCE LEVEL OF The risks or events that the investor fear or regret
THE INVESTORS the most is for the Portfolio performance that is
insufficient to meet their goals. The other risks or
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Vol. 2 No.2, April 2012
events includes portfolio performance that is NEUTRAL INFORMATION MSV RANK
consistently less than industry benchmarks, a Recent price movement in a
missed investment opportunity that could have 3.98 1
firm’s stock
yielded higher returns over the long term, a loss of Current economic indicators 3.7 2
principal over a period of 1 year or less, a rate Fluctuation/developments in the
of inflation that exceeds the rate of return over 3.68 3
stock index
the long term. Statements from government
CHART 9 3.36 4
officials
RANKING OF THE RISKS OR EVENTS Information obtained from the
THAT THE INVESTOR FEAR OR REGRET 3.34 5
internet
THE MOST
Coverage in the press 3.14 6
A missed investment opportunity that could
have yielded higher returns over the long term 2.8 Government holdings 3.12 7
Portfolio performance that is consistently less
OVERALL MSV = 3.474
than industry benchmarks 3.36
Risks or Events
Portfolio performance that is insufficient to
meet the goals 3.64 Source: Primary Data
The most influencing factors under neutral
A rate of inflation that exceeds the rate of
return over the long term
2.64
information is the recent price movement in a
A loss of principal over a period of 1 year or
firm’s stock (MSV 3.98) whereas the least
2.56
less
influencing factors include Coverage in the press
(MSV 3.14) and Government holdings (MSV 3.12)
in the company.
0 1 2 3 4
MSV
FINANCIAL LITERACY LEVEL OF THE CHART 11
INVESTORS ANALYSIS OF FACTORS UNDER NEUTRAL
TABLE 10 INFORMATION
FINANCIAL NO OF
S.NO LITERACY LEVEL RESPONDENTS PERCENTAGE
1 Low 19 9.5
2 Medium 122 61
3 High 59 29.5
Total 200 100
Source: Primary Data
9.5% of investor’s are low in their financial
literacy score, 61% of the respondents are under
medium literacy level and 29.5% of the respondents
are having high financial literacy score.
CHART 10
FINANCIAL LITERACY LEVEL OF THE
INVESTORS
ANALYSIS OF FACTORS UNDER
ADVOCATE RECOMMENDATION
TABLE 12
ADVOCATE RECOMMENDATION MSV RANK
Friend or coworker recommendations 3 1
Opinions of the firm’s majority stockholders 2.96 2
Broker recommendation 2.92 3
Family member opinions 2.88 4
Source: Primary Data
OVERALL MSV = 2.94
ANALYSIS OF FACTORS UNDER NEUTRAL
INFORMATION The most influencing factor under
TABLE 11 advocate recommendation is the Friend or
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7. IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol. 2 No.2, April 2012
coworker recommendations (MSV 3) whereas ANALYSIS OF FACTORS UNDER SELF-
broker recommendation (MSV 2.92) and IMAGE/FIRM-IMAGE COINCIDENCE
family member opinions (MSV 2.88) are the
least influencing factors.
CHART 12
ANALYSIS OF FACTORS UNDER
ADVOCATE RECOMMENDATION
ANALYSIS OF FACTORS UNDER
ANALYSIS OF FACTORS WITHIN THE
ACCOUNTING INFORMATION
GROUPS
TABLE 14
ANALYSIS OF FACTORS UNDER SELF-
IMAGE/FIRM-IMAGE COINCIDENCE ACCOUNTING INFORMATION MSV RANK
TABLE 13
SELF-IMAGE/FIRM- Condition of financial statements 4.1 1
MSV RANK
IMAGE COINCIDENCE Dividends paid 4.08 2
Organized financial markets 3.98 1
Perceived ethics of firm 3.98 2 Past performance of the firm’s stock 4.06 3
Reputation of the firm 3.84 3
Expected Dividends 3.98 4
Feelings for a firm’s
3.7 4
products and services Expected corporate earnings 3.88 5
Gut feeling on the economy 3.68 5
Firm status in industry 3.58 6 Stock Marketability 3.65 6
Reputation of the firm’s Affordable share price 3.62 7
3.32 7
shareholders
“Get rich quick” 3.08 8 Source: Primary Data
Increase of the firm’s
involvement in solving 2.92 9 OVERALL MSV = 3.912
community problems
Religious reasons 2.26 10 Condition of financial statements (MSV
Source: Primary Data 4.1) is being considered as the most influencing
OVERALL MSV = 3.43 attribute under the factor accounting information
whereas Stock Marketability (MSV 3.65) and
Organized financial markets (MSV 3.98) Affordable share price (MSV 3.62) are the least
is being considered as the most influencing factors influencing factors.
on the investor behavior under the factor self- Source: Primary Data
image/firm-image coincidence whereas Increase of
the firm’s involvement in solving community OVERALL MSV = 3.912
problems (MSV 2.92)and Religious reasons (MSV
2.26) are the least influencing factors. Condition of financial statements (MSV
4.1) is being considered as the most influencing
CHART 13 attribute under the factor accounting information
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8. IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol. 2 No.2, April 2012
whereas Stock Marketability (MSV 3.65) and
Affordable share price (MSV 3.62) are the least
influencing factors.
CHART 14
ANALYSIS OF FACTORS UNDER
ACCOUNTING INFORMATION
Source: Primary Data
Calculated value = 13.186
Table value = 16.919
Therefore by using the chi-square for the above
given table, it is found that the calculated value is
less than the tabulated value. So, Ho is accepted.
1.Chi- square calculation for education and
relation between employee and management.
FINDINGS
Majority of the investors (39%) are moderately
conservative and 18% of investor’s are very
conservative in their investment, and no respondents are
very aggressive towards their investments.
Majority of the investors (27%) are short term
investors with the investment time horizon between 1 to
2 years.
There is no significant relationship between
Emotional Risk Tolerance and Gender of the investor.
There is a significant relationship between
Emotional Risk Tolerance and Work Status of the
investor.
Source: Primary Data There is a significant relationship between
Emotional Risk Tolerance and Life stage of the investor.
Ho : there is no relationship between the job There is no significant relationship between
satisfaction and age. Emotional Risk Tolerance and Income of the investors.
H1 : there is a relationship between the job There is no significant relationship between
satisfaction and age. Emotional Risk Tolerance and Financial resource
tolerance of the investors.
There is no significant relationship between
( Oi – Ei ) Financial Literacy Level and Emotional risk tolerance
Chi-square ∑ = of the investors.
Ei There is no significant relationship between
Level of significant = 5% Investment Time Horizon and Gender of the investor.
Degree of freedom = (r-1) (c-1) = 9 There is a significant relationship between
Investment Time Horizon and Qualification of the
investor.
There is a significant relationship between
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9. IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol. 2 No.2, April 2012
Investment Time Horizon and Work Status of the clients.
investor. They can provide specific industry reports
There is a significant relationship between which gives comprehensive information on
Investment Time Horizon and Life stage of the investor. various industries.
There is no significant relationship between They should devise appropriate asset allocation
Investment Time Horizon and Income of the investors. strategies for successful portfolio management
There is a significant relationship between of their clients based on their life stage,
Investment Time Horizon and Financial resource financial and emotional risk tolerance and their
tolerance of the investors. financial literacy level.
There is no significant relationship between They have to provide customized advisory
Investment Time Horizon and Financial Literacy Level services to help investors make the right
of the investors. financial moves that are specifically suited to
their portfolio.
The other findings of the study include the following: The most influencing factors were belong to
The respondents belong to different socio-economic the accounting information group so the
background in terms of age, sex marital status,
market are required to give more attention to
occupation, literacy and annual income.
these factors in order to satisfy the desires of
Majority of the investors (90%) are male. their investors and also to attract more
Majority of the investors (42%) are under graduates.
investors to deal with their stocks.
Majority of the investors (38%) are doing their own
The listed companies should provide proper
business. accounting information to the public since it is
The respondents are under different stages of life and
the most influencing factor and they have to
the majority are under retired (28%) life stage.
maintain good financial position.
From the study it was revealed that 40% of the The companies have to declare expected
investors have income of <10000 per month and
dividends to their stakeholders since it is one
another 40% of the investors have the income of
among the most influencing attribute.
Rs.10000 – Rs.20000 per month. To increase their stock marketability, they
From the study it was found that majority of the
need to review the relationship between the
investors (60%) are neutral in their financial tolerance price and demand on their stocks frequently.
and 18% are pessimist in their attitude towards their If the stock price is too high, this might make it
financial resource and 22% are optimist in their
difficult to sell, and one of the policies that can
attitude. be adopted by companies to make it more
It was found that the risks or events that the investor marketable is a stock split.
fear or regret the most is for the Portfolio The companies have to build brand image and
performance that is insufficient to meet their goals should maintain their status in the industry to
followed by portfolio performance that is consistently
get good reputation from its stakeholders.
less than industry benchmarks, a missed investment They have to follow business ethics which is
opportunity that could have yielded higher returns also an important influencing factor.
over the long term.
CONCLUSION
Majority of the investors (61%) are having medium The study entitled “Factors Influencing
literacy score and 9.5% are low in their financial the Individual Investor Behavior” would help the
literacy score, and 29.5% of the respondents are
share brokerage firms to take care of the factors
having high financial literacy score. influencing their investors and can give proper
SUGGESTIONS asset allocation strategy to their investors. The
After analyzing the various factors listed companies can also look at the most
influencing the individual investor behaviour the influencing factors and can focus much on these
following suggestions are made for better factors to attract the investors to invest in them.
understanding of the investor behavior. The study was conducted for a
Since the brokers’ recommendation is one period of 50 days. The study aimed at identifying
among the least influencing factors, the the most and the least influencing factors of the
company should go for in-depth research to individual investors. Convenience sampling
find out the reasons for it. method was used in the study and a sample size of
They should get constant feedback from the 200 investors was taken for the study. The primary
investors and have to provide sound advisory data was collected through structured
facilities to make the brokers recommendation questionnaire. The questionnaire included thirty-
as the most influencing factor. four items that belong to five categories, namely
They should give analysis about the latest self-image/firm-image coincidence, accounting
stock market trends and have to take a close information, neutral information, advocate
look at the various investment options, and recommendation and personal financial needs. The
products available in the market to their research design that is adopted in this study is
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10. IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol. 2 No.2, April 2012
descriptive design.
The data collected through questionnaire
has been analyzed using mean score value and chi-
square test. Pie charts and bar diagrams were used
in the study for better understanding.
Through this, the researcher helped the
company to know more about the factors
influencing their investors and also helped to focus
on those factors to provide better customer Service.
Majority of the respondents are influenced by the
accounting information of the companies and
advocate recommendation is the least influencing
group. Suggestions were also made for further
understanding of the investor behavior.
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