This document summarizes a study on the investment patterns of bank employees. The study analyzed how demographic factors like age, gender, income level, and education influence the investment preferences of bank workers. A questionnaire was used to collect data from bank employees, which was then analyzed using statistical tests. The results showed that most bank employees invest primarily for safety and security. Common investment vehicles included bank deposits, gold/jewelry, real estate, and government bonds. The study aims to provide guidance for personal finance and investment decisions.
Impact of Financial Knowledge of Investors Investment Making Decisionsijtsrd
The objective of the study is to find the impact of financial knowledge of investors on their investment making decisions. Investors are said to rational but due to the human nature, biasness comes into picture while making investment decisions. Financial literacy and financial knowledge are taken as an imperative terms for regulating human nature of investors while making essential investment decisions The study was conducted on 150 investors in the city of PUNE. The data was collected through structured questionnaire and data so obtained was analyzed with the help of SPSS software. Sunil Deshpande | Dr. Sanjay Patankar "Impact of Financial Knowledge of Investors Investment Making Decisions" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-4 , June 2021, URL: https://www.ijtsrd.compapers/ijtsrd42536.pdf Paper URL: https://www.ijtsrd.commanagement/accounting-and-finance/42536/impact-of-financial-knowledge-of-investors-investment-making-decisions/sunil-deshpande
AN ANALYSIS OF AWARENESS ON FINANCIAL INVESTMENT AVENUES AMONG AIRLINE EMPLOYEESIAEME Publication
In this paper, the main objective to know in which investment avenue the majority of airline employees were prefer to investing their funds such as equity, derivatives, Gold bonds, mutual funds, crypto currency, and government securities, and to find out the expectations from investment, amount of investment, the risk-bearing capacity, level of awareness among the employees with help of demographic factors. The study was conducted among airline employees from various airlines in chennai city of Tamilnadu with a sample size of 300 respondents. Descriptive research design was adopted for the study and the primary data was collected through schedule method with the help of a structured questionnaire and the sampling technique adopted was snow ball sampling technique. Data was analyzed and interpreted with the help of statistical tools like Chisquare test and percentage analysis by using SPSS software. So an attempt is made to study the different investment avenues available and the awareness level of various investment avenues among airline employees and their willingness towards investing in financial assets. The study concludes that preference of airline employees towards various investment avenues with the expectation of safety, liquidity and to secure their income generation.
A synopsis of Final research Report ON Investors' preference on various Investment Avenues in India.
A research report will be generated at the end of the final period evaluating the hypothesis of the reasearch
Evaluating the Effect of Financial Knowledge on Investment Decisions of Inves...Dr. Amarjeet Singh
This document analyzes the effect of financial knowledge on investment decisions of 200 investors from Gandhinagar District in India. It finds that urban investors have significantly higher average financial knowledge scores than rural investors, based on their answers to questions testing understanding of financial terms, risk, return, and investment avenues. A structured questionnaire was administered to 100 rural and 100 urban investors through quota sampling. Statistical analysis using mean scores, correlation, z-tests and regression found that investors with higher financial knowledge scores made more rational investment decisions based on risk and return analysis, rather than just opinions of others. The study aims to evaluate how financial knowledge impacts choice of investment options.
Evaluation Research on Development Level of Energy InternetDr. Amarjeet Singh
This document analyzes the effect of financial knowledge on investment decisions of 200 investors from Gandhinagar District in India. It finds that urban investors have significantly higher average financial knowledge scores than rural investors, based on their answers to questions testing understanding of financial terms, risk, return, and investment avenues. A questionnaire was used to collect data on demographics, financial knowledge, perceptions of risk and return of different investments, and actual investment decisions. The findings suggest that greater financial knowledge is correlated with more rational investment decisions based on risk-return analysis rather than just opinions of others.
1) The document discusses the impact of marketing financial instruments like mutual funds on younger generations. It provides an introduction to investments and financial instruments.
2) It then evaluates several mutual funds based on factors like performance history, risk, fees, size, experience, and portfolio. Younger investors are encouraged to start early, diversify, and understand their risk tolerance.
3) The conclusion is that mutual funds can help younger investors achieve long-term growth and goals if they start investing early, diversify their portfolios, and make informed decisions based on their risk tolerance. However, marketing should educate without creating unrealistic expectations.
An analysis of investors behavior while making investment decisionaamirank
This document analyzes investors' behavior when making investment decisions. It aims to understand how psychological factors like risk perception, risk propensity, and information asymmetry impact investment choices. A study model is developed to examine the effect of these independent variables on risk perception and investment decisions. The study finds that investor behavior depends on how risk is framed and how prone they are to taking risks. It concludes different investors have different investment styles based on these psychological factors. A survey was conducted of 60 investors in India to analyze how demographics, income, occupation, and other variables influence investment preferences and risk tolerance levels. The findings suggest risk aversion increases with age while income and investments are positively correlated. Occupation was also found to impact preferred investment aven
ANALYSIS OF INVESTMENT PATTERN OF MUTUAL FUNDS INVESTORS AN EMPIRICAL STUDY...Courtney Esco
This document summarizes a study on individual investors' preferences for mutual funds in Orissa, India. The study used surveys of 200 investors, of which 140 were male and 60 were female, to analyze preferences for different types of mutual funds by gender. Statistical analysis methods like chi-square tests, Spearman rank correlation, and factor analysis were used to evaluate preferences and factors affecting mutual fund selection. The study aimed to explore preferred investment avenues, determine preferences among growth, balanced, tax-saving, income/debt, index, and money market funds, and evaluate qualities affecting selection. Hypotheses about differences in preferences between male and female investors for each fund type were tested.
Impact of Financial Knowledge of Investors Investment Making Decisionsijtsrd
The objective of the study is to find the impact of financial knowledge of investors on their investment making decisions. Investors are said to rational but due to the human nature, biasness comes into picture while making investment decisions. Financial literacy and financial knowledge are taken as an imperative terms for regulating human nature of investors while making essential investment decisions The study was conducted on 150 investors in the city of PUNE. The data was collected through structured questionnaire and data so obtained was analyzed with the help of SPSS software. Sunil Deshpande | Dr. Sanjay Patankar "Impact of Financial Knowledge of Investors Investment Making Decisions" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-4 , June 2021, URL: https://www.ijtsrd.compapers/ijtsrd42536.pdf Paper URL: https://www.ijtsrd.commanagement/accounting-and-finance/42536/impact-of-financial-knowledge-of-investors-investment-making-decisions/sunil-deshpande
AN ANALYSIS OF AWARENESS ON FINANCIAL INVESTMENT AVENUES AMONG AIRLINE EMPLOYEESIAEME Publication
In this paper, the main objective to know in which investment avenue the majority of airline employees were prefer to investing their funds such as equity, derivatives, Gold bonds, mutual funds, crypto currency, and government securities, and to find out the expectations from investment, amount of investment, the risk-bearing capacity, level of awareness among the employees with help of demographic factors. The study was conducted among airline employees from various airlines in chennai city of Tamilnadu with a sample size of 300 respondents. Descriptive research design was adopted for the study and the primary data was collected through schedule method with the help of a structured questionnaire and the sampling technique adopted was snow ball sampling technique. Data was analyzed and interpreted with the help of statistical tools like Chisquare test and percentage analysis by using SPSS software. So an attempt is made to study the different investment avenues available and the awareness level of various investment avenues among airline employees and their willingness towards investing in financial assets. The study concludes that preference of airline employees towards various investment avenues with the expectation of safety, liquidity and to secure their income generation.
A synopsis of Final research Report ON Investors' preference on various Investment Avenues in India.
A research report will be generated at the end of the final period evaluating the hypothesis of the reasearch
Evaluating the Effect of Financial Knowledge on Investment Decisions of Inves...Dr. Amarjeet Singh
This document analyzes the effect of financial knowledge on investment decisions of 200 investors from Gandhinagar District in India. It finds that urban investors have significantly higher average financial knowledge scores than rural investors, based on their answers to questions testing understanding of financial terms, risk, return, and investment avenues. A structured questionnaire was administered to 100 rural and 100 urban investors through quota sampling. Statistical analysis using mean scores, correlation, z-tests and regression found that investors with higher financial knowledge scores made more rational investment decisions based on risk and return analysis, rather than just opinions of others. The study aims to evaluate how financial knowledge impacts choice of investment options.
Evaluation Research on Development Level of Energy InternetDr. Amarjeet Singh
This document analyzes the effect of financial knowledge on investment decisions of 200 investors from Gandhinagar District in India. It finds that urban investors have significantly higher average financial knowledge scores than rural investors, based on their answers to questions testing understanding of financial terms, risk, return, and investment avenues. A questionnaire was used to collect data on demographics, financial knowledge, perceptions of risk and return of different investments, and actual investment decisions. The findings suggest that greater financial knowledge is correlated with more rational investment decisions based on risk-return analysis rather than just opinions of others.
1) The document discusses the impact of marketing financial instruments like mutual funds on younger generations. It provides an introduction to investments and financial instruments.
2) It then evaluates several mutual funds based on factors like performance history, risk, fees, size, experience, and portfolio. Younger investors are encouraged to start early, diversify, and understand their risk tolerance.
3) The conclusion is that mutual funds can help younger investors achieve long-term growth and goals if they start investing early, diversify their portfolios, and make informed decisions based on their risk tolerance. However, marketing should educate without creating unrealistic expectations.
An analysis of investors behavior while making investment decisionaamirank
This document analyzes investors' behavior when making investment decisions. It aims to understand how psychological factors like risk perception, risk propensity, and information asymmetry impact investment choices. A study model is developed to examine the effect of these independent variables on risk perception and investment decisions. The study finds that investor behavior depends on how risk is framed and how prone they are to taking risks. It concludes different investors have different investment styles based on these psychological factors. A survey was conducted of 60 investors in India to analyze how demographics, income, occupation, and other variables influence investment preferences and risk tolerance levels. The findings suggest risk aversion increases with age while income and investments are positively correlated. Occupation was also found to impact preferred investment aven
ANALYSIS OF INVESTMENT PATTERN OF MUTUAL FUNDS INVESTORS AN EMPIRICAL STUDY...Courtney Esco
This document summarizes a study on individual investors' preferences for mutual funds in Orissa, India. The study used surveys of 200 investors, of which 140 were male and 60 were female, to analyze preferences for different types of mutual funds by gender. Statistical analysis methods like chi-square tests, Spearman rank correlation, and factor analysis were used to evaluate preferences and factors affecting mutual fund selection. The study aimed to explore preferred investment avenues, determine preferences among growth, balanced, tax-saving, income/debt, index, and money market funds, and evaluate qualities affecting selection. Hypotheses about differences in preferences between male and female investors for each fund type were tested.
Fiduciary or paper money is issued by the Central Bank on the basis of
computation of estimated demand for cash. Monetary policy guides the Central
Bank’s supply of money in order to achieve the objectives of price stability (or low
inflation rate), full employment, and growth in aggregate income.
Investment Preferences and Risk Level: Behavior of Salaried IndividualsIOSR Journals
The study aimed to analyze the relationship of demographic variables with the investment preferences consisting of stock investment and gambling decisions of salaried individuals of finance teachers and bankers of Gujrat and Sialkot .The questionnaires were distributed to analyze the significant differences in risk level and investment preferences by taking a sample of 120 individuals. Findings of this research indicated that females are more risk averse than males whereas young and educated people are attracted more towards new risky investment opportunities and want to invest their money but they are reluctant because of limited resources and lack of investment opportunities and absence of investment trends. In addition the emergence of frequent religious issues, non conducive economic environment and culture are found to be the main factors having negative relationship with gambling while making investment decisions.
This document summarizes a research study that examined factors affecting the savings and investment behavior of young professionals in Calapan City, Philippines. The study collected data through surveys from 134 young professionals aged 25-35. It analyzed how socio-demographic factors like age, gender, marital status and education level, economic factors like income level, and psychological factors like financial literacy, parental financial education, and peer influence impacted savings and investment behavior. Statistical tests like weighted mean, chi-square, and regression analysis were used to analyze the data. The findings provided insight into the challenges young professionals face in financial management and why many avoid diverse financial activities. The results could help financial institutions improve services for young professionals and influence long-term economic growth
A Conceptual Study on Investment Pattern Followed by Salaried WomenYogeshIJTSRD
This document summarizes a study on the investment patterns of salaried women in India. It reviews previous literature that found women prioritize protection and returns when investing. Common investment options for women included banks, gold, real estate, life insurance, and postal deposits. The current study examined the socioeconomic backgrounds and investment avenues, instruments, sources of information and influencing variables for 110 salaried women using questionnaires. It found women invest for goals like children's education and marriage while emphasizing protection and returns when choosing investments regularly. Overall, the study aimed to understand the investment patterns and decision-making factors for salaried women in India.
A Study on Factors Influencing Investment Decision Regarding Various Financia...ijtsrd
In the current era of financial inclusion, digitalization and economy driving towards a faster pace, the investors are very much concerned about their savings which can be transferred into investments. The main purpose of investment is to maximize the returns out of it with minimum expenses and risk. There are various factors which affect the investment decision like demographic factors and behavioural biases which decides the type, tenure, amount of the investment. This paper explores that return, advice, tax benefit, liquidity risk appetite of the investors altogether plays a significant part in influencing the investors. Is there any impact of demographic factors like age, gender and income on factors influencing investment decision tried to find out. The results show that factors influencing the investment decision are influenced by income level not by age and gender. Dr. Ankit Jain | Mr Raj Tandel "A Study on Factors Influencing Investment Decision Regarding Various Financial Products" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-6 , October 2020, URL: https://www.ijtsrd.com/papers/ijtsrd33678.pdf Paper Url: https://www.ijtsrd.com/management/accounting-and-finance/33678/a-study-on-factors-influencing-investment-decision-regarding-various-financial-products/dr-ankit-jain
CUSTOMER PERCEPTION TOWARDS DIFFERENT INVESTMENT AVENUSVenkatasaiMalla
1. The document analyzes customer perception towards different investment avenues based on a study of 110 respondents in India.
2. It finds that most respondents were between 20-30 years old, invested for long-term goals like retirement and children's education, and sought advice from family and magazines on investment decisions.
3. The study concluded that perceptions of different investment avenues like stocks, gold, and savings accounts varied across age groups and income levels but the decision-making process was generally similar regardless of gender. Safety, returns, and risk tolerance most influenced investment choices.
A Study on Investors Perception towards Mutual Fund Investments (With Special...Dr. Amarjeet Singh
This examination on Investors acknowledgment
towards and late improvement and headway of Mutual Fund
premiums in Alwar city goes under the board an area of
organization publicizing. In the wide thought of organization
publicizing it exclusively centers around the exhibiting of cash
related organization specifically basic resources. Well ordered
Indian budgetary market is getting the chance to be engaged
and the supply of various fiscal instruments ought to be in
parity to the premium perspectives of the monetary
authorities. The prime drive of any hypothesis is to get most
extraordinary returned with a base danger and normal
resources allow to the budgetary masters. The examination
gives an information into the sorts of risks which exist in a
mutual save plan. The data was assembled from shared save
budgetary authorities similarly as non basic store examiners of
this industry. The investigation bases on the association
between theory decision and factors like liquidity, cash related
care, and demography. It was found commonly safe resources
and liquidity of store plot are having influence on the
budgetary authority's acumen for placing assets into the
mutual save. With the more broad thought of the distinctive
components of organization publicizing, thing care, mark
tendencies, and money related authority's satisfaction are the
specific regions of the examination. The other displaying limits
like thing progression publicize division, channels of
exhibiting, thing life cycle, scale headway procedures and their
impact of Marketing are completely disposed of from the audit
of this examination. So likewise the availability of substitute
aftereffect of normal hold units and their impact on this
organization thing it also rejected in the examination. In
reality, even in the normal store monetary authorities lead also
the researcher concentrate only the urban theorists and their
anxiety for this examination work. The rustic speculator's
perspectives are totally barred from the investigation.
This document analyzes investors' perceptions towards mutual funds in India. It conducted a survey of 103 investors using convenience sampling. Statistical analysis found some associations between demographic factors and perceptions. Chi-square tests showed gender and monthly income were associated with perceptions of tax benefits and liquidity influencing investment decisions. Correlation tests also found a significant relationship between various factors influencing investors' perceptions of mutual fund performance. The study aims to better understand how different factors shape investors' views of mutual funds.
investors' perception towards investment avenues with reference to mangalore ...abhinaya19
This document discusses investors' perceptions of different investment avenues in India. It begins by introducing the importance of capital formation and investment for economic development. It then discusses how capital markets develop as economies grow. There are many financial assets or investment options available in India, each with their own strengths and weaknesses in terms of risk and return. The document aims to understand investors' preferences among these options and how demographic factors influence their decisions. It outlines the objectives, hypotheses, methodology, and limitations of the research study, which uses a survey approach to examine how gender, age, income, and other demographic variables relate to risk tolerance and investment choices.
Financial literacy for Mutual Fund Investment: An extensive study on investor...AI Publications
Peoples are always intending to invest their savings for several security purposes, but the crucial matter of concern is that where they are investing. Thinking of such investment options, capital market is a superior alternative all the time. Panic due to lack of financial knowledge about that market acts as crucial parameter in becoming the people’s choice of investment. After went over a myriad of investment choices, mutual fund would be a secure platform to invest. The main purpose of this study is to get an overview about the financial literacy level of Bangladeshi investors who invest in mutual fund and trying to assess the implication of financial literacy on investment intension. Data were collected with the help of online survey method from primary sources on the basis of a well-structured questionnaire where convenient sampling is applicable due to focus on mutual fund investors. Respondents’ financial knowledge level is evaluated by asking eleven specific questions on varied financial concepts following the G20 survey of OECD and investment intention is measured by Ajzen’s conceptual and methodological framework. Based on the descriptive statistics, Correlation is used to analyze the collected primary data. Some significant findings are uncovered like Bangladeshi investors belong to low literacy level. Study also indicates a negligible inverse relationship between financial literacy level and investment intention of investors which in turn stimulate existing investors to recommend others to invest in mutual fund due to low literacy level. So it is profound that low literate investors can be a vital key to promote mutual fund and enrich financial market of Bangladesh.
An Empirical Study On The Determinants Of An Investor S Decision In Unit Trus...Sara Alvarez
This document summarizes a research study on the factors that influence an investor's decision to invest in unit trusts in Malaysia. The study hypothesized that financial status, risk tolerance, expected investment returns, and access to investment information would significantly impact investment decisions. A survey of 202 investors found that financial status, risk tolerance, and sources of information did significantly influence investment behavior, but expected returns did not have a clear relationship. The findings help financial institutions understand investor preferences to better target customers and promote unit trust investments.
Determinants that influence the individual investor behavior in Stock MarketAbhishek Shrivastava
This document provides a literature review on factors that influence individual investor behavior in the stock market. It summarizes several past studies that examined demographic factors like age, gender, income, and psychological factors. Internal factors like risk tolerance, goals, and external factors like information, recommendations also impact decisions. The literature identifies many determinants of behavior like herding, cognitive biases, past performance, dividends. In conclusion, investor characteristics and various economic, social, psychological influences shape their stock market participation and choices.
The document is a project report submitted by Dhwani Kishor Shah to The Maharaja Sayajirao University in Vadodara, Gujarat, India. The report examines the savings and investment patterns of salaried employees. It includes sections on the introduction, objectives, rationale, limitations, research methodology, concepts of savings and investment, characteristics of investment, need and types of investment, industry profile, data and interpretation, summary and conclusions, and an attached questionnaire. The overall aim is to analyze how salaried employees in India save and invest their money.
A Study Of Financial Planning And Investment Of IndividualSandra Valenzuela
1) The document discusses a study on financial planning and investment for individuals. It aims to understand how investors can plan their financial resources and analyze short and long term goals.
2) The study found that comprehensive financial planning involves regular analysis, proper management, judgment, and actions. It allows individuals to relate their finances to goals and objectives.
3) Effective financial planning is important as it enables people to save and invest during their working years to maintain a comfortable lifestyle after retirement when working years are less than retired years.
- The document examines the awareness level and investment behavior of salaried individuals towards financial products in India.
- It finds that respondents have high awareness of traditional financial products like bank deposits and life insurance, but low awareness of newer products like mutual funds, stocks, and forex markets.
- In terms of investment behavior, the majority of respondents invest their money in traditional and safe options like bank deposits and life insurance. Few invest in riskier assets like stocks or commodities.
Impact of Age on Risk Preference and Investment Time Period of Retail Investo...ijtsrd
Stock market investments have become the most friendly and convenient form of investment for every investors age group. At present, almost everyone is investing in the stock markets. However, what type of security they invest in and what affects their investment decision depends upon several factors, which may include factors like age, gender, education, occupation, investment objective, risk appetite, income, etc. Age is one of the prominent factors influencing investment preferences not only directly but also indirectly. It is generally seen that the younger generation prefers investing in direct equity in the stock market, which is considered a risky investment, whereas people of old age are likely to invest in stable and risk free securities like debt securities and mutual funds. It is also seen that young investors prefer investing for a short period because of their impatient behavior, but as they grow old, they start holding their investments for the medium to long term. This study attempts to determine the effect of age on the risk preference and investment period choice of retail stock market participants. 256 retail investors were selected for the study from Kanpur city, and data was collected using a structured questionnaire. Chi square test, conducted under the study to determine the impact of age on the risk preference and investment period preference of retail investors. In addition to this, the value of Phi, Cramers V statistic, and the contingency coefficient were all computed so that the degree of association between the variables could be determined. The findings of this study reveal that investors age affects their risk preferences and the period for which they prefer investing. However, between age and risk preference, there was a moderate degree of association found, but in the case of age and investment period preference, the degree of association was weak. Prof. Shashi Kant Tripathi | Sameer Pandey | Smarika Mishra "Impact of Age on Risk Preference and Investment Time Period of Retail Investors of Kanpur City" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-6 , October 2022, URL: https://www.ijtsrd.com/papers/ijtsrd52162.pdf Paper URL: https://www.ijtsrd.com/humanities-and-the-arts/social-science/52162/impact-of-age-on-risk-preference-and-investment-time-period-of-retail-investors-of-kanpur-city/prof-shashi-kant-tripathi
Investment choices of individual investors in D.I.Khan, KPK province of PakistanIOSR Journals
The purpose of this study is to inquire the investment avenues of the people of D.I.Khan prefer to choose. Study showed that most of investors in the district prefer to deposit their savings at banks, post office savings & real estate. Investment choices are many & selection between them is based on investors’ objectives. Income is key factor affect risk tolerance of investor.
This document summarizes a research article that analyzes the influence of characteristics of mutual funds on investment decisions. It begins with background on mutual funds and how they pool savings from individual investors. The study aims to understand what factors drive people's decisions to invest in mutual funds by looking specifically at how characteristics of the mutual funds themselves influence those decisions. The hypotheses are that there is a positive relationship between mutual fund characteristics and investment decisions, or there is not. The methodology uses both secondary data from literature and primary data collection to test this.
The document discusses a student research project on the primary market. It provides definitions of the primary market as dealing with the issuance and sale of new securities directly from the issuer to investors. Companies, governments, and public institutions can raise funds through new stock or bond issues in the primary market. The objectives of the study are to understand investor preferences for different sectors/industries, factors affecting decisions in new primary issues, and major information sources for investors. The methodology and findings of the study are also summarized.
The document provides instructions for requesting and completing an assignment writing request on the HelpWriting.net platform. It outlines a 5-step process: 1) Create an account with a password and email. 2) Complete an order form with instructions, sources, and deadline. 3) Review bids from writers and select one. 4) Review the completed paper and authorize payment. 5) Request revisions to ensure satisfaction, with refund available for plagiarized work.
How To Write About The Theme Of A Book CovBryce Nelson
There are several ways for college students to be more environmentally friendly while living on their own for the first time. Key ways include recycling paper, plastic, aluminum, and electronics. Students can also save water by taking shorter showers and turning off appliances when not in use. Going green in small ways like these helps take care of the earth and can become good habits for life.
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Fiduciary or paper money is issued by the Central Bank on the basis of
computation of estimated demand for cash. Monetary policy guides the Central
Bank’s supply of money in order to achieve the objectives of price stability (or low
inflation rate), full employment, and growth in aggregate income.
Investment Preferences and Risk Level: Behavior of Salaried IndividualsIOSR Journals
The study aimed to analyze the relationship of demographic variables with the investment preferences consisting of stock investment and gambling decisions of salaried individuals of finance teachers and bankers of Gujrat and Sialkot .The questionnaires were distributed to analyze the significant differences in risk level and investment preferences by taking a sample of 120 individuals. Findings of this research indicated that females are more risk averse than males whereas young and educated people are attracted more towards new risky investment opportunities and want to invest their money but they are reluctant because of limited resources and lack of investment opportunities and absence of investment trends. In addition the emergence of frequent religious issues, non conducive economic environment and culture are found to be the main factors having negative relationship with gambling while making investment decisions.
This document summarizes a research study that examined factors affecting the savings and investment behavior of young professionals in Calapan City, Philippines. The study collected data through surveys from 134 young professionals aged 25-35. It analyzed how socio-demographic factors like age, gender, marital status and education level, economic factors like income level, and psychological factors like financial literacy, parental financial education, and peer influence impacted savings and investment behavior. Statistical tests like weighted mean, chi-square, and regression analysis were used to analyze the data. The findings provided insight into the challenges young professionals face in financial management and why many avoid diverse financial activities. The results could help financial institutions improve services for young professionals and influence long-term economic growth
A Conceptual Study on Investment Pattern Followed by Salaried WomenYogeshIJTSRD
This document summarizes a study on the investment patterns of salaried women in India. It reviews previous literature that found women prioritize protection and returns when investing. Common investment options for women included banks, gold, real estate, life insurance, and postal deposits. The current study examined the socioeconomic backgrounds and investment avenues, instruments, sources of information and influencing variables for 110 salaried women using questionnaires. It found women invest for goals like children's education and marriage while emphasizing protection and returns when choosing investments regularly. Overall, the study aimed to understand the investment patterns and decision-making factors for salaried women in India.
A Study on Factors Influencing Investment Decision Regarding Various Financia...ijtsrd
In the current era of financial inclusion, digitalization and economy driving towards a faster pace, the investors are very much concerned about their savings which can be transferred into investments. The main purpose of investment is to maximize the returns out of it with minimum expenses and risk. There are various factors which affect the investment decision like demographic factors and behavioural biases which decides the type, tenure, amount of the investment. This paper explores that return, advice, tax benefit, liquidity risk appetite of the investors altogether plays a significant part in influencing the investors. Is there any impact of demographic factors like age, gender and income on factors influencing investment decision tried to find out. The results show that factors influencing the investment decision are influenced by income level not by age and gender. Dr. Ankit Jain | Mr Raj Tandel "A Study on Factors Influencing Investment Decision Regarding Various Financial Products" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-6 , October 2020, URL: https://www.ijtsrd.com/papers/ijtsrd33678.pdf Paper Url: https://www.ijtsrd.com/management/accounting-and-finance/33678/a-study-on-factors-influencing-investment-decision-regarding-various-financial-products/dr-ankit-jain
CUSTOMER PERCEPTION TOWARDS DIFFERENT INVESTMENT AVENUSVenkatasaiMalla
1. The document analyzes customer perception towards different investment avenues based on a study of 110 respondents in India.
2. It finds that most respondents were between 20-30 years old, invested for long-term goals like retirement and children's education, and sought advice from family and magazines on investment decisions.
3. The study concluded that perceptions of different investment avenues like stocks, gold, and savings accounts varied across age groups and income levels but the decision-making process was generally similar regardless of gender. Safety, returns, and risk tolerance most influenced investment choices.
A Study on Investors Perception towards Mutual Fund Investments (With Special...Dr. Amarjeet Singh
This examination on Investors acknowledgment
towards and late improvement and headway of Mutual Fund
premiums in Alwar city goes under the board an area of
organization publicizing. In the wide thought of organization
publicizing it exclusively centers around the exhibiting of cash
related organization specifically basic resources. Well ordered
Indian budgetary market is getting the chance to be engaged
and the supply of various fiscal instruments ought to be in
parity to the premium perspectives of the monetary
authorities. The prime drive of any hypothesis is to get most
extraordinary returned with a base danger and normal
resources allow to the budgetary masters. The examination
gives an information into the sorts of risks which exist in a
mutual save plan. The data was assembled from shared save
budgetary authorities similarly as non basic store examiners of
this industry. The investigation bases on the association
between theory decision and factors like liquidity, cash related
care, and demography. It was found commonly safe resources
and liquidity of store plot are having influence on the
budgetary authority's acumen for placing assets into the
mutual save. With the more broad thought of the distinctive
components of organization publicizing, thing care, mark
tendencies, and money related authority's satisfaction are the
specific regions of the examination. The other displaying limits
like thing progression publicize division, channels of
exhibiting, thing life cycle, scale headway procedures and their
impact of Marketing are completely disposed of from the audit
of this examination. So likewise the availability of substitute
aftereffect of normal hold units and their impact on this
organization thing it also rejected in the examination. In
reality, even in the normal store monetary authorities lead also
the researcher concentrate only the urban theorists and their
anxiety for this examination work. The rustic speculator's
perspectives are totally barred from the investigation.
This document analyzes investors' perceptions towards mutual funds in India. It conducted a survey of 103 investors using convenience sampling. Statistical analysis found some associations between demographic factors and perceptions. Chi-square tests showed gender and monthly income were associated with perceptions of tax benefits and liquidity influencing investment decisions. Correlation tests also found a significant relationship between various factors influencing investors' perceptions of mutual fund performance. The study aims to better understand how different factors shape investors' views of mutual funds.
investors' perception towards investment avenues with reference to mangalore ...abhinaya19
This document discusses investors' perceptions of different investment avenues in India. It begins by introducing the importance of capital formation and investment for economic development. It then discusses how capital markets develop as economies grow. There are many financial assets or investment options available in India, each with their own strengths and weaknesses in terms of risk and return. The document aims to understand investors' preferences among these options and how demographic factors influence their decisions. It outlines the objectives, hypotheses, methodology, and limitations of the research study, which uses a survey approach to examine how gender, age, income, and other demographic variables relate to risk tolerance and investment choices.
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Stock market investments have become the most friendly and convenient form of investment for every investors age group. At present, almost everyone is investing in the stock markets. However, what type of security they invest in and what affects their investment decision depends upon several factors, which may include factors like age, gender, education, occupation, investment objective, risk appetite, income, etc. Age is one of the prominent factors influencing investment preferences not only directly but also indirectly. It is generally seen that the younger generation prefers investing in direct equity in the stock market, which is considered a risky investment, whereas people of old age are likely to invest in stable and risk free securities like debt securities and mutual funds. It is also seen that young investors prefer investing for a short period because of their impatient behavior, but as they grow old, they start holding their investments for the medium to long term. This study attempts to determine the effect of age on the risk preference and investment period choice of retail stock market participants. 256 retail investors were selected for the study from Kanpur city, and data was collected using a structured questionnaire. Chi square test, conducted under the study to determine the impact of age on the risk preference and investment period preference of retail investors. In addition to this, the value of Phi, Cramers V statistic, and the contingency coefficient were all computed so that the degree of association between the variables could be determined. The findings of this study reveal that investors age affects their risk preferences and the period for which they prefer investing. However, between age and risk preference, there was a moderate degree of association found, but in the case of age and investment period preference, the degree of association was weak. Prof. Shashi Kant Tripathi | Sameer Pandey | Smarika Mishra "Impact of Age on Risk Preference and Investment Time Period of Retail Investors of Kanpur City" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-6 | Issue-6 , October 2022, URL: https://www.ijtsrd.com/papers/ijtsrd52162.pdf Paper URL: https://www.ijtsrd.com/humanities-and-the-arts/social-science/52162/impact-of-age-on-risk-preference-and-investment-time-period-of-retail-investors-of-kanpur-city/prof-shashi-kant-tripathi
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34. A Study Of The Invesement Pattern Of Bank Employees
1. Proceedings of International Conference on Management Finance Economics
July 11-12, 2015, ISBN:9788193137307
156
A STUDY OF THE INVESTMENT PATTERN OF BANK
EMPLOYEES
K.V.Ramanathan, Dr.K.S.Meenakshisundaram
Ph.D Research Scholar, SCSVMV University, Kancheepuram, India
Professor & Director, CAA, Great Lakes Institute of Management, Chennai, India
ABSTRACT
Financial Investments are the commitments which are
made with any financial and non-financial
instruments hoping for a better and profitable return
in the future for a specific objective. The financial
and non-financial products act as an avenue for
investment and provide the security to the respondents
based on the risk-return profile of the products. Out of
the available choices for investment, one must select
the most appropriate and the best one. The person
investing should be aware of all the investment
choices and how these can be chosen for the purpose
of attaining the objective. In the present research an
attempt to analyse the significance of selected
demographic factors such as age, gender, marital
status, educational qualification, occupation and
income level of the respondents working in a bank
towards their investment preference on products such
as Real Estate, Gold / Jewellery, Bank deposit,
Government Bonds, Share market, Commodity
market, Mutual Fund, Life Insurance policies and
Post office savings. Further, also to find out the
significance of demographic factors of the
respondents and elements of investment decision like
period of investment and information source. The data
were collected through a structured questionnaire and
analysed using percentage, chi-square test and Karl
Pearson’s correlation coefficient. The results of
research indicate that majority of the respondents are
saving money for their safety and the results of the
study would be of a guide for personal finance and
investment.
KEYWORDS: Investment, demographic factors,
Investment avenues, Preferred Investment, Risk &
Return, Income, Bank employees.
INTRODUCTION
Investment refers to deployment of surplus funds or
savings with an aim of some positive rate of return in
future and in general it is from the savings with hope
of getting better profitable benefits in future. The
spectrum for investment is vast today, which
comprises of financial and non- financial products.
Financial products comprises of bank deposits, share
market, commodity market, insurance, post office
schemes and other bonds. Non-financial products
comprises of real estate and gold / Jewellery. Some of
the investment instruments are highly risky while few
others are almost risk free. Similarly some of the
instruments are marketable and liquid while others are
non-marketable. The selection of investment would
depend on the specific need, rate of return and risk
preference of the respondents and the degree of risk
and return varies for different investment avenues.
The aim of Investment is to multiply the money at
various rates depending upon the term of the
investment.A thorough understanding of core
concepts and the available options will help the
investor to plan for maximum returns without risk.
This study helps in analyzing the saving pattern and
investment preferences of the bank employees
towards various products based on demographic
factors.
REVIEW OF LITERATURE
R Sreepriya& P Gurusamy (2013) studied the
investment pattern of salaries people in the district of
Coimbatore with a sample of 150 respondents and
concluded that majority of the respondents are
educated up to college level and they are aware of the
investment avenues. It was also concluded that most
of the respondents prefers long term investment and
bank deposits was the most preferred investment.
They have not faced any problem on their
investments. The study also emphasized that the there
was a significant relationship between education
qualification and fulfillment level of the respondents.
B.N.Panda&J.K.Panda (2013) carried out a
comparative study on the relevance of demographic
factors in investment decisions with respondents from
education sector. A convenient sample of 175
respondents from Bhubaneshwar was selected. The
study revealed that demographic variable such as age,
gender; education and occupation have no significant
relations with the period of investments made by the
investor. It also disclosed that there is significant
relationship exist between the demographic factors
such as gender, education, occupation, annual income
and savings with the sources of awareness with the
analysis of investment avenues. Investor’s choice was
more or less equally distributed between physical
2. Proceedings of International Conference on Management Finance Economics
July 11-12, 2015, ISBN:9788193137307
157
assets and financial assets. It also conveyed that no
significant relation exist with the demographic
variables of age and family size.
VarshaVirani (ISSN 2277-1166, Volume No.2 Issue
No.4) undertook a study on saving and investment
pattern of school teacher in Rajkot city, Gujarat with a
sample of 100 school teachers and concluded that
most of the teachers prefer Bank Fixed deposit and
government securities as their investment option.
High interest rates as well as safety have been
considered as the main criteria for investment. It also
revealed that high rate of return and tax benefit has
influenced the investment decision of the respondents.
There was a lack of awareness about equity and
mutual fund as avenues of investment. It also revealed
that most of the teachers are saving their money for
children’s education, marriage and to fulfill the other
goals of life.
PuneetBhushanSood&YajuluMeduryanalysed the
investment preferences of salaried individuals towards
financial products with a sample of 200 respondents
from Delhi, Gurgaon and Noida. The analysis
revealed that respondents earning between Rs.10 and
Rs.15 lakhs prefer in avenues where more returns are
offered and also more risky, whereas respondents
whose earnings are less than Rs.2 Lacs prefer sage
investment instruments. They also concluded that
male respondents preferred life insurance and mutual
funds whereas female respondents preferred market
investments and recurring deposits. Government
employees prefer safe investment whereas Private
employees prefer to take more risky investments
which produce more returns. It was also proved that
investment preferences are not affected by age,
gender, income, marital status and employment status
of the respondents.
SumanChakraborty&Sabat Kumar Digalhas
carried out a study on saving and investment
behaviour of individual households in Orissa with a
sample of 200 respondents who has invested in
mutual fund schemes and whose yearly income is less
than Rs.10 lacs was considered. The study revealed
that there is a relationship between the saving
objectives with the income level, age and occupation
of the small and medium household respondents.
Fixed deposits and investment in real estates was the
popular savings of the male respondents while female
respondents prefer real estate and bullion. It also
revealed that government sponsored small saving
schemes has got a better acceptance among both the
male and female respondents. Salaried and self-
employed would save for their retirement as
compared to entrepreneur, who prefers to keep more
liquid funds for future contingencies.
Brahma Bhatt, P.S.RaghuKumari& Sharmira
Malekar (2012) has conducted a study on the investor
behaviour on investment avenues in Mumbai with a
sample of 100 respondents. The study revealed that
people invest in stock market as compared to any
other avenues, even though they face huge losses. It
was also evident from the study that investor prefers
savings and safety but at the same time they want
higher interest at low risk in shorter span. They study
also concluded that most of the respondents possess
higher educational qualification and opt for two or
more sources of information to make investment
decision. It also stated that most of the respondents
discuss with their family and friend before making
investment and the respondents decisions are based on
their own initiative. Female respondents are attracted
towards gold than any other avenues.
UjwalaBairagi&CharuRastogi (2013) has carried
out an empirical study on the saving pattern and
investment preferences of individual household in the
city of Pune with a sample of 526 respondents. The
study concluded that majority of the respondents had
a high degree of awareness towards bank deposits and
real estates as an investment avenues. Gender has no
effect or influence on the level of awareness. Salaried
employees had better awareness of the investment
avenues than any other occupational categories.
Safety of the investment and income were the main
objectives of the respondents followed by liquidity
and marketability, capital appreciation and tax
benefits. It was also concluded that most of the
respondents are able to save substantially from their
annual income and are in a position to make
investment.
OBJECTIVES OF THE STUDY
From the above literature review, it may be seen that
the studies in respect of Investment pattern with
reference to bank employees were not made earlier.
Hence an attempt has been made in this to study and
analyze the investment pattern of the banking
professionals with the following objectives:
1. To study the profile of the respondents.
2. To study the sources of motivation for investment
3. To find out the relationship between the Income
and Investment.
4. To analyse the investment pattern of bank
employees.
3. Proceedings of International Conference on Management Finance Economics
July 11-12, 2015, ISBN:9788193137307
158
5. To find out the association between income of the
respondents and investment pattern of the
respondents.
RESEARCH METHODOLOGY
It is a known and established fact that, any research
has to be validated based on the systematic collection
and analyzing the data. For this study survey method
was adopted to collect the primary information from
the employees using a well-structured pre tested
questionnaire. The primary data was collected from
130 respondents employed in a bank in Chennai. The
secondary data was collected from internet websites,
journals, newspapers, magazines, etc. The collected
data were analyzed with Percentage, Cross tabulation
and percentage difference analysis, Chi-square Test
and Karl Pearson’s Correlation coefficient.
Hypothesis
Ho: There is no significant relationship between the
Income of the respondents and investment made by
the respondents.
Ho: There is no significant relationship between
demographic factors of the respondents and the basis
of Investment made by the respondents.
Ho: There is no significant association between
income category and basis of investment of the
respondents.
Ho: There is no significant association between
investment category and basis of investment of the
respondents.
Demographic profile of the respondents
Table-1, gives the summary of the demographic
characteristics of the respondents.
Analyzing the demographic variables in the Table-1,
it may be observed that 81% of the respondents are
male and the remaining female. 48% of the
respondents fall in the category of 31-40 years and
31% of the respondents are in 41-50 years category.
Around 88% of the respondents are married. Out of
the total respondents, 40% are post graduates and 33
% of the respondents and professionally qualified.
More than 75% of the respondents are from the
middle management and 62% of the respondents lived
in nuclear family set up.
Table 1 - Demographic profile of the respondents
Variable No of
employees
%
Gender Male 129 81
Female 31 19
Age 21-30 19 12
31-40 76 48
41-50 50 31
51-60 15 9
Marital
Status
Single 20 12
Married 140 88
Educational
Qualification
Graduate 52 33
Post Graduate 64 40
Professional 44 27
Grade Junior
Management 27 17
Middle
Management 120 75
Senior
Management 13 8
Family Nuclear 99 62
Joint 61 38
Distribution of Income, Investment, Objective,
Source of motivation & time horizon preferred by
the respondents.
Preference towards investment in Table - 2 indicates
that more than 40 % of the respondents found to earn
Rs.5-10 Lacs and 21% were found to earn between
Rs.10-15 Lakhs per annum. Further, 52% of the
respondents invest up to Rs.2.5 Lacs annually and
29% of the respondents invest between Rs.2.5 and
Rs.5 Lacs category per annum. Out of the total
respondents, 32% each of the respondents prefers to
invest in 1-2 year and 26% prefer to invest in 2-3 year
category as time horizon and 22 % prefers long term
investment of more than 6 years. 46% of the
respondents have Tax Planning as their objective and
16% and 15% of the respondents have invested with
an objective of Asset creation and Habit respectively.
For 31% of the respondents, friends and relatives
were the source of motivation and financial news and
Colleagues take the second and third position with
26% and 18% respectively.
Table 2 Distribution of Income, Investment,
Objective, Source of Motivation & Time Horizon
Preferred By the Respondents
Variable No of
employees
%
Income < Rs.5L 41 26
Rs.5-10 L 71 44
4. Proceedings of International Conference on Management Finance Economics
July 11-12, 2015, ISBN:9788193137307
159
Variable No of
employees
%
Rs.10-15 L 33 21
> Rs.15 L 15 9
Investment < Rs.2.5 L 84 52
Rs.2.5-5 L 46 29
Rs.5-7.5 L 14 9
> Rs.7.5 L 16 10
Objective Habit 24 15
Family Income 15 9
Tax Plan 73 46
Extra
Income
8 5
Asset Creation 25 16
Future
Requirement
15 9
Motivation
Source
Self 3 2
Friends &
Relatives 50
31
Colleagues 28 18
Financial
News 41
26
Market
Reference 10
6
Opinion
Leader 2
1
Family
Members 26
16
Time
Horizon
< 1 year 7 4
1-2 years 51 32
2-3 years 41 26
-6 Years 26 16
> 6 years 35 22
Pearson correlation of coefficient between Income
and Investment
Following are the details:
X – Income of the respondents & Y – Investment of
the respondents
X = 1455.31; X2
= 20984.50; N = 160
Y = 543.63; Y2
= 4972.98; XY = 8345.08
r = NXY- (X)(Y)/ X2
- (X)2
] Y2
-
(Y)2
]
r = 0.69097
Relationship between the variable was found by using
Pearson correlation coefficient method. Positive
correlation exists between the variables Income and
Investment. There is strong relationship between the
variables.
Relationship between Income and Investment
Table 3 - Association between Income and
Investment
<
Rs.2.5Lacs
Rs.2.5-
5Lacs
Rs.5-7.5
Lacs
>Rs.7.5
Lacs
Total
<Rs.5L 32 6 1 2 41
5-10L 43 19 4 5 71
10-15 8 16 5 4 33
15L 1 5 4 5 15
Grand
Total 84 46 14 16 160
From Table-3 above, it is evident that maximum
respondents have invested less than Rs.2.5 lacs per
annum and least number of respondents under Rs.5 –
Rs.7.5 Lacs the category.
On applying chi-square test for the above data, it
could be seen that calculat 2
is 44.232
where degree of freedom is 9 as against the tabulated
2
of 16.919 at 95% of confidence level.
Since the calculated value is more than the tabulated
2
we conclude that Ho is rejected. Hence
there is significant relationship between Income
and Investment.
Association between demographic variables and
basis of investment are made by the Investors.
Table-4 Observed details between demographic
variables and basis of investment
Basis
of
Investment
Market
Value
Asset
Creation
ROI
Value
Invest
Total
Age 21-30 1 6 11 1 19
31-40 7 32 29 8 76
41-50 6 17 24 3 50
51-60 1 8 4 2 15
5. Proceedings of International Conference on Management Finance Economics
July 11-12, 2015, ISBN:9788193137307
160
Basis
of
Investment
Market
Value
Asset
Creation
ROI
Value
Invest
Total
Total 15 63 68 14 160
Gender Male 15 50 51 13 129
Female 0 13 17 1 31
Total 15 63 68 14 160
Marital
Status
Single 1 8 10 1 20
Married 14 55 58 13 140
Total 15 63 68 14 160
Edu
Qual
Grad 4 14 29 5 52
PG 4 30 24 6 64
Prof 7 19 15 3 44
Total 15 63 68 14 160
Income < Rs.5L 2 11 28 0 41
Rs.5-10L 5 30 26 10 71
Rs.10-
15L
5 17 9 2 33
> Rs.15L 3 5 5 2 15
Total 15 63 68 14 160
Investmen
t
< Rs.2.5L 5 35 39 5 84
Rs.2.5-5L 3 18 19 6 46
Rs.5-7.5L 2 4 5 3 14
> Rs.7.5L 5 6 5 0 16
Total 15 63 68 14 160
From Table – 4 it is evident that most of the investors
select their investment based on the Return on
Investment and Asset creation has taken the second
position.
Table -5 Relationship between demographic
factors and basis of investment
Demographic
Profile
Chi-
square
Value
Dof Tab
Value
Sig or
not
Sig
Age 6.344 9 16.919 Not
Sig
Gender 6.387 3 7.815 Not
Sig
Marital
Status
1.139 3 7.815 Not
Sig
Edu 9.475 6 12.592 Not
Demographic
Profile
Chi-
square
Value
Dof Tab
Value
Sig or
not
Sig
Qual Sig
Income 23.062 9 16.919 Sig
Investment 17.159 9 16.919 Sig
Table- 5 shows that, chi-square test at 5 % level of
significance has been conducted using the data
collected to verify the significant relationship between
demographic factors and the basis of investment of
the respondents. The results of the analysis elucidates
that the variable like Income and Investment are
significantly associated with the basis of investment,
whereas variables like age, gender, marital status and
educational qualification is not significantly
associated with the basis of investment.
SALIENT FINDINGS
1. Out of the total respondents, 81% of the
respondents are male and 48% of the respondents
were found to be in the category of 31-40 years of
age.
2. Out of the respondents, 88% of the respondents
are married and 75% of the respondents are from
the middle management.
3. 45% of the respondents are in the income group
between Rs.5 – 10 Lacs and 59% of the
respondents invest less than Rs.2.5 Lacs per
annum.
4. Tax planning is the main objective of the
respondents and for them it was found that their
friends and relatives are the main source of
motivation (31%).
5. Positive correlation exists between the variables
Income and Investment. There is strong
relationship between the variables.
6. It is proved by chi-square test that there is
significant relationship exist between income and
investment of the respondents.
7. It is also found by chi-square test that the
variables like Income and Investment are
significantly associated with the basis of
investment
8. Demographic variables like age, gender, marital
status and educational qualification are not
6. Proceedings of International Conference on Management Finance Economics
July 11-12, 2015, ISBN:9788193137307
161
significantly associated with the basis of
investment.
9. It is found that Income category and investment
category are significantly associated with the
basis of investment.
10. Based on income category, 68.3% of the
respondents with less than Rs.5 Lacs
income,investbased on the Return on Income.
11. Based on Income category, 42.3% of the
respondents with Rs.5-10 Lacs income, Asset
creation were the preferred basis for investment.
12. Based on the Investment category, respondents
with more than Rs.7.5 lacs preferredasset creation
as their basis of investment and rest all categories
prefer Return on Investment as their basis of
investment.
CONCLUSION
This research study was conducted to understand the
basis of selection of investment of bank employees
and also to know their level of awareness towards
selection basis for investments. Income and
Investment are positively correlated and there is
strong relationship between income and investment.
The study also revealed that the respondents are aware
about the selection basis of investment and would
prefer investment where return on investment is good
and also good investment which help in asset creation
for their future. The study also helps to obtain the
general views of the investor perception over various
investment products. Most of the respondents invest
in tax saving investments such as life insurance
products. It is also suggested that awareness program
should have to be conducted to educate the
respondents towards capital market investment. By
conducting these awareness programs, the climate of
investment would become very congenial and
attractive. This research will also guide the investment
firms to identify the right respondents and to offer
their investment instruments and decide their policies
accordingly.
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