This document summarizes a study on the investment perspectives of salaried people working in the private sector. It analyzes data collected through surveys of 50 salaried employees, with equal numbers of male and female respondents. The study finds that most respondents are married, between 41-50 years old, graduate level educated and working as executives. It analyzes differences in income, savings, investment amounts and avenues between male and female respondents. Most male respondents invest primarily in stock markets, mutual funds and real estate, while most female respondents invest in government securities.
The newsletter discusses the strong growth in the stock market from the previous Diwali to the current Diwali. It notes that analysts believe the bull run will continue for the next 4-5 years, though returns may slow. It advises remaining invested in equities but choosing the right mix of stocks and funds. It also profiles ESG funds, flexicap funds, and business cycle funds as good investment options in the current market. It highlights the inspiring story of an investor who achieved his goal of accumulating over Rs. 1 crore through systematic SIP investments over 10 years for his daughter's education.
This newsletter discusses the market reaction to rising COVID cases in April 2021. It summarizes that key indices like Nifty and Sensex saw high volatility as some investors believed cases would peak soon while others feared rising deaths. Overall, indices ended about where they started. It notes that while foreign investors were net sellers, domestic investors were net buyers, indicating greater local faith in managing the crisis. The newsletter also provides an inspiring case study of a 37-year old investor who started SIP at age 27 and has accumulated around Rs. 82 lacs, emphasizing the power of compound interest and disciplined long-term investing. It recommends dynamic asset allocation funds to help navigate volatility.
The newsletter provides an overview of the Indian stock market performance from the previous Diwali to the current Diwali. It notes that the Nifty grew 45% and Sensex grew 41% over this period. While analysts believe the bull run will continue for the next 4-5 years, returns may slow and investors should focus on choosing the right mix of stocks and funds. The newsletter discusses ESG funds, flexicap funds, and business cycle funds as good investment options. It also profiles a case study of an individual who achieved his financial goal of accumulating Rs. 1 crore through consistent SIP investments over 10 years.
During the last 15 years more than $800 billion dollars has been contributed to index funds. At Selective we believe there are many limitations to these products and don't truly capture the heart of investing - business ownership. To learn more go through the presentation. If you would like more content like this visit us at www.selectivewm.com or contact us at info@selectivewm.com
The newsletter discusses the strong growth in the stock market from the previous Diwali to the current Diwali. It notes that analysts believe the bull run will continue for the next 4-5 years, though returns may slow. It advises remaining invested in equities but choosing the right mix of stocks and funds. It also profiles ESG funds, flexicap funds, and business cycle funds as good investment options in the current market. It highlights the inspiring story of an investor who achieved his goal of accumulating over Rs. 1 crore through systematic SIP investments over 10 years for his daughter's education.
This newsletter discusses the market reaction to rising COVID cases in April 2021. It summarizes that key indices like Nifty and Sensex saw high volatility as some investors believed cases would peak soon while others feared rising deaths. Overall, indices ended about where they started. It notes that while foreign investors were net sellers, domestic investors were net buyers, indicating greater local faith in managing the crisis. The newsletter also provides an inspiring case study of a 37-year old investor who started SIP at age 27 and has accumulated around Rs. 82 lacs, emphasizing the power of compound interest and disciplined long-term investing. It recommends dynamic asset allocation funds to help navigate volatility.
The newsletter provides an overview of the Indian stock market performance from the previous Diwali to the current Diwali. It notes that the Nifty grew 45% and Sensex grew 41% over this period. While analysts believe the bull run will continue for the next 4-5 years, returns may slow and investors should focus on choosing the right mix of stocks and funds. The newsletter discusses ESG funds, flexicap funds, and business cycle funds as good investment options. It also profiles a case study of an individual who achieved his financial goal of accumulating Rs. 1 crore through consistent SIP investments over 10 years.
During the last 15 years more than $800 billion dollars has been contributed to index funds. At Selective we believe there are many limitations to these products and don't truly capture the heart of investing - business ownership. To learn more go through the presentation. If you would like more content like this visit us at www.selectivewm.com or contact us at info@selectivewm.com
This document provides an overview of the DSP Mid Cap Fund, including:
- The fund invests primarily in mid-cap stocks, with about 2/3 in mid-caps and 1/3 in large and small caps.
- The investment philosophy focuses on identifying durable businesses run by able managers that generate high sustainable returns on equity.
- The fund uses a three pillar investment framework to identify companies based on their business model, management quality, and reasonable valuation.
- Over time the fund aims to generate alpha by investing in quality businesses with good growth potential, while also mitigating risks through a robust investment process.
We initiate coverage of Exista with a Buy rating and a target price of ISK 38.1 per share, implying upside potential of 25% from the current share price. We believe Exista has positioned itself well through its strategic holdings in Sampo and Kaupthing, which provide opportunities for expansion into the Nordic financial market. The operational arm gives Exista steady cash flow and reserves to support its investment activities. While market risk and concentration risk are concerns, we are optimistic about recovery in financial markets and opportunities for Exista.
This document discusses a descriptive study of mutual funds and investors' perceptions about investing in mutual funds. It provides an overview of the mutual fund industry and how mutual funds work. It discusses the different types of mutual funds and risks associated with them. The objectives and timeline of the study are outlined. Research methodology, sample design, data analysis and findings are presented. Limitations and scope for further study are also discussed along with recommendations. A sample questionnaire used for the study is included.
SBI Emerging Business Fund: An Equity Mutual Fund Scheme - Nov 17SBI Mutual Fund
SBI Emerging Business Fund focuses on emerging businesses and invests in companies that are considered emergent. It has the flexibility to invests across market caps. SBI Emerging Business Fund may invests into large, mid and/or small cap stocks in any proportion based on the market conditions making the most of various market phases. Visit SBI Mutual Fund to know more this fund at https://www.sbimf.com/en-us/equity-schemes/sbi-emerging-businesses-fund
Workshop 2: Tipping Point Analysis Preview ("From the Fund Management Jungle:...Koon Boon KEE
1) The document discusses the concept of "catalysts" and "tipping points" in investing, and argues that waiting for catalysts can be risky as many purported catalysts are actually false signals created by insiders to manipulate stock prices.
2) It provides examples of how serious institutional investors like Norway's sovereign wealth fund analyze business model dynamics and tipping points, rather than focusing on short-term catalysts.
3) The document uses examples from index inclusions and deletions to illustrate how catalysts may not always reflect underlying business fundamentals and prospects. Understanding intra-industry effects is also important.
why standard valuation matrix is not the best way to value great businessesperfectresearch
The presentation is an attempt to collate thoughts on the investment process we follow from the Gurus, Mentors and Friends we follow along with our own experience in this field.
*Disclaimer*
1. We are not SEBI registered analysts
2. Educational post only and not a stock recommendation
3. We take no responsibility to keep updating about the business being discussed
4. We may or may not own a position in any of the businesses being discussed and even if we do own a position, we may change our mind due to change in any facts or circumstances
5. Plz consider this post only as a framework to keep tracking businesses and understanding them
This document provides information on the DSP Midcap Fund, an open-ended equity scheme that predominantly invests in midcap stocks. The fund aims to generate long-term capital growth by investing in equity and equity-related securities of midcap companies. It follows a bottom-up stock selection process focused on quality companies with strong growth potential. The top 10 holdings are diversified across various sectors such as industrial products, banks, pharmaceuticals, and others. The document highlights the investment strategy, portfolio characteristics and risks associated with investing in midcap stocks.
This document presents the findings of a study on the investment behavior of youth. It analyzes data collected through questionnaires from 50 young investors regarding their preferences, awareness, and decisions around various investment instruments like savings accounts, mutual funds, insurance, real estate etc. The study finds that saving accounts are the most preferred investment followed by mutual funds. It also finds that there is a general lack of knowledge about mutual funds among youth investors. The document makes recommendations to improve transparency and simplify procedures related to mutual fund investments.
A project report on technical analysis at share khanBabasab Patil
The document provides an overview of the stock market and technical analysis. It discusses the industry overview including definitions of a stock market and its key participants. It also examines the importance of stock markets and covers topics such as market indices, derivative instruments, investment strategies, taxation, irrational behavior and crashes. The document then provides a profile of Sharekhan, an Indian stock broker, outlining its services, achievements and competitors. It closes with an introduction to the Indian cement industry and profiles three major cement companies - ACC, Ultratech and Grasim.
TIA Chennai 20-20 Ideas meet presentation - Capacity to Suffer Frameworkperfectresearch
The presentation is an attempt to collate thoughts on the investment process we follow from the Gurus, Mentors and Friends we follow along with our own experience in this field.
*Disclaimer*
1. We are not SEBI registered analysts
2. Educational post only and not a stock recommendation
3. We take no responsibility to keep updating about the business being discussed
4. We may or may not own a position in any of the businesses being discussed and even if we do own a position, we may change our mind due to change in any facts or circumstances
5. Plz consider this post only as a framework to keep tracking businesses and understanding them
project on equity research and sector analysis teja0408
The document provides an overview of the Bombay Stock Exchange (BSE). It discusses that BSE is located in Mumbai and is the oldest stock exchange in Asia. It has over 5,133 listed companies and the BSE SENSEX index is a widely used market index in India. The BSE was established in 1875 and today facilitates growth for the Indian corporate sector. It operates from Monday to Friday and has various trading sessions throughout the day. The BSE has transitioned to electronic trading and works to provide efficient capital raising for listed companies.
The Hidden Champion Fund in listed Asian equities generated positive absolute returns of +15.4% or a S$2.7m investment gain (in SGD terms as at 1 July 2016) since September 2015, outperforming Asian market indexes which decline over the same period.
Investor behavior in the stock market – Rational and Irrational perspectivesRohit Bedi
This research involves the study of buying and selling behavior of the Indian investor from both rational and irrational perspectives. The research involves collection of primary data through a questionnaire. The questionnaire has general questions related to investors’ preferences regarding their investment decisions and questions related to the influence groups which affect their investment behavior.
This document provides an overview of a summer training project on equity analysis of banks. It includes an introduction to technical analysis and fundamental analysis. It discusses the investment portfolio of Kotak Life Insurance, including their investments in various banks. It also outlines the objectives, research methodology, and structure of the document. The document is a summary of a student project analyzing equity investments in banks using both technical and fundamental analysis approaches.
A project report on fundamental & technical analysis of automobile sectorBabasab Patil
The document provides an executive summary of a study analyzing the automobile sector in India through fundamental and technical analysis. It discusses the scope, objectives, and methodology of the study, which included analyzing individual company scrips using economic, industry, and company factors. The study's tools included relative strength index, moving averages, and Japanese candlestick charts to predict stock price trends of Tata Motors and Maruti Suzuki. The findings showed the best times to buy and sell these stocks based on technical indicators. Fundamentally, the companies' financial performance was positive. The conclusion stated that India is growing fast in the automobile sector.
The document discusses fundamental analysis and the process of security selection. It describes both active and passive approaches to equity analysis. The document then discusses analyzing the macroeconomic environment through top-down fundamental analysis. This includes analyzing the global economy, central government policy including fiscal and monetary policy, and key economic indicators such as GDP, industrial growth, agriculture, savings and investment, government budget, money supply, inflation, interest rates, balance of payments and more.
C8I Holdings Limited and its Subsidiaries released its interim financial report for the first half of fiscal year 2016. Some key highlights include:
- Revenue for the period was $22 million with a net profit of $15 million, a significant increase from the previous fiscal year.
- A gain of $9.4 million was realized from the sale of shares in Digimatic Group Ltd.
- A private equity division was formally established to focus on investment deals in private businesses.
- Expansion into China and Malaysia's education markets through new joint ventures and acquisitions.
- Total liquid assets for the company were $44 million as of the reporting period.
The document summarizes the state of early stage investing in India based on surveys of leading VCs and angels. It finds that while VCs are cautiously optimistic, seasoned angels are more wearily cautious after a muted 2012. Both groups are investing across stages and collaborating more on deals. A key concern is lack of exits, with VCs expecting more strategic divestments in 2013. Overall investor sentiment indicates a slow recovery, with a wary outlook on ecommerce but interest in other sectors. The conclusion is one of cautious optimism for VCs and weary caution for angels in 2013.
An introduction to ESG (Environmental, Social and Governance) Investing from Artifex Financial Group, a leader in ESG portfolio research and management.
This document provides an overview of the DSP Mid Cap Fund, including:
- The fund invests primarily in mid-cap stocks, with about 2/3 in mid-caps and 1/3 in large and small caps.
- The investment philosophy focuses on identifying durable businesses run by able managers that generate high sustainable returns on equity.
- The fund uses a three pillar investment framework to identify companies based on their business model, management quality, and reasonable valuation.
- Over time the fund aims to generate alpha by investing in quality businesses with good growth potential, while also mitigating risks through a robust investment process.
We initiate coverage of Exista with a Buy rating and a target price of ISK 38.1 per share, implying upside potential of 25% from the current share price. We believe Exista has positioned itself well through its strategic holdings in Sampo and Kaupthing, which provide opportunities for expansion into the Nordic financial market. The operational arm gives Exista steady cash flow and reserves to support its investment activities. While market risk and concentration risk are concerns, we are optimistic about recovery in financial markets and opportunities for Exista.
This document discusses a descriptive study of mutual funds and investors' perceptions about investing in mutual funds. It provides an overview of the mutual fund industry and how mutual funds work. It discusses the different types of mutual funds and risks associated with them. The objectives and timeline of the study are outlined. Research methodology, sample design, data analysis and findings are presented. Limitations and scope for further study are also discussed along with recommendations. A sample questionnaire used for the study is included.
SBI Emerging Business Fund: An Equity Mutual Fund Scheme - Nov 17SBI Mutual Fund
SBI Emerging Business Fund focuses on emerging businesses and invests in companies that are considered emergent. It has the flexibility to invests across market caps. SBI Emerging Business Fund may invests into large, mid and/or small cap stocks in any proportion based on the market conditions making the most of various market phases. Visit SBI Mutual Fund to know more this fund at https://www.sbimf.com/en-us/equity-schemes/sbi-emerging-businesses-fund
Workshop 2: Tipping Point Analysis Preview ("From the Fund Management Jungle:...Koon Boon KEE
1) The document discusses the concept of "catalysts" and "tipping points" in investing, and argues that waiting for catalysts can be risky as many purported catalysts are actually false signals created by insiders to manipulate stock prices.
2) It provides examples of how serious institutional investors like Norway's sovereign wealth fund analyze business model dynamics and tipping points, rather than focusing on short-term catalysts.
3) The document uses examples from index inclusions and deletions to illustrate how catalysts may not always reflect underlying business fundamentals and prospects. Understanding intra-industry effects is also important.
why standard valuation matrix is not the best way to value great businessesperfectresearch
The presentation is an attempt to collate thoughts on the investment process we follow from the Gurus, Mentors and Friends we follow along with our own experience in this field.
*Disclaimer*
1. We are not SEBI registered analysts
2. Educational post only and not a stock recommendation
3. We take no responsibility to keep updating about the business being discussed
4. We may or may not own a position in any of the businesses being discussed and even if we do own a position, we may change our mind due to change in any facts or circumstances
5. Plz consider this post only as a framework to keep tracking businesses and understanding them
This document provides information on the DSP Midcap Fund, an open-ended equity scheme that predominantly invests in midcap stocks. The fund aims to generate long-term capital growth by investing in equity and equity-related securities of midcap companies. It follows a bottom-up stock selection process focused on quality companies with strong growth potential. The top 10 holdings are diversified across various sectors such as industrial products, banks, pharmaceuticals, and others. The document highlights the investment strategy, portfolio characteristics and risks associated with investing in midcap stocks.
This document presents the findings of a study on the investment behavior of youth. It analyzes data collected through questionnaires from 50 young investors regarding their preferences, awareness, and decisions around various investment instruments like savings accounts, mutual funds, insurance, real estate etc. The study finds that saving accounts are the most preferred investment followed by mutual funds. It also finds that there is a general lack of knowledge about mutual funds among youth investors. The document makes recommendations to improve transparency and simplify procedures related to mutual fund investments.
A project report on technical analysis at share khanBabasab Patil
The document provides an overview of the stock market and technical analysis. It discusses the industry overview including definitions of a stock market and its key participants. It also examines the importance of stock markets and covers topics such as market indices, derivative instruments, investment strategies, taxation, irrational behavior and crashes. The document then provides a profile of Sharekhan, an Indian stock broker, outlining its services, achievements and competitors. It closes with an introduction to the Indian cement industry and profiles three major cement companies - ACC, Ultratech and Grasim.
TIA Chennai 20-20 Ideas meet presentation - Capacity to Suffer Frameworkperfectresearch
The presentation is an attempt to collate thoughts on the investment process we follow from the Gurus, Mentors and Friends we follow along with our own experience in this field.
*Disclaimer*
1. We are not SEBI registered analysts
2. Educational post only and not a stock recommendation
3. We take no responsibility to keep updating about the business being discussed
4. We may or may not own a position in any of the businesses being discussed and even if we do own a position, we may change our mind due to change in any facts or circumstances
5. Plz consider this post only as a framework to keep tracking businesses and understanding them
project on equity research and sector analysis teja0408
The document provides an overview of the Bombay Stock Exchange (BSE). It discusses that BSE is located in Mumbai and is the oldest stock exchange in Asia. It has over 5,133 listed companies and the BSE SENSEX index is a widely used market index in India. The BSE was established in 1875 and today facilitates growth for the Indian corporate sector. It operates from Monday to Friday and has various trading sessions throughout the day. The BSE has transitioned to electronic trading and works to provide efficient capital raising for listed companies.
The Hidden Champion Fund in listed Asian equities generated positive absolute returns of +15.4% or a S$2.7m investment gain (in SGD terms as at 1 July 2016) since September 2015, outperforming Asian market indexes which decline over the same period.
Investor behavior in the stock market – Rational and Irrational perspectivesRohit Bedi
This research involves the study of buying and selling behavior of the Indian investor from both rational and irrational perspectives. The research involves collection of primary data through a questionnaire. The questionnaire has general questions related to investors’ preferences regarding their investment decisions and questions related to the influence groups which affect their investment behavior.
This document provides an overview of a summer training project on equity analysis of banks. It includes an introduction to technical analysis and fundamental analysis. It discusses the investment portfolio of Kotak Life Insurance, including their investments in various banks. It also outlines the objectives, research methodology, and structure of the document. The document is a summary of a student project analyzing equity investments in banks using both technical and fundamental analysis approaches.
A project report on fundamental & technical analysis of automobile sectorBabasab Patil
The document provides an executive summary of a study analyzing the automobile sector in India through fundamental and technical analysis. It discusses the scope, objectives, and methodology of the study, which included analyzing individual company scrips using economic, industry, and company factors. The study's tools included relative strength index, moving averages, and Japanese candlestick charts to predict stock price trends of Tata Motors and Maruti Suzuki. The findings showed the best times to buy and sell these stocks based on technical indicators. Fundamentally, the companies' financial performance was positive. The conclusion stated that India is growing fast in the automobile sector.
The document discusses fundamental analysis and the process of security selection. It describes both active and passive approaches to equity analysis. The document then discusses analyzing the macroeconomic environment through top-down fundamental analysis. This includes analyzing the global economy, central government policy including fiscal and monetary policy, and key economic indicators such as GDP, industrial growth, agriculture, savings and investment, government budget, money supply, inflation, interest rates, balance of payments and more.
C8I Holdings Limited and its Subsidiaries released its interim financial report for the first half of fiscal year 2016. Some key highlights include:
- Revenue for the period was $22 million with a net profit of $15 million, a significant increase from the previous fiscal year.
- A gain of $9.4 million was realized from the sale of shares in Digimatic Group Ltd.
- A private equity division was formally established to focus on investment deals in private businesses.
- Expansion into China and Malaysia's education markets through new joint ventures and acquisitions.
- Total liquid assets for the company were $44 million as of the reporting period.
The document summarizes the state of early stage investing in India based on surveys of leading VCs and angels. It finds that while VCs are cautiously optimistic, seasoned angels are more wearily cautious after a muted 2012. Both groups are investing across stages and collaborating more on deals. A key concern is lack of exits, with VCs expecting more strategic divestments in 2013. Overall investor sentiment indicates a slow recovery, with a wary outlook on ecommerce but interest in other sectors. The conclusion is one of cautious optimism for VCs and weary caution for angels in 2013.
An introduction to ESG (Environmental, Social and Governance) Investing from Artifex Financial Group, a leader in ESG portfolio research and management.
The document provides an overview of 10 popular stock-picking strategies: fundamental analysis, qualitative analysis, value investing, growth investing, GARP investing, income investing, CANSLIM, Dogs of the Dow, and technical analysis. It discusses the importance of analyzing both quantitative and qualitative factors about a company to determine its intrinsic value and whether its stock is under or overvalued. While there is no foolproof strategy, these approaches can be effective if used appropriately based on an investor's goals and risk tolerance.
This document is a project report on creating awareness of mutual funds offered by Reliance mutual fund. The objectives of the study were to understand mutual funds and their benefits, assess customers' knowledge and behavior regarding mutual funds, and identify gaps between customers and Reliance mutual fund. The report discusses Reliance mutual fund's profile, objectives, and research methodology which included descriptive study of mutual funds and analyzing customers' perceptions. The findings show that less experienced investors were attracted to mutual funds for safety, income funds and tax-saving funds were popular, and customers valued advice from brokers and self-evaluation over other factors when making investment decisions.
This document discusses financial intelligence and entrepreneurship in Nigeria. It defines financial intelligence as compiling financial information about entities to understand their capabilities and predict future actions. It states that financial intelligence is crucial for entrepreneurial growth and sustainability in Nigeria. Entrepreneurs need management knowledge of finances to avoid failures even when businesses are profitable. The document then examines concepts of entrepreneurship and its relationship to economic growth and development. It outlines prospects and challenges of entrepreneurship in Nigeria and the role financial intelligence can play in enabling entrepreneurial growth in the country.
Monthly newsletter by seeman distributors- November editionAshis Kumar Dey
The newsletter provides information on investing, savings, and wealth creation. It discusses the importance of savings for wealth creation and how investing plays a role. It emphasizes that the game of wealth creation starts with proper savings. It also contains sections on investment advice, a case story on retirement planning, market indicators, and questions from readers.
This document is a research report on saving and investment awareness among middle-class people in India. It was submitted by Saurabh Suresh Surve to Brihan Maharashtra College of Commerce in Pune under the supervision of Dr. J.R. Lanjekar. The report includes an introduction on savings and investment, objectives of the study, research methodology used which was a survey of 40 individuals, and outlines for findings, conclusion and bibliography sections. The objective was to analyze saving and investment patterns and behaviors among middle-class investors in India.
A project report on awareness of mutual funds 1Nirali Nayi
This document is a project report submitted by Swati M. Suthar and Nirali D. Nayi for their Advance Diploma in Banking and Insurance at S.K. College of Business Management, HNGU, Patan. The report is about creating awareness of mutual funds and was conducted under the guidance of their faculty member Mr. Nisarg Khamar. It includes a certificate from their guide, preface, acknowledgements, executive summary, and the beginning of the introduction chapter which provides an overview of what a mutual fund is.
Study is all about finding the factor which affects the private equity investment in india and prefer sector for it along with the process of investment
1. The document discusses venture capital finance with a focus on investments by Karnataka Information Technology Venture Capital Funds (KITVEN Funds) in Karnataka, India.
2. KITVEN Funds were established in 1999 by the Karnataka government to provide funding for IT startups and SMEs in Karnataka.
3. The study aims to analyze KITVEN Funds' total investments, sector-wise investments, stages of investment, and investment portfolios in Karnataka from 1999 to 2012.
A Study on Investors' Perception Towards Mutual Funds and its Scopes in Indiaijtsrd
This study on Investors perception towards and recent development and progress of Mutual Fund investments. The mutual fund investors behaviors also the researcher concentrates only the urban investors. The rural investor`s views are completely excluded from the study. The mutual fund investments in relation to investors behavior. Investors opinion and perception has been studied relating to various issues like type of mutual fund scheme, investors opinion relating to factors that attract them to invest in mutual funds. Different investment avenues are available to investors. Mutual funds also offer good investment opportunities to the investors. Like all other investments, they also carry certain risks. The investors should compare the risks and expected yields after adjustment of tax on various instruments while taking investment decisions. M. Rangeela | Dr. G. Balamurugan"A Study on Investors Perception Towards Mutual Funds and its Scopes in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-3 , April 2018, URL: http://www.ijtsrd.com/papers/ijtsrd10950.pdf http://www.ijtsrd.com/management/accounting-and-finance/10950/a-study-on-investors-perception-towards-mutual-funds-and-its-scopes-in-india/m-rangeela
This document appears to be a dissertation submitted by Sangeeta Pandey to Uttarakhand Graphic Era Hill University for a Bachelor of Commerce (Honors) degree. The dissertation is titled "Comparative Analysis of Banks and Mutual Fund Interest Rates" and was conducted under the supervision of Mr. Ramanuj Tewari. The dissertation includes an introduction to mutual funds and banks, objectives of the research, research methodology, interpretation of findings, limitations, conclusions, and references. It aims to evaluate and compare the performance and interest rates of mutual funds versus domestic bank term deposits.
1. The document discusses venture capital finance with a focus on investments made by Karnataka Information Technology Venture Capital Funds (KITVEN Funds) in Karnataka, India.
2. KITVEN Funds were established in 1999 as SEBI registered venture capital funds to provide financing to technology startups and SMEs in Karnataka.
3. The study aims to analyze the total investments, sector allocation, investment stages, and portfolio of companies funded by KITVEN Funds over time in Karnataka.
This document provides an overview of investment options in India and discusses the need for investment planning. It summarizes various investment options like stocks, bonds, real estate, gold, and mutual funds. It states that an investor should evaluate investments based on parameters like safety, liquidity, returns, entry/exit barriers, and tax efficiency. The document then discusses the introduction to investments, need and importance of studying investments, scope of the study, objectives of the study, methodology, limitations of the study, and provides a profile of ICICI Bank.
The document provides a project report submitted by two students, Suman Parthria and Neeraj Hotwani, at Sri Sharada Institute of Indian Management as a partial fulfillment of their Post Graduate Diploma in Management. The report analyzes the market scenario of the ITES sector in India. It includes an acknowledgement, executive summary, introduction to the ITES sector, research methodology used, data analysis and findings. The key highlights are an analysis of the growing ITES sector in India and findings from a survey of 100 investors on their views of the sector.
This document summarizes a research paper that analyzed share price movements in the National Stock Exchange of India (NSE) from 2007 to 2012. The study used tools like moving averages, beta analysis, and correlation to examine share price volatility in different sectors. It found that share prices grew continuously over the five-year period without major peaks or declines. The analysis suggested that macroeconomic factors like GDP and inflation could impact future equity returns in the Indian stock market. The full paper provides details on the methodology, literature review, analysis tools used, and discusses how various sectors performed.
Investment Decision Making for Small Individual Investors – A Study with Spec...IRJET Journal
This document summarizes a study on investment decision making among small individual investors in Tirunelveli District, Tamil Nadu, India. The study aims to understand the personal, technical, and situational factors that influence investment decisions for small investors. It also examines common mistakes made by investors like selling investments too soon or holding on to losing investments too long. The study uses a survey methodology to collect data from 200 small investors in the region and analyzes how investment experience relates to investment objectives. The findings can help small investors better understand behavioral biases and make more effective investment decisions.
Private Equity growth investing model for Nestle India LimitedMiraj Patel
The document discusses private equity growth investing opportunities in India's consumer staples (FMCG) industry. It begins with an introduction to private equity, describing what it means, how private equity funds work, objectives of private equity investments, and valuation methods. It then provides context on India's economy and consumption trends, noting household consumption growth slowed from 2011-2012 due to high inflation and interest rates. However, potential for consumption revival exists through curbing inflation, rural expenditure growth, and a boost from Chinese economic slowdown. The document performs an analysis of India's FMCG industry and proposes Nestle India as the best company for a 5-year private equity growth investment based on a financial analysis and projections.
EQUITY RESEARCH OF AUTOMOBILE SECTOR FOR RETAIL INVESTORAnand Kumar
This document provides an overview of equity research and the automobile industry in India. It discusses what equity research is, its purpose and scope. It also discusses fundamental and technical analysis techniques used in equity research. The document then provides an introduction to the automobile industry in India, including key statistics on production, exports, growth drivers and the major automobile hubs. It also gives an overview of 10 automobile companies that will be analyzed as part of an equity research project on the automobile sector aimed at retail investors.
EQUITY RESEARCH OF AUTOMOBILE SECTOR FOR RETAIL INVESTOR
Atif
1. 100180104981446
IRJCAsiaPacificJournal of Marketing& ManagementReview Vol.1No.2, October2012, ISSN 2319-2836
www.indianresearchjournals.com126 A STUDY OF INVESTMENTPERSPECTIVEOF SALARIEDPEOPLE
(PRIVATESECTOR) PROF.CA YOGESH P.PATEL*; PROF.CS CHARUL Y. PATEL** *Head of Departmentof
Accountancy, S.K. SomaiyaCollege of Arts,Science &Commerce,Universityof Mumbai,Maharashtra,
India.**AssistantProfessor,Departmentof Accountancy,SIESCollege of Commerce,andEconomics,
Universityof Mumbai,Maharashtra,India.ABSTRACTThe highestuse of capital isnot to make more
money,butto make moneydomore for the bettermentof life.‖ - HenryFordInvestmentisthe
employmentof fundswiththe aimof gettingreturnonit.It is the commitmentof fundswhichhave
beensavedfromcurrentconsumptionwiththe hope thatsome benefitswill accrue infuture.Thus,itis
a rewardfor waitingformoney.Sothe firststepto investmentissavings.Incommonusage,saving
generallymeansputtingmoneyaside,forexample,byputtingmoneyinthe bankorinvestingina
pensionplan.Inabroader sense,savingistypicallyusedtorefertoeconomizing,cuttingcosts,orto
rescuingsomeone orsomething.Intermsof personal finance,savingreferstopreservingmoneyfor
future use - typicallybyputtingiton deposit- thisisdistinctfrominvestmentwhere there isanelement
of risk.The mainelementsof Investmentsare Return,RiskandTime.Thisresearchaimstostudyand
understandthe behavioral patternof investmentamongthe salariedpeople workinginprivate sector
and the difference inperceptionof anindividual relatedtovariousinvestmentalternatives.Italsoaims
to provide aninsightintofactorsconsideredforanappropriate investment.Givesawiderscope to
understandvariousissuesrelatedtoinvestmentbysalariedpeople.KEYWORDS:Investment,Private
sector,SalariedandSaving.
____________________________________________________________________________IRJC Asia
PacificJournal of Marketing& ManagementReview Vol.1No.2,October2012, ISSN 2319-2836
www.indianresearchjournals.com127 INTRODUCTION OBJECTIVESTostudythe behavioral patternof
investmentsamongsalariedpeopleworkinginprivate sector.Tostudythe difference inperceptionof
an individualrelatedtovariousinvestmentalternatives.Toprovide aninsightintofactorsconsideredfor
an appropriate investment.HYPOTHESISThere are nodifferencesinthe consumptionandsavingpattern
of the sample test.LIMITATIONSThe studyshall be limitedtosalariedpeople whoare employedin
private sector.The studyislimitedtoMumbai cityonly.METHODOLOGY It isan exploratoryresearch.
Primaryand secondarydatawill be collected.Purposive samplingwill be usedtocollectprimarydata.
Sample size shall be total 50 salariedemployees.SAMPLEThe studysample comprisedof 50 salaried
people inprivate sector.Usingstratifiedrandomsamplingmethodthe salariedpeoplewere classified
intotwo categoriesonthe criterionof sex.25 were male and25 were female.Boththe respondents
male as well asfemale were salariedemployeesemployedinvariousCompaniesinmanufacturing,
tradingand service providingsectors.TOOLSA questionnaire wasframedconsistingof 20closedend
questionsandopenendquestionscoveringthe personal anddemographic profile,the awareness
relatedtomethods,modes,reasonsof savingandinvestmentandotherrelateddatawere collected.
IRJCAsiaPacificJournal of Marketing& ManagementReview Vol.1No.2, October2012, ISSN 2319-2836
www.indianresearchjournals.com128 DATA Using the surveymethodprimarydatawasobtainedfrom
the respondentsbyadministeringthe questionnaireandevaluatingthe feedback.Personal interviews
was alsoconductedwithfewrespondentswhoprovidedvaluable informationinputsSecondarydata
2. includedinformationcollectedfromvariousInternetdownload,Books,publicationsandvarious
journals.SAVINGSavingdiffersfromsavingsinthatthe firstreferstothe act of puttingaside moneyfor
future use,whereasthe secondreferstothe money itself once saved.Forexample:youmaydecide to
start saving10% of yourincome;because youaimfor yoursavingstogrow intoan amountsufficientto
buyan automobile.Incommonusage,savinggenerallymeansputtingmoneyaside,forexample,by
puttingmoneyinthe bankor investinginapensionplan.Inabroadersense,savingistypicallyusedto
referto economizing,cuttingcosts,orto rescuingsomeone orsomething.Intermsof personal finance,
savingreferstopreservingmoneyforfuture use - typicallybyputtingitondeposit - thisisdistinctfrom
investmentwhere there isanelementof risk.Savingiscloselyrelatedtoinvestment.Bynotusing
income tobuy consumergoodsandservices,itispossible forresourcestoinsteadbe investedby being
usedto produce fixedcapital,suchasfactoriesandmachinery.Savingcanthereforebe vital toincrease
the amountof fixedcapital available,whichcontributestoeconomicgrowth.SAVINGIN PERSONAL
FINANCEWithinpersonal finance,the actof savingcorrespondstonominal preservationof moneyfor
future use.A depositaccountpayinginterestistypicallyusedtoholdmoneyforfuture needs,i.e.an
emergencyfund,tomake acapital purchase (car, house,vacation,etc.) orto give tosomeone else
(children,tax bill etc.).Withinpersonal finance,moneyusedtopurchase shares,putina collective
investmentscheme orusedtobuyany assetwhere there isanelementof capital riskisdeemedan
investment.Thisdistinctionisimportantasthe investmentriskcancause a capital losswhenan
investmentisrealized,unlikecashsaving(s).Cashsavingsaccountsare consideredtohave minimal risk.
In the UnitedStates,all banksare requiredtohave depositinsurance,typicallyissuedbythe Federal
DepositInsurance CorporationorFDIC.Inextreme cases,abankfailure cancause depositstobe lostas
it happenedatthe start of the Great Depression.However,sincethe FDICwascreated,nodepositsin
the UnitedStateshave beenlostdue toa bankfailure.Inmanyinstancesthe termssavingand
investmentare usedinterchangeably.Forexamplemanydepositaccountsare labeledasinvestment
accounts bybanksfor marketingpurposes.Tohelpestablishwhetheranassetissaving(s) oran
investmentyoushould askyourself,"Where ismymoneyinvested?"If the answeriscashthenitis
savings,if itisa type of assetwhichcan fluctuate innominal value thenitisinvestment.IRJCAsiaPacific
Journal of Marketing& ManagementReview Vol.1No.2, October2012, ISSN 2319-2836
www.indianresearchjournals.com129 ELEMENTS OFINVESTMENTSA. RETURN: Investorsbuyor sell
financial instrumentsinordertoearnreturnon them.The returnincludesbothcurrentincome (current
yield) andcapital gain(capital appreciation).B.RISK:Riskisthe chance of lossdue to variabilityof
returnson an investment.Incase of everyinvestment,there isachance of loss.Itmay be lossof
investment;howeverrisksandreturnsare inseparable.C.TIME: Time isan importantfactorin
investment.Time perioddependsonthe attitude of investorswhofollow a‗buy‘& ‗hold‘policy.A
seriousmindedinvestorwill have toconsiderthe followingimportantcategoriesof investment
opportunities:- Protectiveinvestments.Tax orientedinvestment.Fixedincome investment.Speculative
investment.Emotionalinvestment.Growthinvestment.INVESTORPROFILEAninvestorprofileorstyle
definesanindividual'spreferencesininvestmentdecisions,forexample:Shorttermtrading(active
management) orlongtermholding(buyandhold) Riskaverse orrisktolerant/seekerAll classesof
assetsor justone (stocksfor example) Valuestock,growthstocks,qualitystocks,defensive orcyclical
stocks...Bigcap or small cap stocks,Use or not of derivatives Home turf orinternationaldiversification
Hands on,or via investmentfundsIRJCAsiaPacificJournal of Marketing&ManagementReview Vol.1
3. No.2, October2012, ISSN 2319-2836 www.indianresearchjournals.com130and so on. WHAT
DETERMINE AN INVESTORPROFILEThe style / profile isdeterminedbyObjective personal orsocial traits
such as age,gender,income,wealth,family,tax situation...Subjective attitudes,linkedtothe temper
(emotions)andthe beliefs(cognition) of the investor.Generally,the investor'sfinancial return/risk
objectives,assumingtheyare preciselysetandfullyrational.SPECULATIONInfinance,speculationisa
financial actionthatdoesnotpromise safetyof the initial investmentalongwiththe returnonthe
principal sum.[1] Speculationtypicallyinvolvesthe lendingof moneyorthe purchase of assets,equity
or debtbut ina mannerthathas not beengiventhoroughanalysisorisdeemedtohave low marginof
safetyor a significantriskof the lossof the principal investment. The term, "speculation,"whichis
formallydefinedasabove inGrahamand Dodd's1934 text,SecurityAnalysis,contrastswiththe term
"investment,"whichisafinancial operationthat,uponthoroughanalysis,promisessafetyof principal
and a satisfactoryreturn.Ina financial context,the terms"speculation"and"investment"are actually
quite specific.Forinstance,althoughthe word"investment"istypicallyused,inageneral sense,to
meanany act of placingmoneyina financial vehiclewiththe intentof producingreturnsoveraperiod
of time,mostventuredmoney—includingfundsplacedinthe world'sstockmarkets—isactuallynot
investment,butspeculation.INVESTMENTVS.SPECULATION Identifyingspeculationcanbe bestdone by
distinguishingitfrominvestment.AccordingtoBenGraham inIntelligentInvestor,the prototypical
defensive investoris"...one interestedchieflyinsafetyplusfreedomfrombother."He admits,however,
that "...some speculationisnecessaryandunavoidable,forinmany common-stocksituations,there are
substantial possibilitiesof bothprofitandloss,andthe risksthereinmustbe assumedbysomeone."
Many long-terminvestors,eventhose whobuyandholdfordecadesmaybe classifiedasspeculators,
exceptingonlythe rare fewwhoare primarilymotivatedbyincome orsafetyof principal andnot
eventuallysellingata profit.Speculatorscanbe increasinglydistinguishable byshorterholdingtimes,
the use of leverage,bybeingwillingtotake shortpositionsaswell as longpositions.A degree of
speculationexistsinawide range of financial decisions,fromthe purchase of ahouse to a bet ona
horse;thisiswhat modernmarketeconomistscall "ubiquitousspeculation‖.IRJCAsiaPacificJournal of
Marketing& ManagementReviewVol.1No.2, October2012, ISSN 2319-2836
www.indianresearchjournals.com131 DATA ANALYSISThe surveyconductedtoinvestigate―The
Investmentperspective of the salariedpeople inthe Private Sector‖whichdisclosesthe reasons,
methods,typesandmodesof investmentfollowedbythese people.The sample size of 50respondents
was surveyedoutof which25 were male and25 were female.The graphbelow depictsthe same.I
PERSONALPROFILE2) SAMPLE SIZE ParticularsNumber.Male 25 Female 25 Total 50 0 5 10 15 20 25 30
35 40 45 50 NumberMale Female Total Itisevidentfromthe chartthat the numberof male andfemale
respondentswere equal innumber.IRJCAsiaPacificJournal of Marketing&ManagementReview Vol.1
No.2, October2012, ISSN 2319-2836 www.indianresearchjournals.com1323) MARITAL STATUS
ParticularsMarriedUnmarriedMale 18 07 Female 23 02 Total 41 09 0 5 10 15 20 25 30 35 40 45 Married
UnmarriedMale Female Total It isevidentfromthe chartabove that mostof the respondents,maleas
well asfemale are all married.4) AGE GROUP ParticularsBelow 3030- 40 41- 50 Above 51 Male 05 08 06
06 Female 03 07 10 05 Total 08 15 16 11 0 2 4 6 8 10 12 14 16 Below 30 30-40 41-50 Above 51 Male
Female Total IRJCAsiaPacificJournal of Marketing& ManagementReview Vol.1No.2,October2012,
ISSN 2319-2836 www.indianresearchjournals.com133 It isevidentfromthe chart above thatmajorityof
the respondentsfall inthe age groupof 41 to 50 years andminimuminbelow 30.5) EDUCATION Details
4. Under graduate Graduate Postgraduate Professional Male 0214 06 03 Female 05 10 05 05 Total 07 24
11 08 0 5 10 15 20 25 UndergraduatesPostgraduatesMale Female total Itisobservedthatmaximumof
the respondentsare graduates,followedbypostgraduate andprofessionalswhereasthe minimumare
undergraduates.IRJCAsiaPacificJournal of Marketing&ManagementReview Vol.1No.2,October2012,
ISSN 2319-2836 www.indianresearchjournals.com134 6) DESIGNATION DetailsOfficerExecutive
Manager DirectorMale 04 10 06 05 Female 08 09 05 03 Total 12 19 11 08 0 5 10 15 20 OfficerExecutive
Manager DirectorMale Female Total Itisobservedthatthe majorityof the respondentsbothmale and
female are employedasExecutivewhereasminimumare onthe postof Director.7) FILING OF INCOME
TAX RETURN Particular Income Tax ReturnFilledIncome Tax ReturnNotFilledTradingMale 19 06
Female 08 17 Total 27 23 0 5 1 0 1 5 2 0 2 5 3 0 Income Tax ReturnFiledIncome Tax ReturnNotFiled
Male Female Total IRJCAsiaPacificJournal of Marketing&ManagementReview Vol.1No.2, October
2012, ISSN 2319-2836 www.indianresearchjournals.com135 It isobservedthatthe majorityof the male
respondentsfile theirIncome Tax Returnswhilemajorityof female respondentsdonotfile theirIncome
Tax Returns.8) ANNUALINCOMEParticulars1-2 Lac 2-5 Lac 5-10 Lac Above 10 Lac Male 03 09 07 06
Female 11 06 05 03 Total 14 15 12 09 0 2 4 6 8 10 12 14 16 1-2 Lac 2-5 Lac 5-10 Lac Above 10 Lac Male
Female Total Itis observedthatmajorityof the Male respondentshave annual Incomeinrange of 2-5
Lac while majorityof Female respondentshave annual incomeinrange of 1-2 Lac. 9) ANNUALSAVINGS
ParticularsBelow1Lac 1-2 Lac 2-4 Lac Above 4 Lac Male 04 11 06 04 Female 12 06 05 02 Total 16 17 11
06IRJC AsiaPacificJournal of Marketing& ManagementReview Vol.1No.2, October2012, ISSN 2319-
2836 www.indianresearchjournals.com136 0 2 4 6 8 10 12 14 16 18 Below 1 Lac 1-2 Lac 2-4 Lac Above 4
Lac Male Female Total It isobservedthatmajorityof the Male respondentshave annual Savingsinrange
of 1-2 Lac while majorityof Femalerespondentshave annual savingsbelow1Lac. 10) ANNUAL
INVESTMENT(CONSIDERINGTHE TOTAL OF ALL THE AVENUES) ParticularsBelow 1Lac 1-2 Lac 2-4 Lac
Above 4 Lac Male 03 13 07 02 Female 15 05 04 01 Total 18 18 11 03 0 5 10 15 20 Below 1 Lac 1-2 Lac 2-4
Lac Above 4 Lac Male Female Total Itis observedthatmajorityof the Male respondentshave annual
Investmentinrange of 1-2 Lac while majorityof Female respondentshave annual Investmentbelow 1
Lac.IRJC AsiaPacificJournal of Marketing&ManagementReview Vol.1No.2, October2012, ISSN 2319-
2836 www.indianresearchjournals.com137 11) AVENUESOFINVESTMENT ParticularsGovt.Stock
Market Mutual FundsGold Real Estate Male 03 11 05 02 04 Female 12 02 04 06 01 Total 15 13 09 08 05
0 2 4 6 8 10 12 14 16 Govt.Stock Market Mutual FundsGoldReal Estate Male Female Total It is
observedthatmajorityof Investmentof Male respondentsisinthe StockmarketfollowedbyMutual
Fund, Real Estate andGovenrmentSecuritieswhile the minimumisinGold.Whereasthe majorityof
Investmentof Femalerespondentsisinthe GovernmentSecuritiesfollowedbyGold,Mutual Fundand
Stock Marketwhile the minimumisinReal Estate theasthe first12) RETURN ON INVESTMENT
ParticularsLessthanor equal tothe prevailingMarketReturnMore than the prevailingMarketReturn
Male 10 15 Female 19 06 Total 29 21IRJC AsiaPacificJournal of Marketing& ManagementReviewVol.1
No.2, October2012, ISSN 2319-2836 www.indianresearchjournals.com138 0 5 10 15 20 25 30 Less
than or equal toPrevailingMarketReturnMore than PrevailingMarketReturnMale Female Total Itis
observedthatthe majorityof Male respondentsinvestinthose Avenuesof Investmentwhere the
Returnon Investmentismore thanthe PrevailingMarketReturn.Whereasthe majorityof Female
respondentsinvestinthose Avenuesof Investmentwhere the ReturnonInvestmentisLessthanor
Equal to the PrevailingMarketReturn13) PROPORTION OFSAVINGSTOINCOMEParticularsBelow10%
5. 10-20 %20-30% Above 30 % Male 03 14 07 01 Female 16 05 03 01 Total 19 19 10 02 0 5 10 15 20 Below
10% 10-20 % 20-30% Above 30 % Male Female Total IRJCAsiaPacificJournal of Marketing&
ManagementReviewVol.1No.2,October2012, ISSN 2319-2836 www.indianresearchjournals.com139
It isobservedthatmajorityof the Male respondentshave proportionof savingstoincome inrange of
10-20% while majorityof Femalerespondentshave proportionof savingstoincome inrange of Below
10%. 14) PROPORTION OFINVESTMENTTO INCOME ParticularsBelow 10% 10-20 % 20-30% Above 30 %
Male 04 14 06 01 Female 17 04 03 01 Total 21 18 09 02 0 5 10 15 20 25 Below 10% 10-20 % 20-30%
Above 30 % Male Female Total Itisobservedthatmajorityof the Male respondentshave proportionof
investmenttoincome inrange of 10-20% while majorityof Female respondentshave proportionof
investmenttoincome inrange of Below10%. 15) PROPORTION OFINVESTMENTTO SAVINGSParticulars
Below40% 40-50 % 50-60% Above 60 %Male 03 05 12 05 Female 08 10 05 02 Total 11 15 17 07IRJC Asia
PacificJournal of Marketing& ManagementReview Vol.1No.2,October2012, ISSN 2319-2836
www.indianresearchjournals.com140 0 2 4 6 8 10 12 14 16 18 Below 10% 10-20 % 20-30% Above 30 %
Male Female Total Itisobservedthatmajorityof the Male respondentshave proportionof investment
to savingsinrange of 50- 60 %while majorityof Female respondentshave proportionof investmentto
savingsinthe range of 40-50% . 16) REASON FORINVESTMENT ParticularsSafetyHigherReturnsAny
OtherMale 06 15 04 Female 16 07 02 Total 22 22 06 0 5 10 15 20 25 SafetyHigherReturnsAnyOther
Male Female Total IRJCAsiaPacificJournal of Marketing&ManagementReview Vol.1No.2, October
2012, ISSN 2319-2836 www.indianresearchjournals.com141 It isobservedthatthe majorityof Male
respondentsinvestforgettinghigherreturnsontheirfunds/savingswhereasmajorityof female
respondentsinvestforsafetyof theirfunds/savings.17) PREFERENCE OFINVESTMENT ParticularsHigher
ReturnswithHighRiskLowerReturnswithLowerRiskMediumReturnswithMediumRiskMale 13 04 08
Female 03 12 10 Total 16 16 18 0 5 10 15 20 25 HigherReturnswithHighRiskLowerReturnswithLower
RiskMediumReturnswithMediumRiskMale Female Total Itisobservedthatthe male respondents
preferHigherReturnswithHighRiskwhile the female respondentspreferLowerReturnswithLower
Risk.18. SATISFACTION FROMINVESTMENTParticularsYESNO NOTCLEAR Male 12 06 07 Female 06 08
11 Total 16 14 20IRJC AsiaPacificJournal of Marketing& ManagementReview Vol.1No.2, October
2012, ISSN 2319-2836 www.indianresearchjournals.com142 0 5 10 15 20 YES NO NOTCLEAR Male
Female Total Itis observedthatthe Male respondentsare satisfiedwiththeirsavingsandinvestments
while the femalerespondentsare notclearon the matter.CONCLUSIONSThe economyisprospering,
the job marketisboomingandsalariesare touchinga new high.The new breedof Indianyouthhasits
pocketsfull andisintelligentenoughnottoletitsmoneyrustinbank accounts.Investmentisontheir
mindand an optionthathas the potential tomultiplytheirsavingsandprovidemaxi-mumtax rebate is
the one theycrave.Traditional savingoptionslikepostoffice schemesandfixeddepositsare now passé.
―Optionslike postoffice schemesandfixeddepositsare notverypopularwiththe youthasthe rate of
interestonthemislowerascomparedto otherin-vestmentoptionsavailable.Safetyandsecuritywhich
were once upona time the mainreasonsfor investmentare nolongerthe majorcriteriathat determine
the choice of investment.Withmoneyinhandandage on theirside,the younginvestorsare not
hesitantintakingrisk.―Fixeddepositsare nota veryattractive investmentoptionforyoungstersthese
days.Most of the people whooptforfixeddepositsare seniorcitizensisrevealedinone of the surveys
conductedinIndia.Savingtax isone of the majorreasonsbehindinvestmentbythe youth.Traditional
savingschemesdonotprovide anytax benefitsandare,therefore,keepingthe youngstersawayfrom
6. them.―WhyshouldIinvestinfixeddepositsandpostoffice schemeswhentheyprovide notax rebates
and the rate of returnon themis fixedandalsolowerthan otherinvestmentoptions,‖iswhatYoung
saverand investorhastosay. Mutual fundisthe most favoredoptionof the youngsterstoday.―The
stock marketisdoingso well.Iama little apprehensive aboutinvestingdirectlyinthe stockmarketbut
at the same time Iwant to avail of the benefitsof the rapidlyrisingstockmarket.So,mutual fundsare
the bestoptionforme iswhat a 30 somethingInvestorhastosay. Investmentinmutual fundsthrough
the SystematicInvestmentPlan(SIP)isafavouredinvestmentoptionforthe youngsters.Thisis
especiallytrue of the youngsalariedclasswhichhasjuststartedearninganddoesnothave a fatbank
balance as yet.―Incase of SystematicInvestmentPlans,insteadof bulkpayment,asmall amountisto
be paideverymonth.Thismakesthemverypopularwiththe salariedclasswhofinditdifficulttoshell
out a large amountat one go.Real Estate marketisalsothe one whichyoungsterspreferafterall the
above ones.Especiallyinacity like Mumbai where Real estate isIRJCAsiaPacificJournal of Marketing&
ManagementReviewVol.1No.2,October2012, ISSN 2319-2836 www.indianresearchjournals.com143
alwaysonthe highor up,thisis notat all badinvestmentoption.Butthere isnofixedreturnandthe risk
and amountof investmentishigh.OtherTraditional Investmentoptionlike the FixedDepositorthe Post
Office schemes(PPF/NSC/NSS/KVP/IVP) are losingtheirwaydue toblockingof fundsandlower
returns.Goldisstill preferredtosome extentespeciallywhenitcomestofemales.Due torise inprice of
goldfromsomewhere around4,000-5,000 in2003 to around17,000 in2010, goldis still shiningasan
investmentoption.Youngsterstodayare aware of what ishappeningaroundthemandare intelligent
enoughtodecide whatisbestfor them.Everyoptionisconsideredandthe prosandcons of each
weighedcarefullybefore the decisiontoinvestthe hard-earnedmoneyistaken.RECOMMENDATIONSIn
investingmoney,the amountof interestyouwantshoulddependonwhetheryouwanttoeat well or
sleepwell. - J.KenfieldMorleyAre youonthe road to a secure future?The followingpointsshouldbe
keptinmindwhile takingthe decisionsrelatedtosavingsandinvestmentof the savings:SAFETYOF
YOUR INVESTMENTWhat do youneedtolookfor while investingtoensure thatyourinvestmentissafe?
The factors that youneedto lookforwouldvarywiththe type of investment.Forexample,inthe case of
shares,the safetymaybe partiallygaugedfromquantitativedatasuchas the past trendin the price of
the stock,the financial performance of the company;italsomaybe supplementedwithqualitative
factors suchas the reputationof the company.Analyzingbalance sheetsandprojectreports,however,
require agreat deal of expertise andtime,whichisusuallybeyondthe scope of the retail investor.
Therefore,the reputationof the issuerremainsthe onlyguide available.CREDITRATINGWhenitcomes
to depositsorbondsissuedbypubliccompaniesorfinancial institutions,aninvestorcanrelyoncredit
ratings.A CreditRatingisan evaluationof the safetyof aninstrumentmade byanagency.These
agenciesundertake adetailedanalysisof the issuer'sstrengthsandweaknesses.The ratingisallotted
basedon a formulathatalsoincorporatespastperformance andvolatility.Theyhave alarge andexpert
infrastructure thatallowsthemtomake the kindof financial judgement,beyondthe scope of an
individualretail investor.TYPEOFRETURN The returnon investmentmay consistof appreciationinthe
value of the investmentorreceiptof income orboth.The firsttype of returnis typical of real estate
whereasthe secondtype isIRJCAsiaPacificJournal of Marketing& ManagementReview Vol.1No.2,
October2012, ISSN 2319-2836 www.indianresearchjournals.com144 obtainedasinterestonloansor
fixeddeposits,savingscertificates,bondsordebentures.Bothincome aswell asappreciationinvalue
couldbe got from equitysharesof goodcompanies.RISK - RETURN LINKAGEOne needstobe aware that
7. there isa directrelationshipbetween'Return'onour investmentandthe 'Risk'of losingthem.Higher
the return,greateris the possibilityof loss.The SavingsBankAccountunderthe presentruleslaiddown
by the Reserve Bank of India,givesinterestdependingonthe durationof the deposit.A long-term
depositgivesahigherrate of interest.The possibilityof losingourmoneyinthe savingbankaccountis
almostnegligible,exceptinremote casesof small-timeco-operative banks.While the riskof losing
moneyisalmostabsent.The SavingBankAccountsand BankFixedDepositsofferinterestof 4.5 and9
percent perannum respectively.The CompanyFixedDepositsoffersomewhatbetterratesof 12 to 15
percent perannum.Buildingcontractorsandfilmproducersofferveryhighreturnssuchas24 to 36 per
centper annum,butthe probabilityof losingthe entire principalamountinthiscase isveryhigh.THE
TAX FACTORReturnon investmentinthe formof income,attractsincome tax underthe Income Tax Act.
Incidence of thistax dependsonthe type of the investmentincome andthe quantumof outother
income.The interestonSavingsBankAccountsandBank FixedDepositsiseligible foratax concession
up to Rs.12,000 underSection80L of the IT Act. Beyondthat,itis taxable underthe Income Tax Actas
normal income.Asseenearlier,companyfixeddepositsyieldhigherreturnsthanbankdeposits,but
theyoffernotax concession.Incomesfrommutual funds,depositswithnotifiedfinancial institutions,
interestoncertainPostOffice Deposits,interestoncertainonNSC,interestonnotifiedbondsand
debentures,are alsoeligibleforatax deductionundersection80L,all withinanoverall ceilingof Rs.
15,000. The interestfromPFand PPFisfullyexemptformtax.ContributionuptoRs.60,000 per year
enjoysatax rebate equal to20% witha ceilingof Rs.12,000. Inthe PPF,wheneverthere isa
contributionmade tothe minorchildren'saccount,notonlyisthe interesttax free butalsoitis not
clubbedwiththe parent'sincome.THEINFLATION FACTORAsmentionedinanearlierarticle,real return
isreturn thatis posttax and postinflation.The value of the investmentdependsonthe amountthatthe
moneycan buy,andthis goesdownas the inflationgoesup.Therefore whileevaluatingthe returnfrom
a scheme;youneedtosee whetheritisgivingyoureturnsbeyondthe inflationrate.The greatest
problemswiththe investmentavenuessuchasgold,silver,diamondandJewelleryhave beenthatthey
have not servedasan effectivehedgeagainstinflation.IRJCAsiaPacificJournal of Marketing&
ManagementReviewVol.1No.2,October2012, ISSN 2319-2836 www.indianresearchjournals.com145
HIGH RISKBUT HIGH RETURNS Andfinally, equitysharesof listedcompaniesasanavenue of investment
can be extremelyrewarding.Buttheyare alsoriskyandcall for a special mental makeupandunusually
sharp skillsonthe partof the investor.AsPeterLynch,the acclaimedAmericanfundmanagersaid,
"commonstocksare not foreveryone,norforall timesinthe life of the same person".We examineeach
of these productslaterina detailedmannerBECAUTIOUS It has beennoticedworldoverthatan
investor'sgreatestandmostportentenemyisGREED FORHIGHER RETURNS. Many a times,rational
thinkingpeople tendtobehave inthe mostirrational mannerwhile investingtheirsavings.A well known
investmentguruhasanalyzedthisuncannybehaviorinone sentence - "Investor,protectthyself from
thyself".Whileanalyzing,the popularsavingsoptions,one shouldconsidertwokeyfactors:Taxation
and Inflationalongwithriskandreturn.Thus,asoundinvestmentisone whichgivesthe investor
reasonable returnafterdeductingoutgoof tax as well as the invisibletax of inflation.Toconclude,here
isa quote froma recentsurveycarriedoutin the US among finance professionalsrevealingsome
commoncharacteristicsof successful womeninvestors:"Askquestions;Seekhelp;Doyourhomework;
and Setgoals".Thisholdstrue for all investors.―Noone savesusbutourselves.Noone canandno one
may.We ourselvesmustwalkthe path.‖~Buddha BIBLIOGRAPHYREFERENCE BOOKS1. Francis,J C;
8. Taylor,R W (2004) – Schaum‘sOutline of TheoryandProblemsof InvestmentsNew Delhi:Tata McGraw
Hill.2. Alexander,GJ (2002) – Fundamentalsof Investments.New Delhi:Prentice –Hall of India.3.
Chandra,Prasanna(2004)– ManagingInvestmentsNewDelhi:TataMcGraw Hill.4. Avadhani,V A
(1995)- InvestmentforBeginnersBombay:HimalayaPublishingHouse.5.Avadhani,V A (1996)-
InvestmentManagementBombay:HimalayaPublishingHouse.IRJCAsiaPacificJournal of Marketing&
ManagementReviewVol.1No.2,October2012, ISSN 2319-2836 www.indianresearchjournals.com146
6. Chandra, Prasanna(1995)– The InvestmentGame :How to Win.New Delhi :Tata McGraw Hill.7.Tier,
Mark (2006)– The WinningInvestmentHabitsof WarrenBuffetandGeorge SarosNew Delhi :Kogan
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