Saving and Investment are two key variables which play a significant role in economic growth, control of inflation, stability and promotion of employment especially in the context of developing countries. In general, to invest is to distribute money in the expectation of some benefit in the future. Actually, the present study identifies about the preferred investment avenues among IT investors from backward areas using their own self-assessment test. This paper analyse and found that IT sector employees consider more safety as well as good return on investment rather than taking risk, when compared to urban IT sector employees.

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Investment Stratagem of It Employees
M. Rani Subathra1
, Dr.S.Bulomine Regi2
, Dr. S. Anthony
Rahul Golden3
1
Ph.D Research Scholar in Commerce Research Center, St. Mary’s College (Autonomous)
Thoothukudi, affiliated to Manonmaniam Sundaranar University, Tirunelveli, Tamilnadu,
India
2
Assistant Professor of Commerce & Research Supervisor, St. Mary’s College
(Autonomous), Thoothukudi affiliated to Manonmaniam Sundaranar University, Tirunelveli,
Tamilnadu, India. Email id: drregi23@gmail.com.
3
Assistant Professor of Commerce, St. Xavier’s College (Autonomous), Palayamkottai
affiliated to Manonmaniam Sundaranar University, Tirunelveli. Email id:
kvsrahul@gmail.com
Abstract
Saving and Investment are two key variables which play a significant role in
economic growth, control of inflation, stability and promotion of employment especially in
the context of developing countries. In general, to invest is to distribute money in the
expectation of some benefit in the future. Actually, the present study identifies about the
preferred investment avenues among IT investors from backward areas using their own self-
assessment test. This paper analyse and found that IT sector employees consider more safety
as well as good return on investment rather than taking risk, when compared to urban IT
sector employees.
Keywords: Investment, Savings, IT Sector, Rural, Urban, Profit, Risk and Return
Introduction
India is the world’s leading outsourcing destination, and offers an advanced
ecosystem for foreign investors looking at the information technology (IT) sector. However,
the IT sector is undergoing a critical transition phase as it adapts to the disruptions caused by
automation and allied technologies popularly referred to as SMAC or social media, mobility,
data analytics, and cloud computing.
Here the employees from rural and urban cities are noted. Their perception is varying
with respect to savings and their mode of investment. Technology professionals that have
been laid off can participate in the country’s vibrant start up scene, while others will be
available for employment with new market entrants. Meanwhile, the sector’s investment in
new verticals, along with the upskilling of the domestic talent pool, will only strengthen the
world-class infrastructure and service capabilities currently in place.
Investment Option Available
There are various number of financial instruments available today for investment
purpose. The employee has to choose Proper Avenue among those available, depending upon
their specific need, risk preference, and return that are expected.
Objective and Scope of Study
a. To know the investment preference of IT sector employees and working in Chennai
city IT Companies.

2. Our Heritage
ISSN: 0474-9030
Vol-68-Issue-1-January-2020
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b. To know the factor that are influencing their investment behavior of the employees.
c. To analyze the pattern of investment and saving mode of investors.
d. To analyze the problems that are faced by the investors.
e. To know the mode of investments of the salaried respondents in various investment
avenues.
Review of Literature
Ajith Kumar (2018) the study analysed the investment pattern of people in Bangalore
city and Bhubaneswar & analysis of the study was undertaken with the help of survey
method.Karthikeyan (2018) has conducted research on Small Investors Perception on Post
office Saving Schemes and found that there was significant difference among the four age
groups, in the level of awareness for kinas vikaspatra (KVP).Vinod Patil (2019) studied
preferred investment avenues among salaried people with reference to Pune City, India. A
sample size of 50 investors has been taken from the Pune City, India.
The result of finding showed 60% investors were aware about the investment avenues
whereas 40% were unaware.Research Design: This study is based on exploratory study as
well as descriptive one. It is hence done to understand the investment pattern of the IT
employees who are coming from Ruralbackgroundand their approach towards investment
avenues.Sample Size: Sampling size is 82 for convenience i.e. 82employees who are not
belongs to urban cities fill the questionnaire for this purpose.Sampling Technique: Sampling
technique is the technique used to select the sample size. Stratified sampling technique used
in this research. In this, Investors were taken according to the convenience of the research
study. Sampling design: Since the information is to be taken from Investors, a questionnaire
has prepared for knowing the investment pattern of IT employees.Data collection source: The
study is based on both primary and secondary data.
Observed Frequency:
Gender Awareness Unawareness Total Percentage
Male 30 8 38 78.94%
Female 14 8 22 63.63%
Total 44 16 60 73.33%
(Source: Primary Data)
Chi-Square Test:
O E (O-E) (O-E)2 (O-E)2/E
30 27.86 2.14 4.57 0.1640
08 10.13 -2.13 4.53 0.4472
14 16.13 -2.13 4.53 0.2808
08 5.87 2.14 4.57 0.7785
Total 1.0593
Degree of freedom: v= (r-1) (c-1), v= (2-1) (2-1) , v= 1
Chi-square results in 1.0593 is less than the 0.05 level significance 3.841. So, Null hypothesis
is accepted.

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Conclusion: Hence it is concluded that there is no significant relationship between the
Gender and the Investment awareness level.
Degree of freedom: v= (r-1) (c-1), v= (5-1) (2-1), v= 4
Chi-square results 16.51 is greater than the 0.05 level significance 9.48. So, Null hypothesis
is rejected.
Conclusion:Hence it is concluded that there is significant relationship between the income
level& awareness about the investments modes

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Percentage wise monthly saving of salaried class people
Saving Range No. of Respondents Percentage
10% to 20% 14 23%
21% to 30% 21 35%
31% to 40% 12 21%
41% to 50% 10 16%
Above 50% 3 5%
Total 60 100%
(Source: Primary Data)
Factors Influencing While Selecting Investment Avenues
Sr. No Factors No. of Respondents Percentage
1. Safety 11 18.33
2. Liquidity 12 20.00
3. Tax Saving 14 23.33
4. Diversification 9 15.00
5. Affordability 7 11.67
6. Simplicity 7 11.67
Total 60 100%
(Source: Primary Data)
Objectives of the Investment
Sr. No Factors No. of Respondents Percentage
1. Future Security 16 26.67
2. Good Returns 11 18.33
3. Liquidity 7 11.67
4. Capital Appreciation 5 8.33
5. Tax Savings 10 16.67
6. Children Career 10 16.66
7. Other 1 1.67
Total 60 100%
(Source: Primary Data)
Most Preferable Investment Modes

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S. No Investment Avenues No. of Respondents Percentage
1. Stock Market 7 11.67
2. Bank Deposit 10 16.67
3. Real Estate 6 10.00
4. Mutual Funds 11 18.33
5. Metal ( Gold/Silver/Others) 5 8.33
6. Insurance 9 15.00
7. Commodity 2 3.33
8. Tax-Saving Schemes 6 10.00
9. Debt Market 3 5.00
10. Others 01 1.67
Total 60 100%
(Source: Primary Data)
Level of Risk Involved in the Investment Schemes
Comparative Analysis of Review
7
10
6
11
5
9
2
6
3 10
10
20
30
40
50
Most Preferable Investment Options
0
10
20
30
40
50
60
Very High
High
Moderate
Low
Very Low

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From the above statements of research that was conducted and based on the data that
was collected it can be clearly stated that there is no relation between the gender and the level
of awareness of different modes of investments.
Further it is also observed that there is direct relationship between the income level and
awareness of the different modes of investment. A person having a high level of income tends
to have more knowledge about the different sources and avenues of investment that are
available in the market. A person having more income will obviously tend to invest more
money.
Further bank deposit and mutual funds are the most preferred sources of investments
by the IT investors from rural areas. Every respondent feels that there is high level of risk in
investments.
Suggestions
Mutual fund is also found as most favoured option by the IT employees today.
Investment in mutual funds through the way of Systematic Investment Plan (SIP) is a
favoured investment option by the youngsters. Awareness programs have to be conducted by
stock broking firms, because most of the respondents i.e. investors are thinking that these
avenues are loss making and doesn’t have no good return on it. Hence this study concluded
that most of the investors prefer secured regular income on investment rather than taking risk.
Conclusion
The study has made an attempt to analyse the savings and investment pattern of IT
investors.The data analysis of research reveals that the safety mode is concerned as important
factor while doing investment, so remaining avenues are found less considerable while doing
investment by investors. Questions like why people to save and what make them not to invest
are also analysed in-depth and interpreted. Especially in a city like Chennai where Real estate
is always on the high preference, but there is no fixed return and the risk and amount of
investment is high.It is absolutely essential and needed to save earned income, to have a plan
for future, and to resist the spending funds that already owned.
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