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 Study on Investment Pattern of Investors on Different ProductsProjects Kart
A study on investment pattern of investors on different products in India using the questionnaires to understand how salaried employees investment pattern and preferences towards different products. Read more on www.projectskart.com for information. An investment refers to the commitment of funds at present, in anticipation of some positive rate of return in future. Today the spectrum of investment is indeed wide. An investment is confronted with array of investment avenues. Among all investment, investment in equity is in best high proportion. This is because the history of stock market is booming and bursts overnight millionaires, an instant pauper.
Investment Pattern on the basis of investors risk profileArihant Zunjarvad
It is an internship project done by me in order to know the risk profile of investors and how investors respond with respect to the risk.
I found it really a great experience in my MBA graduation.
Thank you.
This document is a summer training research project report submitted by Aditi Singh to fulfill the requirements of a Master of Business Administration degree. The report investigates the investment patterns of defense employees in Lucknow, India. It includes an acknowledgment, declaration, introduction that provides the rationale and objectives of the study. It also covers industry profiles on investments, characteristics of investments, objectives of investments, the investment process, and various investment avenues like stocks and shares.
INVESTMENT PATTERN OF SALARIED INDIVIDUALSRanjana Singh
This document discusses the investment patterns of salaried individuals in India. It aims to understand the different investment avenues available, the level of awareness and risk tolerance among salaried individuals when investing their savings. The document contains chapters on the background and objectives of the study, a literature review of past studies, the research methodology, data collection and analysis, findings, and a conclusion with scope for future work. Tables of data collected from salaried individuals are presented on their awareness of various investment options from safe low-risk to high-risk avenues, as well as the factors considered when selecting investments.
In-depth Study of Investor's Perception towards investment in Various Alterna...Vinaysingh Tomar
This report is all about the investor's perception towards the investment in various alternative available in the market and also focuses on the factors affecting investor's perception while investing their funds in various alternatives.
A study on various investment opportunities And investment pattern of salari...Sardaar Saab
This document is a project report submitted for a Master's degree in Business Administration. It examines various investment opportunities and the investment patterns of salaried individuals. The report was conducted under the supervision of Prof. Kiranjit Kaur and submitted by Navjeet Kaur. It includes sections on the introduction, objectives of the study, scope of the study, research methodology used, literature review, data analysis and interpretation of findings. The main investment avenues analyzed are shares, bonds, debentures, bank deposits, mutual funds, real estate, insurance and others.
INVESTMENT PATTERN ON THE BASIS OF RISK PROFILE OF INVESTORSgoreankush1
The document discusses investment patterns based on risk profiles of investors. It defines investment and risk, and describes different types of risk including systematic and unsystematic risk. It outlines factors that determine an investor's risk tolerance like investment goals, timeframe, liquidity needs, age, income and experience. Based on these factors, it categorizes investors into different risk profile styles from conservative to aggressive. The executive summary provides an overview of how individuals invest based on their capacity to bear risk and the relationship between investment patterns and risk tolerance. It describes the objectives and methodology of a study conducted to analyze these relationships.
A Study on Investment Pattern of Investors on Different ProductsProjects Kart
A study on investment pattern of investors on different products in India using the questionnaires to understand how salaried employees investment pattern and preferences towards different products. Read more on www.projectskart.com for information. An investment refers to the commitment of funds at present, in anticipation of some positive rate of return in future. Today the spectrum of investment is indeed wide. An investment is confronted with array of investment avenues. Among all investment, investment in equity is in best high proportion. This is because the history of stock market is booming and bursts overnight millionaires, an instant pauper.
Investment Pattern on the basis of investors risk profileArihant Zunjarvad
It is an internship project done by me in order to know the risk profile of investors and how investors respond with respect to the risk.
I found it really a great experience in my MBA graduation.
Thank you.
This document is a summer training research project report submitted by Aditi Singh to fulfill the requirements of a Master of Business Administration degree. The report investigates the investment patterns of defense employees in Lucknow, India. It includes an acknowledgment, declaration, introduction that provides the rationale and objectives of the study. It also covers industry profiles on investments, characteristics of investments, objectives of investments, the investment process, and various investment avenues like stocks and shares.
INVESTMENT PATTERN OF SALARIED INDIVIDUALSRanjana Singh
This document discusses the investment patterns of salaried individuals in India. It aims to understand the different investment avenues available, the level of awareness and risk tolerance among salaried individuals when investing their savings. The document contains chapters on the background and objectives of the study, a literature review of past studies, the research methodology, data collection and analysis, findings, and a conclusion with scope for future work. Tables of data collected from salaried individuals are presented on their awareness of various investment options from safe low-risk to high-risk avenues, as well as the factors considered when selecting investments.
In-depth Study of Investor's Perception towards investment in Various Alterna...Vinaysingh Tomar
This report is all about the investor's perception towards the investment in various alternative available in the market and also focuses on the factors affecting investor's perception while investing their funds in various alternatives.
A study on various investment opportunities And investment pattern of salari...Sardaar Saab
This document is a project report submitted for a Master's degree in Business Administration. It examines various investment opportunities and the investment patterns of salaried individuals. The report was conducted under the supervision of Prof. Kiranjit Kaur and submitted by Navjeet Kaur. It includes sections on the introduction, objectives of the study, scope of the study, research methodology used, literature review, data analysis and interpretation of findings. The main investment avenues analyzed are shares, bonds, debentures, bank deposits, mutual funds, real estate, insurance and others.
INVESTMENT PATTERN ON THE BASIS OF RISK PROFILE OF INVESTORSgoreankush1
The document discusses investment patterns based on risk profiles of investors. It defines investment and risk, and describes different types of risk including systematic and unsystematic risk. It outlines factors that determine an investor's risk tolerance like investment goals, timeframe, liquidity needs, age, income and experience. Based on these factors, it categorizes investors into different risk profile styles from conservative to aggressive. The executive summary provides an overview of how individuals invest based on their capacity to bear risk and the relationship between investment patterns and risk tolerance. It describes the objectives and methodology of a study conducted to analyze these relationships.
Investors attitude towards Mutual fund (Questionnaire)Naren Kumar
This document contains a survey asking for a person's name, age, occupation, investment plans and preferences, risk tolerance, investment goals, preferred fund houses, expected returns, preferred places to invest, important investment factors, intended use of investment income, and satisfaction with current investment options. It asks multiple choice and open-ended questions to evaluate a person's financial situation and preferences in order to make appropriate investment recommendations.
Project on mutual funds study and surveyProjects Kart
The document provides an overview of the history of mutual funds in India divided into phases:
1) Establishment of UTI in 1963-1987 with UTI enjoying monopoly status. UTI launched various schemes and saw significant growth.
2) Entry of public sector funds in 1987-1993 with SBI MF becoming the first non-UTI MF and others like LIC MF entering. UTI remained the largest.
3) Emergence of private sector funds in 1993-1996 which introduced innovative products and increased competition.
4) Growth and regulation phase from 1996-2004 with SEBI introducing regulations and the industry seeing robust growth. Tax benefits were provided to encourage investment.
Project report a study of sbi mutual funds uprangeshsatna
The document is a project report submitted by Snehal Chavan for the completion of a Bachelor of Business Administration degree. It investigates preferences of investors for investing in mutual funds. The report includes an introduction to mutual funds, an acknowledgement section thanking those who provided guidance and support, a declaration confirming the work is the student's own, and an executive summary outlining the project's purpose and methodology.
Project on mutual funds is the better investments planProjects Kart
This document is a project report submitted for an MBA program. It discusses mutual funds as better investment plans. The report includes an acknowledgements section, declaration, executive summary, and table of contents. It covers introduction to mutual funds, their various aspects, company profiles, objectives and scope of the study, research methodology, data analysis and interpretation, findings and conclusions, and suggestions and recommendations. The project provided a learning experience for the author and scope to analyze investor preferences for mutual funds in terms of asset management companies, products, options, and investment strategies.
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
Full Project Report on SBI mutual funds.AKSHAY TYAGI
This document summarizes a student project on investor perceptions of mutual funds submitted for an MBA program. It includes declarations, acknowledgements, guide certificates, and outlines of the project contents. The student investigated investor preferences in mutual funds, including the types of products, options, and investment strategies preferred by investors in India. The project analyzed primary data collected through surveys to understand factors influencing investor decisions when purchasing mutual funds.
A study on investors’ awareness level on mutual fund & promotion of sip planProjects Kart
Here are the key tables from the document:
Table 2.1 - Shows total net asset in U.S. Dollars for mutual funds globally from 1980 to 2018.
Table 2.4 - Provides the latest AUM (assets under management) and ranking for top mutual funds in India.
Table 3.1 - Provides a snapshot of different types of mutual fund schemes.
Table 3.2 - Outlines the tax rules for mutual fund investors in India.
Table 3.3 - Defines the statistical measure R-squared.
Table 3.4 - Shows the returns that can be generated through SIP (Systematic Investment Plan) over different time periods.
Table 3.5 - Describ
A Study of Mutual Funds in India- ReportSyril Thomas
This document is a report submitted by Mundakathil Syril Thomas to IBS Hyderabad as part of an internship at Stock Holding Corporation of India Limited. The report studies the growth of mutual funds in India. It provides details about Stock Holding Corporation, including its products and services. It also discusses the history and classification of mutual funds in India. The report analyzes indicators of growth for mutual funds such as assets under management and shift from traditional investments to mutual funds. It describes the research methodology used for a survey on consumer preferences related to investing. The findings of the survey and conclusions on the future of mutual funds in India are also summarized.
A study on investment avenues for investor niyazniyaztvm
The document discusses investment avenues available for investors, with a focus on business people in Tiruvannamalai Town. It begins with an introduction on wealth creation and the importance of understanding investment opportunities and financial planning. It then outlines four main types of investment avenues: 1) financial securities, 2) non-secured financial securities, 3) mutual fund schemes, and 4) real assets. The document also reviews literature on past studies of investment habits and sets objectives and methodology for its own study.
a study on retail investors perception towards mutual fund investmentniranjan k
This document is a project report submitted by Niranjana K to Mangalore University in partial fulfillment of the requirements for a Master's Degree in Business Administration. The report studies retail investors' perceptions towards mutual fund investment. It contains chapters on the introduction and background of the topic, research methodology, a profile of mutual funds, data analysis and interpretation of survey results, findings, suggestions and conclusions. The introduction discusses why people invest, different investment avenues like direct equity, equity and debt mutual funds, and the role of mutual funds in shaping the Indian economy.
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.
A study of investors perception towards the mutual fund investmenthingal satyadev
This document provides a project report on mutual funds submitted by Hingal Satyadev to the Shri Chimanbhai Patel Institute of Management and Research in partial fulfillment of an MBA degree. The report includes an introduction to mutual funds and ICICI Securities, a literature review on customer awareness of mutual funds, the research methodology used in the study, an analysis of findings, and conclusions and suggestions. The project aimed to examine customer awareness of mutual funds through a survey conducted with customers of ICICI Securities under the guidance of internal and external guides.
This document is a project report submitted by Aditya Mahindrakar for his summer internship at UTI Mutual Fund in Hyderabad. The report details his study titled "A Study on Performance and Analysis of Mutual Funds in India". The 3-page report includes sections acknowledging the guidance received from his mentors at UTI Mutual Fund and ArthChakra Advisory Services, a table of contents outlining the topics covered in the report, and an executive summary defining mutual funds and how investors can make money from them.
This document discusses a research project investigating investor perception of mutual funds and their behavior using time series models. It provides background on the project, which analyzed daily net asset values for 30 mutual fund schemes from equity, debt and balanced categories over one year. The objectives were to study how personal and risk factors affect fund benefits and performance, and determine the causal relationship between benchmark indices and different fund schemes. The methodology section describes collecting primary data through a survey and secondary data from sources like AMFI. Variables for analysis included performance rating based on past performance, current NAV, and agency ratings. The analysis would use factor analysis, regression, and time series models.
Customer perception towards mutual fundsProjects Kart
The document provides an overview of Karvy, an Indian financial services company. It details Karvy's various services including stock broking, distribution of financial products like mutual funds, depository services, advisory services, and more. It outlines Karvy's history and growth over the past 20 years to become a premier integrated financial services provider 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.
questionnaire on saving and investment awareness in peoplesaurabh surve
This document contains a questionnaire about saving and investment awareness. It asks respondents about their demographics, knowledge of investment options, saving objectives, preferred sectors to invest in, how much income they invest, preferred investment time periods, factors considered when investing, and preferred investment options. The questionnaire collects information on topics like sources of investment knowledge, consulting friends/relatives before investing, and preferred risk levels and returns.
This document appears to be a project report on mutual fund investment submitted for an MBA program. It includes an acknowledgements section thanking various parties for their support and guidance. The executive summary provides an overview of mutual funds in India and how awareness and information is increasing investment. The report appears to analyze data on mutual fund investors in Ahmedabad through surveys to understand preferences and criteria for investment. It includes sections comparing performance of public and private mutual funds in oil and petroleum sectors between 2008-2009.
Rahul Gupta MBA Finance IVth SEMESTER ProjectRahul Gupta
This document provides an overview of a project report on mutual funds as a proven global investment avenue. It acknowledges the guidance provided by the project supervisor. The objectives are to provide an understanding of mutual fund benefits, types of schemes, market trends, specific fund schemes, distribution channels, and marketing strategies. It also aims to explore recent industry developments and regulations. Limitations include a lack of information sources and limited time/funds. The executive summary outlines what a mutual fund is, key advantages and disadvantages, costs and fees, how to purchase funds, factors to consider, different types of funds, and industry trends of consolidation among large players.
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.
FINAL MMS PROJECT - INVESTOR'S BEHAVIOR TOWARDS INVESTMENT AVENUES ( MANGESH...Mangesh Sonawane
This document is a student project report on investor behavior towards different investment avenues in India. It includes an executive summary that gives an overview of various investment options available in India and factors that influence investor decisions. The objective of the project is to understand and analyze individual investors' preferences, risk tolerance levels, sources of information, investment horizons and objectives. It aims to study how demographic factors like age impact risk tolerance and provide suitable investment recommendations. The report contains chapters on industry profile, literature review, research methodology, data analysis and findings.
Investors attitude towards Mutual fund (Questionnaire)Naren Kumar
This document contains a survey asking for a person's name, age, occupation, investment plans and preferences, risk tolerance, investment goals, preferred fund houses, expected returns, preferred places to invest, important investment factors, intended use of investment income, and satisfaction with current investment options. It asks multiple choice and open-ended questions to evaluate a person's financial situation and preferences in order to make appropriate investment recommendations.
Project on mutual funds study and surveyProjects Kart
The document provides an overview of the history of mutual funds in India divided into phases:
1) Establishment of UTI in 1963-1987 with UTI enjoying monopoly status. UTI launched various schemes and saw significant growth.
2) Entry of public sector funds in 1987-1993 with SBI MF becoming the first non-UTI MF and others like LIC MF entering. UTI remained the largest.
3) Emergence of private sector funds in 1993-1996 which introduced innovative products and increased competition.
4) Growth and regulation phase from 1996-2004 with SEBI introducing regulations and the industry seeing robust growth. Tax benefits were provided to encourage investment.
Project report a study of sbi mutual funds uprangeshsatna
The document is a project report submitted by Snehal Chavan for the completion of a Bachelor of Business Administration degree. It investigates preferences of investors for investing in mutual funds. The report includes an introduction to mutual funds, an acknowledgement section thanking those who provided guidance and support, a declaration confirming the work is the student's own, and an executive summary outlining the project's purpose and methodology.
Project on mutual funds is the better investments planProjects Kart
This document is a project report submitted for an MBA program. It discusses mutual funds as better investment plans. The report includes an acknowledgements section, declaration, executive summary, and table of contents. It covers introduction to mutual funds, their various aspects, company profiles, objectives and scope of the study, research methodology, data analysis and interpretation, findings and conclusions, and suggestions and recommendations. The project provided a learning experience for the author and scope to analyze investor preferences for mutual funds in terms of asset management companies, products, options, and investment strategies.
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
Full Project Report on SBI mutual funds.AKSHAY TYAGI
This document summarizes a student project on investor perceptions of mutual funds submitted for an MBA program. It includes declarations, acknowledgements, guide certificates, and outlines of the project contents. The student investigated investor preferences in mutual funds, including the types of products, options, and investment strategies preferred by investors in India. The project analyzed primary data collected through surveys to understand factors influencing investor decisions when purchasing mutual funds.
A study on investors’ awareness level on mutual fund & promotion of sip planProjects Kart
Here are the key tables from the document:
Table 2.1 - Shows total net asset in U.S. Dollars for mutual funds globally from 1980 to 2018.
Table 2.4 - Provides the latest AUM (assets under management) and ranking for top mutual funds in India.
Table 3.1 - Provides a snapshot of different types of mutual fund schemes.
Table 3.2 - Outlines the tax rules for mutual fund investors in India.
Table 3.3 - Defines the statistical measure R-squared.
Table 3.4 - Shows the returns that can be generated through SIP (Systematic Investment Plan) over different time periods.
Table 3.5 - Describ
A Study of Mutual Funds in India- ReportSyril Thomas
This document is a report submitted by Mundakathil Syril Thomas to IBS Hyderabad as part of an internship at Stock Holding Corporation of India Limited. The report studies the growth of mutual funds in India. It provides details about Stock Holding Corporation, including its products and services. It also discusses the history and classification of mutual funds in India. The report analyzes indicators of growth for mutual funds such as assets under management and shift from traditional investments to mutual funds. It describes the research methodology used for a survey on consumer preferences related to investing. The findings of the survey and conclusions on the future of mutual funds in India are also summarized.
A study on investment avenues for investor niyazniyaztvm
The document discusses investment avenues available for investors, with a focus on business people in Tiruvannamalai Town. It begins with an introduction on wealth creation and the importance of understanding investment opportunities and financial planning. It then outlines four main types of investment avenues: 1) financial securities, 2) non-secured financial securities, 3) mutual fund schemes, and 4) real assets. The document also reviews literature on past studies of investment habits and sets objectives and methodology for its own study.
a study on retail investors perception towards mutual fund investmentniranjan k
This document is a project report submitted by Niranjana K to Mangalore University in partial fulfillment of the requirements for a Master's Degree in Business Administration. The report studies retail investors' perceptions towards mutual fund investment. It contains chapters on the introduction and background of the topic, research methodology, a profile of mutual funds, data analysis and interpretation of survey results, findings, suggestions and conclusions. The introduction discusses why people invest, different investment avenues like direct equity, equity and debt mutual funds, and the role of mutual funds in shaping the Indian economy.
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.
A study of investors perception towards the mutual fund investmenthingal satyadev
This document provides a project report on mutual funds submitted by Hingal Satyadev to the Shri Chimanbhai Patel Institute of Management and Research in partial fulfillment of an MBA degree. The report includes an introduction to mutual funds and ICICI Securities, a literature review on customer awareness of mutual funds, the research methodology used in the study, an analysis of findings, and conclusions and suggestions. The project aimed to examine customer awareness of mutual funds through a survey conducted with customers of ICICI Securities under the guidance of internal and external guides.
This document is a project report submitted by Aditya Mahindrakar for his summer internship at UTI Mutual Fund in Hyderabad. The report details his study titled "A Study on Performance and Analysis of Mutual Funds in India". The 3-page report includes sections acknowledging the guidance received from his mentors at UTI Mutual Fund and ArthChakra Advisory Services, a table of contents outlining the topics covered in the report, and an executive summary defining mutual funds and how investors can make money from them.
This document discusses a research project investigating investor perception of mutual funds and their behavior using time series models. It provides background on the project, which analyzed daily net asset values for 30 mutual fund schemes from equity, debt and balanced categories over one year. The objectives were to study how personal and risk factors affect fund benefits and performance, and determine the causal relationship between benchmark indices and different fund schemes. The methodology section describes collecting primary data through a survey and secondary data from sources like AMFI. Variables for analysis included performance rating based on past performance, current NAV, and agency ratings. The analysis would use factor analysis, regression, and time series models.
Customer perception towards mutual fundsProjects Kart
The document provides an overview of Karvy, an Indian financial services company. It details Karvy's various services including stock broking, distribution of financial products like mutual funds, depository services, advisory services, and more. It outlines Karvy's history and growth over the past 20 years to become a premier integrated financial services provider 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.
questionnaire on saving and investment awareness in peoplesaurabh surve
This document contains a questionnaire about saving and investment awareness. It asks respondents about their demographics, knowledge of investment options, saving objectives, preferred sectors to invest in, how much income they invest, preferred investment time periods, factors considered when investing, and preferred investment options. The questionnaire collects information on topics like sources of investment knowledge, consulting friends/relatives before investing, and preferred risk levels and returns.
This document appears to be a project report on mutual fund investment submitted for an MBA program. It includes an acknowledgements section thanking various parties for their support and guidance. The executive summary provides an overview of mutual funds in India and how awareness and information is increasing investment. The report appears to analyze data on mutual fund investors in Ahmedabad through surveys to understand preferences and criteria for investment. It includes sections comparing performance of public and private mutual funds in oil and petroleum sectors between 2008-2009.
Rahul Gupta MBA Finance IVth SEMESTER ProjectRahul Gupta
This document provides an overview of a project report on mutual funds as a proven global investment avenue. It acknowledges the guidance provided by the project supervisor. The objectives are to provide an understanding of mutual fund benefits, types of schemes, market trends, specific fund schemes, distribution channels, and marketing strategies. It also aims to explore recent industry developments and regulations. Limitations include a lack of information sources and limited time/funds. The executive summary outlines what a mutual fund is, key advantages and disadvantages, costs and fees, how to purchase funds, factors to consider, different types of funds, and industry trends of consolidation among large players.
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.
FINAL MMS PROJECT - INVESTOR'S BEHAVIOR TOWARDS INVESTMENT AVENUES ( MANGESH...Mangesh Sonawane
This document is a student project report on investor behavior towards different investment avenues in India. It includes an executive summary that gives an overview of various investment options available in India and factors that influence investor decisions. The objective of the project is to understand and analyze individual investors' preferences, risk tolerance levels, sources of information, investment horizons and objectives. It aims to study how demographic factors like age impact risk tolerance and provide suitable investment recommendations. The report contains chapters on industry profile, literature review, research methodology, data analysis and findings.
This document provides an introduction and overview of a study on individual investor behavior in India. It discusses the importance of savings and investment. The objectives of the study are to understand investors' preferences, perceptions, and profiles. It will analyze different investment avenues and factors considered by investors. Both primary data collected through surveys and secondary sources will be used. The study aims to provide value to investors by increasing awareness of options and helping financial institutions design better products. However, it faces limitations due to the large number of financial instruments and potential bias or lack of knowledge from respondents.
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
This document provides a summary of a study on portfolio management at Motilal Oswal Financial Services Ltd. It includes an introduction, objectives, methodology, limitations and outlines of various chapters. The chapters will cover topics like literature review on portfolio theory developed by Harry Markowitz and others, company and industry profiles, theoretical analysis of portfolio management, findings, conclusions and suggestions. It will also include examples of different portfolio compositions. The objective is to understand how to effectively construct a portfolio and help investors select securities.
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.
1. The document discusses various investment avenues available to investors, including stocks, bonds, mutual funds, real estate, and more. It notes that investors have different objectives like safety, liquidity, and returns.
2. High net worth individuals are described as proactive in managing their investments and using diversification strategies. They look to new investment options and shift between asset classes like equities and fixed income based on market trends.
3. Emerging investment avenues for wealthy investors include managed funds, real estate, collectibles, precious metals, commodities, and alternative investments. Financial advisors must understand clients' special needs around tax planning, estate planning, education, and risk appetite.
5_Saurabh-Agarwal-Sarita v.pdf a study on portfolio management & financial se...vaghasiyadixa1
This research report about portfolio management & financial sector including all the requirements of making research report as per University required.
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.
This document summarizes a study on investor preferences for investment avenues in India. It conducted a survey of 110 investors to understand their awareness and preferences. The study found that while investors were aware of options like stocks, mutual funds, and bonds, many lacked comprehensive knowledge of financial planning and did not have a balanced investment portfolio. It suggested that financial institutions and the government should provide more financial education programs to help investors make wise investment decisions aligned with their goals and risk tolerance.
This document discusses portfolio management and investment decisions for a Master's degree project. It includes an abstract that discusses evaluating portfolios from an investor's perspective to manage risk and return. It also covers choosing the right portfolio by following steps to manage all risks and achieve good returns. The document outlines the objectives of studying how to effectively construct a portfolio and make investors aware of choosing securities. It includes acknowledgments, table of contents, and several chapters on investment decisions, portfolio management, portfolio evaluation, findings, and conclusions.
This document is a project report submitted for a master's degree in business management. It discusses portfolio management and investment decisions. The introduction provides an overview of portfolio evaluation and different techniques for portfolio construction and analysis. The objectives are to help investors choose effective portfolios and identify the best portfolio of securities. The methodology section describes how primary and secondary data was collected for the project. The limitations include a reliance on secondary sources and constraints of time and data availability.
Study on Mutual Fund is the Better Investment PlanProjects Kart
Mutual funds have become a hot favorite of millions of people all over the world. The driving force of mutual fund is the ‘safety of the principal’ guaranteed, plus the added advantage of capital appreciation together with the income earned in the form of interest or dividend. People prefer Mutual Funds to bank deposits, life insurance and even bond because with a little money, they can get into the investment game. One can own string blue chips like ITC, TISCO, Reliance etc., through mutual funds. Thus, mutual funds act as a gateway to enter into big companies hitherto inaccessible to an ordinary investor with his small investment.
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.
Comparitive analsis on mutual fund and ulips in kotak finalKarlapalem Sekhar
The document discusses mutual funds and unit linked insurance plans (ULIPs). It defines mutual funds as pooled investments from small investors that are invested in a diversified portfolio to spread risk. ULIPs are insurance plans that provide both life insurance coverage and investment opportunities through funds. The document covers the concepts of mutual funds and ULIPs, how they work, their benefits, and risks to consider when choosing these investment options.
Analysis of investement options karvy stock broking ltdssskcollege
The document provides an overview of equity investment and stocks. It discusses that stocks represent ownership in a corporation and stock investors make money through stock price appreciation or dividends. It describes the initial public offering process and types of stocks like growth, value, large cap, small cap stocks. It discusses other factors that impact stock prices like price-to-earnings ratio, investor demand, dividends, company earnings and performance, intrinsic value, and stock splits.
A dissertation report on financial planning of individualsluckyakash1
A Dissertation Report on
“Financial Planning of Individuals:
With reference to Delhi NCR”
This successful project report has been made possible through the direct co-operation and guidance of various people for whom I wish to express my appreciation and gratitude.
Personal finance and wealth management project reportMuhammed Ikram
1. The document provides details of a family's personal financial plan as of March 31, 2011. The family consists of Mr. Khan, who works in a bank earning Rs. 1,200,000 annually, Mrs. Khan who earns Rs. 600,000 annually, and their 15-year old son Salman.
2. The family owns assets including a flat worth Rs. 30 lakhs, two cars worth Rs. 8 lakhs and Rs. 3 lakhs, an investment plot worth Rs. 2 lakhs, shares worth Rs. 1 lakh that pay Rs. 2,000 in dividends annually, and the plot pays Rs. 50,000 in annual rent.
The activities of large, internationally active financial institutions have grown increasingly
Complex and diverse in recent years.This increasing complexity has necessarily been accompanied by a process of innovation in how these institutions measure and monitor their exposure to different kinds of risk. One set of risk management techniques that has attracted a great deal of attention over the past several years, both among practitioners and regulators, is "stress testing", which can be loosely defined as the examination of the potential effects on a firm’s financial condition of a set of specified changes in risk factors, corresponding to exceptional but plausible events. A concept of security analysis and portfolio management services has been very famous and old among various institutions. This report represents practices application of portfolio management techniques in the portfolio section. Portfolio management is an integrated and exhaustive of fundamental and technical methods which are used for calculation of annul return and earnings per share for the portfolio. Modern portfolio theory suggests that the traditional approach to portfolio analysis, selection and management may yield less than optimum results. Hence a more scientific approach is required, based on estimates of risk and return of the portfolio and the attitudes of the investor toward a risk-return trade-off stemming from the analysis of the individual Securities.
A study on Indian investors Investments & analysis of their behaviour on vari...Subhashish Mondal
This document is a major project report submitted by Subhashish Mondal to Prof. Anil Kamboj at New Delhi Institute of Management. The report examines investment behaviors and preferences of Indian investors across various investment avenues in India. It provides an overview of the Indian financial industry and describes popular investment options such as savings accounts, mutual funds, stocks, real estate, gold and emerging avenues. Through a survey of 125 investors in Barasat, Kolkata, the report analyzes factors influencing investment decisions and makes recommendations to investors on suitable portfolios based on their risk tolerance and demographics. Key findings suggest educating investors on investment products through campaigns and social media to increase participation in the capital markets.
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Duba...mayaclinic18
Whatsapp (+971581248768) Buy Abortion Pills In Dubai/ Qatar/Kuwait/Doha/Abu Dhabi/Alain/RAK City/Satwa/Al Ain/Abortion Pills For Sale In Qatar, Doha. Abu az Zuluf. Abu Thaylah. Ad Dawhah al Jadidah. Al Arish, Al Bida ash Sharqiyah, Al Ghanim, Al Ghuwariyah, Qatari, Abu Dhabi, Dubai.. WHATSAPP +971)581248768 Abortion Pills / Cytotec Tablets Available in Dubai, Sharjah, Abudhabi, Ajman, Alain, Fujeira, Ras Al Khaima, Umm Al Quwain., UAE, buy cytotec in Dubai– Where I can buy abortion pills in Dubai,+971582071918where I can buy abortion pills in Abudhabi +971)581248768 , where I can buy abortion pills in Sharjah,+97158207191 8where I can buy abortion pills in Ajman, +971)581248768 where I can buy abortion pills in Umm al Quwain +971)581248768 , where I can buy abortion pills in Fujairah +971)581248768 , where I can buy abortion pills in Ras al Khaimah +971)581248768 , where I can buy abortion pills in Alain+971)581248768 , where I can buy abortion pills in UAE +971)581248768 we are providing cytotec 200mg abortion pill in dubai, uae.Medication abortion offers an alternative to Surgical Abortion for women in the early weeks of pregnancy. Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman Fujairah Ras Al Khaimah%^^%$Zone1:+971)581248768’][* Legit & Safe #Abortion #Pills #For #Sale In #Dubai Abu Dhabi Sharjah Deira Ajman
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
1. Brihan Maharashtra College of Commerce, Pune.
M. Com. Part I – Semester III (2018-19)
SUBJECT- SKILL DEVELOPMENT -II
RESEARCH REPORT
On the topic
SAVING AND INVESTMENT AWARENESS IN
MIDDLECLASS PEOPLE
In the partial fulfilment of Skill Development Activity
UNDER THE SUPERVISION OF:
Dr.J.R.LANJEKAR
SUBMITTED BY
SURVE SAURABH SURESH
Roll no -252
2. DECLARATION
I, Saurabh Suresh Surve, student of Master of Commerce studies Brihan Maharashtra
college of commerce ,Pune (BMCC), declare that the work done and the project report titled ‘‘Saving
and Investment Awareness in Middleclass People’’ is original work carried out by me. All
references ,made to any published material in this report, have been duly acknowledged .This report
has not been submitted to any University / Academic Institution for the award of any degree or
diploma .I solemnly declare that I am singularly responsible for any infringement on the Intellectual
Property of anybody else in this report.
Place: Pune
Date:
Saurabh Surve
3. CERTIFICATE
This is to certify that Mr. SURVE SAURABH SURESH of Master Of
Commerce - Semester IV (2018-19) has successfully completed the project on
SAVING AND INVESTMENT under the guidance of Dr.J.R.LANJEKAR.
Course Coordinator
Principal
Project Guide/ Internal Examiner
External Examiner
4. ACKNOLEGEMENT
Before we get into thick of things, I would like to add a few words of
appreciation for the people who have been a part of this report right from its
inception. The writing of this report has been one of the significant academic
challenges I have faced and without the support ,patience, and guidance of the
people involved, this task would not have been completed. It is to them I owe
my deepest gratitude. It gives me Immense pleasure in presenting this project
report on " SAVING AND INVESTMENT AWARENESS IN
MIDDLECLASS PEOPLE". It has been my privilege to have a team of report
guide who have assisted me from the commencement of this report .I hereby
take this opportunity to add a special note of thanks for Dr.J.R.LANJEKAR,
who undertook to act as my mentor despite her many other academic and
professional commitments. Her wisdom, knowledge, and commitment to the
highest standards inspired and motivated me .Without her insight, support, and
energy, this project would not have kick-started and neither would have reached
fruitfulness. The report is dedicated to all those people, who helped me while
doing this research report.
5. INDEX
Sr. no. Title Page no.
1. Introduction 01
2. Objective of study 02
3. Research methodology 04
4. Data collection and Analysis 05
5. Finding 10
6. Conclusion 11
7. Bibliography 12
6. INTRODUCTION
.
In India the socio-economic profile of the people changes dramatically. Today people
are not only spending on products and services, earlier considered a luxury but are also
looking at smarter ways of investing their money. This is mainly due to the fact, that people
today not only have a wider choice of investing in different saving instruments, but are also
more educated and aware about their choices. People are now moving beyond the traditional
saving options of fixed deposits, post office savings to wider investment options in the form
of insurance, mutual funds, bonds, equities and even property. Saving is income not spent, or
deferred consumption. Methods of saving include putting money aside in a bank or pension
plan. Saving also includes reducing expenditures, such as recurring costs. In terms of
personal finance, saving specifies low-risk preservation of money ,as in a deposit account,
versus investment, wherein risk is higher .
What is savings?
Income – expenditure = savings.
In today’s rapidly changing financial environment, it is critical that individuals not
only protect and enhance their current financial resources, but also prepare for future security
and against loss of income. This requires careful planning and prudent management of one’s
financial assets. Financial planning is the key and the first step towards fulfilling ones dreams
and aspirations whether it is about providing for the family, buying a home or a car. Good
planning also ensures financial security for the family throughout life, even in the eventuality
of the death of the earning member of the family. Financial Planning Advisers who can assist
in determining the right plan and amount of coverage required. Consumers are now exposed
to an array of modern and innovative products. Depending on the needs of the customers.
What is Investment ?
Investment is the certain p resent value for the uncertain future reward. It entails
arriving at numerous decision such as types, mix, amounts, timing, grade etc. of investment
and disinvestment .further such decision making has not only to be order to get return on it’s
in the future, which is known as investment .There are various investment avenues such as
equity, bonds, insurance and bank deposit etc. A portfolio is a combination of different
investment assets mixed and matched for the purpose of achieving gold. There are various
factors which affects investors Portfolio such as annual income government, policy natural
calamities, economical changes etc.
1
7. Features of an investment program:
In choosing specific investment investor will need definitely ideas regarding features which
their investment avenues should possess. These features should be consistent with the
investor general objectives an in addition, should afford them all the incidental convenience
and advantages. Which are possible under the circumstances? The following are the
suggested features as the ingredients from which many successful investors compound their
selection policies.
1. Safety of principle: The investor to be certain of the safety of principle should
carefully review the economics and industry trends before choosing the types of
investments. Error are avoidable and therefore, to ensure safety principle, the investor
should consider diversification of assets
2. Liquidity: Even investor requires a minimum liquidity in his investment to meet
emergence .liquidity will be ensured if the investor buys a proposition of readily
saleable securities out of his total portfolio.
3. Income stability: Regularly of income at a consistent arte is necessary in any
investment pattern. Not only stability, it is also important to see that income is
adequate in after taxes. It is possible to fins outcome good securities, which pay
particularly all their earnings in dividends.
4. Appreciation and purchasing power stability: Investor should balance their
portfolio s to fight against any purchasing power stability .Investor should judge price
level inflation, explore their possibility of gain and loss in the investments available to
them .
5. Legally and freedom from care: All investments should be approved by law. Law
relating to minors, trusts, shares and insurance be studied will brings out many
problem for the the investor.
Key Differences between Savings and Investment :
Saving is setting aside money you don’t spend now for emergencies or for a future
purchase. It’s money you want to be able to access quickly, with little or no risk, and with the
least amount of taxes. Financial institutions offer a number of different savings options.
Investing is buying assets such as stocks, bonds, mutual funds or real estate with the
expectation that your investment will make money for you. Investments usually are selected
to achieve long-term goals. Generally speaking, investments can be categorized as income
investments or growth investments.
2
8. OBJECTIVE OF THE STUDY:
1) To know the mode of investments of the middleclass people in various investment
avenues.
2) To study the factors influencing the investment behaviour of the Middleclass People.
3) To analyse the pattern of investment and saving among the investors.
4) To find the problems that are faced by the investors.
5) To study the factors influencing enquires into the profile, portfolio practices, experiences
,preferences & risk, perceptions, and intentions of Middleclass People.
NEED OF THE STUDY:
This analysis on individual investor’s behaviour is an attempt to know the profiles of
the investor and also know the characteristic of the investors so as to know their preference
with respect to their investments. The study also tries to unravel the influence of demographic
factors like age on risk, tolerance level of the investor.
SCOPE OF THE WORK:
This analysis is based upon investor’s behaviour for saving and investment
preference, awareness, during normal time Vis-a-vis recessionary period. This analysis would
be focusing on the information from the middleclass people about their knowledge,
perception, and behaviour on different financial products. As the analysis is based on primary
as well as secondary data. Investment pattern has been analysis has been limited to only 40
individuals/people.
3
9. RESEARCH METHODOLOGY:
Sample Size: The sample size denotes the number of elements selected for the study. For the
present study, the sample size is 40 individuals/responded.
Data collection:
Data was collected by using main two methods i.e. primary data and secondary data.
Primary data: - Primary data are those collected by the investigator himself/herself for the
first time and thus they are original in character, they are collected for particular purpose.
Combination of non-probability connivance sampling technique and snowball sampling will
be used for collecting the data from different investor. The middleclass people are selected by
the connivance sampling method. The selection of units from the population based on their
easy availability and accessibility to the researcher is known as sampling. Information is
collected by conducting a survey by distributing a questionnaire to 40 people. These 4people
are of different age group, different occupation, different income level and different
qualification.
Questionnaire Design: - Here in our research we set questions for salaried individuals and
answer can be easy to fill out with minimum amount of time and efforts and request the
customer to answer these questions with correct information .The questionnaire consisted of
Close ended questions .
Secondary Data: Secondary data are those, which have already been collected by some
other persons for their purpose. Secondary data are usually in shape of finished products.
External data: was generated from internet websites
Statistical Tools: There are various statistical tools which are used in analysing data. The
following tools are used for representing and analysing data. Data Representation:
Table
Percentage
Diagram
Chart
4
10. DATA COLLECTION NAD ANALYSIS
GENERAL INFOEMATION
Gender and Age
Occupation
Qualification
5
0
2
4
6
8
10
12
14
0-25 25-40 40-50 Above 50
Male
Female
Age Male Female
0-25 12 12
25-40 5 4
40-50 2 1
Above 50 3 1
Occupation People
Service 15
Other 11
Profession 8
Business 6
Qualification people
Post graduate 25
Undergraduate 5
Other 10
11. Annual Income
Are you aware of the saving and investment concept?
From which source you come to know about various Investment option?
6
Annual income People
Below ₹ 2 lakhs 13
2-5 lakhs 14
5-10 lakhs 9
Above 10 lakhs 4
12. What is your saving objective?
In which sector do you prefer to invest your money ?
7
13. Do you consult your friends and / or relatives before making an
investment choice?
What % of your income do you invest?
8
14. What is the time period you prefer to invest?
Which factor do you consider before investing?
which option prefer to investment?
9
15. FINDINGS
1. Most of the Middleclass people are aware about the saving and investment concept.
2. Study reveals that major information sources for investments option are friends/relative,
Bank /Broker.
3. Most of the middleclass investors saving objective is to achieve long term growth.
4. Most of Middleclass investor prefer to invest in Government and private sector.
5. Study reveals that major investor sometime consult your friends and relatives before
making an investment.
6. Study reveals that majority of the individuals consider High return.
7. Majority of the investor prefer Long-term to invest.
8. Majority of the investor prefer to invest their money in to Mutual funds, Bank deposit and
Gold.
10
16. CONCLUSION:
This report is a reflection of the awareness and factors considering, risk taking ability of the
various categories of middleclass investors. Selection of the perfect investment avenue is a
difficult task to an middleclass investors. An effort is made to identity the taste and
preference of a sample of individuals selected by connivance and snowball sampling. This
report concentrated in identifying the factors considered individuals before investment,
awareness level of middleclass people towards various investment avenues are identified
based on their occupations, investors risk in selecting a particular avenue . After the analysis
& interpretation of data by the researcher it is concluded that Investors are very well aware
about investment and saving option available in the market though the relative/friends and
bank /brokers ,and this invest and saving made for the purpose of achieving long term
growth. The most of the middleclass investors are preferring to invest in their money in
government and private sector specially in mutual fund ,bank deposit, gold . In this research
study data analysis of research reveals that the high return and safety of principle is
concerned as important factor while doing investment, so remaining factor are less
considerable while doing investment by investors.
Finally I am concluded that the middleclass investor prefer to invest their money in
mutual fund ,bank deposit and gold for the purpose of high return and saving.
11