1. “ULIPS v/s Mutual fund” as an Investment Option among the Investors of Ludhiana Presented by- Maninder Vadhrah

3. Aimed to finance the growing trade between Europe, India & China.

4. By 1880s, the bank was acting as banker to Hong Kong Government.

6. Headquarters in London.

9. It has 47 branches & 170 ATMs across 26 cities.

10. It has over 34,000 employees in its Banking, Investment Banking & Capital Markets.

12. HSBC acquired 43.85% of InvestSmart from E*TRADE Mauritius Ltd.

13. HSBC has accepted shares to Public shareholders equivalent to 20.65% of InvestSmart’s capital.

16. Advisory Services.

18. Smart Invest

20. Other Services Online services. Research and Financial Analysis. Value added services.

22. Mr. AvdhootDeshpande Head - Equity and Capital Markets

23. Mr. Vipul Shah Head - NBFC

24. Mr. Dharmen shah Vice President - Institutional Equity

25. Mr. JaideepAnandSenior Vice President - Institutional Sales & Dealing

26. Mr. C. Diwakar Chief Information Officer

28. SWOT ANALYSIS Strengths:- Customization. Expertise. Unique Features. Research Agency. Extensive reach. Brand image. Competitive pricing. Weaknesses:- Expensive Products. Tedious Procedures. Fund Transfer. Attrition.

29. Continued………. Opportunities:- Right Time to Investors to re-enter into market. Huge untapped Markets. Increasing number of Graduates. Increase Tie-ups for Fund Transfer. Threats:- Stiff Competition. Increasing awareness of Mutual Funds & ULIPS.

30. RATIO ANALYSIS Current Ratio

31. Quick Ratio

32. Return on Total Assets

33. Net Profit Ratio

34. Debt-Equity Ratio

39. Multiple investment options

40. Flexibility

41. Works like an SIP

43. Lack of Flexibility in Life cover

44. Overstating the Yield

45. Internally made Sales Illustration

46. Not all Show the Benchmark Return

47. Early exit Options

50. Set up of Mutual fund

51. Types of Mutual Fund Scheme By Structure Open ended Scheme. Close ended Scheme. Interval Scheme. By Investment Objective Growth Scheme. Income Scheme. Balanced Scheme. Money Market Scheme. Other Schemes Tax Saving Scheme. Special Scheme.

52. Advantages of Investing in Mutual Funds Diversification Professional management Liquidity Convenience

53. Disadvantages of Investing in Mutual Funds No Guarantees Fees and commissions Taxes Management risk

56. Cost

57. Investment Duration

58. Flexibility

59. Liquidity

60. Investment Objective

63. To compare the investment in ULIPS plan with the Mutual fund.

64. To study the degree of risk involved in both.

68. Annual income of the investors

69. Factors consider by investors before investing in ULIPS and Mutual fund

70. Information Sources helpful to the investor in making investment decision

71. Preference of investor regarding different types of funds

72. The reasons for investing in ULIPS 49 31 11 7 2 53 34 8 3 2 38 34 14 9 5 22 23 13 29 13

73. The reason for investing in Mutual Fund 24 26 8 21 16 48 39 5 6 2 32 28 7 24 9

74. Preference of ULIPS or mutual fund on the basis of following factors

75. Investment in ULIPS and Mutual fund by risk profile

76. Expected annual Return from both ULIPS and Mutual fund

77. Preferred tenure of investment for ULIPS and Mutual Fund

78. Awareness among peoples regarding the controversy of ULIPS

79. Preferred investment option for investing their money in future

80. Findings People are aware regarding ulips &Mutual fund but, the awareness regarding mutual fund is high comparative to ulips. People with high income group are more likely to invest their money but, people who invest in both ulips and mutual fund mostly belongs to the income group of more than 6 lacs. Broker and reference group plays an important role while making an investment decision of an investor. Open ended funds & closed funds are more popular among investors of Ludhiana.

83. The expected annual return is high for mutual fund comparative to ulips.

87. The expectation of the people from the mutual funds is high. So, the portfolio of the fund should be prepared taking into consideration the expectations of the people.

89. Companies should give regular dividends as it depicts profitability.

90. Companies should give handsome brokerage to brokers so that they get attracted towards distribution of the funds.