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. Impact of Marketing Of
Financial Instrument On
Younger Generation

2. PRESENTED BY
▪ Vinit Gupta
▪ Namrata Jawalkar
▪ Sakshi Jaiswal
▪ Rosario D’Lima
▪ Rutuja Jadhav
▪ Ayush Ganvir
▪ Omkar Khode

3. INTRODUCTION
Investment is a process of funding money in both financial and real assets. Both risk and
gain involve in investment. In the current scenario, updating knowledge on different
investments is very vital. Investment knowledge and the amount of investment at the right
place and time will determine the success of the investment. Generally financial system involves
financial services, instruments, institutions and markets which are all interrelated to each other. With
the intention of modernizing the financial sector, new terminologies relating to financial instruments
have been developed recently which includes: Money Market Mutual Funds, Mutual Funds, Certificate
of Deposit, Discount and Finance House of India, Factoring and Treasury Bills, and Commercial Paper.
Through these constituents, financial sector fulfill the needs and requirement of individuals,
companies and institutions.

4. PROFILE :
A mutual fund is an Investment Company wherein the money can be collected from many investors
and invest such money in bonds, money-market instrument, stocks, other securities or even cash”.
Based on funds objective, the fund manager deposits collected money in an appropriate market
The SEBI (Mutual Funds) Regulations 1993 define a Mutual Fund (MF) as a fund established in the
form of a trust by a sponsor to raise funds by the Trustees through the sale of units to the public
under one or more schemes for investing in securities in accordance with these regulations. It's
said that the only true miracle is compound interest. Young people may earn less money, but
investing in your twenties will give your savings several decades to grow. A thousand-dollar
investment in the stock market, which typically gains around 7% per year, could be worth more than
seven thousand dollars after thirty years. Moreover, tax-advantaged retirement accounts and
employer matching contributions give you even more reason to take advantage of those benefits.
C.M.Kulshreshtha (1994)2 defines mutual fund as, “it is a financial intermediary which pool the
saving of numerous individuals and invest the money thus raised in a diversified portfolio of
securities, including equity, bonds, debentures and other instrument thus spreading and reducing
risk.”

5. EVALUATION OF MUTUAL FUNDS :
When evaluating mutual funds, several critical factors and metrics should be considered. These
include performance history, risk and volatility, expense ratio, load or no-load status, asset under
management (AUM), manager experience, portfolio composition, turnover ratio, distribution
history, tax efficiency, ratings from services like Lipper or Morningstar, and alignment with your
investment objectives. It's essential to read the fund's prospectus, be aware of fees and loads,
and consider sustainability and ESG factors if they align with your values. Diversification and
seeking advice from a financial advisor are crucial for making informed investment decisions.
Remember that past performance doesn't guarantee future results.
So it's essential to consider multiple factors when evaluating mutual funds
and to diversify your investments to manage risk effectively. Additionally,
consider seeking advice from a financial advisor to make well-informed
investment decisions based on your unique financial situation and goals.

6. OBJECTIVES OF STUDY :
1. To study the growth of mutual funds.
2. To evaluate the performances of selected mutual funds Schemes.
3. To study the investors’ preferences in mutual fund schemes
4. To analyze the factors that influences the investors’ choice of mutual fund scheme.
5. To offer suggestions for better performances of mutual funds.

7. SCOPE OF THE STUDY :
1. The study covers the mutual fund investors of the city of Chennai
2. The research gives an understanding of the investors’ preferences on the various
mutual fund schemes.
3. The study will help in generating a new scheme according to the expectation of the
investors.
4. The study will also help the mutual fund companies to reach the investors in a better
way and also to improve upon their performances.

8. LITERATURE REVIEW :
Dr. Sandeep Bansal, Deepak Garg and Sanjeev K Saini (2012), have studied Impact of Sharpe
Ratio & Treynor’s Ratio on Selected Mutual Fund Schemes. This paper examines the
performance of selected mutual fund schemes, that the risk profile of the aggregate mutual
fund universe can be accurately compared by a simple market index that offers comparative
monthly liquidity, returns, systematic & unsystematic risk and complete fund analysis by using
the special reference of Sharpe ratio and Treynor’s ratio.

9. ▪ Changing Investment Preferences of Younger Investors
▪ Impact on Asset Management Industry
▪ Tech-Savvy Investors and Fintech
▪ Market Impact
▪ Risk Tolerance and Investment Strategies
▪ Education and Financial Literacy
▪ Impact on Long-Term Savings and Retirement Planning
▪ Regulatory Considerations
▪ Challenges and Risks
▪ Behavioral Finance Insights

10. RESEARCH METHODOLOGY :
• combination of two types of research methodologies have been employed in
this study which is exploratory research and Descriptive research. Exploratory research is
employed by reviewing existing literature to comprehend and gain insight of the concept of mutual
funds and its performance, scheme preferences and the factors influencing the mutual fund
investment decision making. On the other hand Descriptive research is employed by using a
research instrument to conduct surveys among mutual fund investors. In this study survey
conducted among mutual fund investors to describe about the fund selection and motivational
factors influencing the investors.
• This research also involves Primary Data that is collected for the first time through personal
experiences or evidence, particularly for research. It is also described as raw data or first-hand
information and Secondary Data involving surveys reviews observations collected through
primary data and other articles.

11. DATA ANALYSIS AND INTERPRETATION :
Percentage analysis is one of the statistical measures used to describe the characteristics of
the sample or population in totality. Percentage analysis involves computing measures of
variables selected for the study and its finding will give easy interpretation for the readers. This
Research includes demographic features of the respondents collected through gathered
information from them. Some variables involving parameters such as age, gender, education,
marital status, occupation, individual income and their investing period. These personal profiles of
the investors help to understand their investment behavior and pattern. Apart from the general
information, this section also deals with analyzing investor’s attitude and preferences towards
mutual fund.

12. Age of the
Investors: Below Frequency Percentage
Below30 141 28.9
30-40 153 30.6
40-50 149 29.8
Above 50 57 11.4
Total 500 100.0
Majority Of the investors in
mutual funds are the young
generation with surplus income.
Age plays a prominent role in
mutual fund investment as young
population has surplus income to
invest and the middle age group
investors require additional
income to run the family and for
future expenses like education
and marriage expenses of their
children or for purchase or
construction of house.
Age of the investors.

13. GENDER FREQUENCY PERCENTAGE
Male 343 68.6
Female 157 31.4
Total 500 100
2. Gender has played a
significant factor in mutual
funds, since it is a male
dominant market they are
keener in various investments
when compared to the
females. Since a woman
tends to take lesser risk when
compared to men there is an
impact of gender when it
comes to the investment in
mutual funds.

14. Educational
Qualification
Frequency Percentage
Up to HSC 62 12.4
Graduate 221 44.2
Post Graduate 120 24.0
Professional 97 19.4
Total 500 100.0
3. Educational qualification of
the Investors It is a well-
known fact that the pattern of
investment differs in
accordance to the level of
literacy of the investors, thus it
is a clear fact that increased
qualification indicates the
higher level of awareness
amongst the investors and the
risk borne during investment.

15. Occupation of the Investors
4. Occupation of the Investors
The vital social factor in the
investment decision is the
occupation of the investor.
The people in the field of a
steady occupation saves more
when compared to the other
who has irregular pattern in
their occupation, thus there is
a direct proportion of the
investors saving and
investment pattern.
Occupation Frequency Percentage
Service 196 39.2
Business 136 27.2
Professionals 117 23.4
Retired 51 10.2
Total 500 100.0

16. Marital Status Of The Investors
5. Marital status of the
Investors When a line of
comparison is drawn between
the responsibility of married
and unmarried investors, the
scales move more towards the
married people, which clearly
states that the level of
responsibility is high. The hard
earned money will be carefully
invested by a married person
since they are always known
for their saving spree and they
invest the money in the term
of prospect that it may be
useful in the future for various
expenditure and need.
Marital Status Frequency Percentage
Married 357 71.4
Unmarried 143 28.6
Total 500 100.0

17. Type Of Family Of The Investors
6. Type of family of the
Investors The family type of
investors is very vital with
regard to investment decision.
Joint family has more
consultation with their family
members and their
investment is highly
influenced by their family
members. On the other hand
in Nuclear family one or two
members only involved in
investment decision.
Type of family Frequency Percentage
Joint 237 47.4
Nuclear 263 52.6
Total 500 100.0

18. Monthly income
(Individuals)
Frequency Percentage
Less than Rs.10000 91 18.2
Rs.10000- Rs.15000 97 19.4
Rs.15000- Rs.20000 59 11.8
Rs.20000- Rs.25000 64 12.8
Rs.25000- Rs30000 107 21.4
Above Rs. 30000 82 16.4
Total 500 100.0
7. Monthly income
(Individuals) of the Investors
Monthly Income of the
investors only determines the
amount of investment.
Income of the investor not
only decides the investment
amount but also the
percentage of savings which
turns Into investment.

19. FINDINGS :
A questionnaire survey revealed that 75% of respondents prioritize low-risk investments, while 15%
seek high returns. Younger individuals hesitate to invest due to expenses, while those aged 25-40
show more interest. An equal split of 50% prefers open-ended and close-ended schemes.
Knowledge about finance is considered crucial for confident investing. Younger generations should
start early, diversify, and assess their risk tolerance to make informed investment choices.
Furthermore, the younger generation faces unique challenges in investment knowledge, such as lower
experience and financial literacy. To address these challenges, they should be aware of key investment
principles:
1.Starting Early: Young investors should take advantage of compounding by starting their investment
journey early, which allows for a longer time horizon and potentially higher returns.
2.Diversification: Diversifying investments across different asset classes is essential to manage risk and
maximize potential returns.
3.Risk Tolerance: Younger individuals typically have a higher risk tolerance, but they should still assess
and understand their personal risk tolerance to align their investment strategies with their financial goals.
The younger generation can benefit from starting early, diversifying their portfolios, and understanding
their risk tolerance to make informed investment decisions.

20. CONCLUSION :
In conclusion, Investing in mutual funds is a wise choice for the younger generation due to its
potential for wealth growth and portfolio diversification. Mutual funds offer professional
management, accessibility, and low minimum investment requirements, making them suitable for
young investors. Early investments leverage the power of compounding for long-term returns,
helping achieve financial goals and secure their future.
Marketing plays a pivotal role in educating the younger generation about financial instruments.
Targeted campaigns can enhance their understanding of savings, investments, and budgeting,
empowering them to make informed financial decisions. However, marketing should be cautious
not to oversimplify financial complexities, create unrealistic expectations,
or encourage impulsive decisions, which can lead to incorrect investments.

21. REFERENCE :
1. U.S Securities and Exchange commission (2010) Available at:
http://www.iasplus.com/en/resources/sec
2. Kulshreshtha C M(1994) Mastering Mutual Funds - Opportunities & Risk Management for the
Individual Investor, Vision Books, New Delhi,
3. Vidhyashankar, S. (1990), ‘Mutual Funds: Emerging Trends In India’, Chartered Secretary, 20(8),
pp.639-640. Vol. 56 (3), pp. 30-38.
4. Shanmugham, R., 2000, “Factors Influencing Investment Decisions”, Indian Capital Markets –
Trends and Dimensions (ed.), Tata McGraw-Hill Publishing Company Limited, New Delhi,
5. Pradip Kar, I.Natarajan, J.P.Singh (2000), “Survey of Indian investors” - Securities Exchange
6. Woerheide, W. (1982) ‘Investor response to suggested criteria for the selection of mutual funds’,
Journal of Financial and Quantitative Analysis, pp. 129-137.
7. Ippolito, R. (1992) ‘Consumer reaction to measures of poor quality: evidence from the mutual
fund industry’, Journal of Law and Economics, 35, pp. 45-70.

22. THANK YOU.