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.
Fiduciary or paper money is issued by the Central Bank on the basis of
computation of estimated demand for cash. Monetary policy guides the Central
Bank’s supply of money in order to achieve the objectives of price stability (or low
inflation rate), full employment, and growth in aggregate income.
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.
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.
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 Investors Perception towards Mutual Fund Investments (With Special...Dr. Amarjeet Singh
This examination on Investors acknowledgment
towards and late improvement and headway of Mutual Fund
premiums in Alwar city goes under the board an area of
organization publicizing. In the wide thought of organization
publicizing it exclusively centers around the exhibiting of cash
related organization specifically basic resources. Well ordered
Indian budgetary market is getting the chance to be engaged
and the supply of various fiscal instruments ought to be in
parity to the premium perspectives of the monetary
authorities. The prime drive of any hypothesis is to get most
extraordinary returned with a base danger and normal
resources allow to the budgetary masters. The examination
gives an information into the sorts of risks which exist in a
mutual save plan. The data was assembled from shared save
budgetary authorities similarly as non basic store examiners of
this industry. The investigation bases on the association
between theory decision and factors like liquidity, cash related
care, and demography. It was found commonly safe resources
and liquidity of store plot are having influence on the
budgetary authority's acumen for placing assets into the
mutual save. With the more broad thought of the distinctive
components of organization publicizing, thing care, mark
tendencies, and money related authority's satisfaction are the
specific regions of the examination. The other displaying limits
like thing progression publicize division, channels of
exhibiting, thing life cycle, scale headway procedures and their
impact of Marketing are completely disposed of from the audit
of this examination. So likewise the availability of substitute
aftereffect of normal hold units and their impact on this
organization thing it also rejected in the examination. In
reality, even in the normal store monetary authorities lead also
the researcher concentrate only the urban theorists and their
anxiety for this examination work. The rustic speculator's
perspectives are totally barred from the investigation.
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.
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.
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
Fiduciary or paper money is issued by the Central Bank on the basis of
computation of estimated demand for cash. Monetary policy guides the Central
Bank’s supply of money in order to achieve the objectives of price stability (or low
inflation rate), full employment, and growth in aggregate income.
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.
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.
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 Investors Perception towards Mutual Fund Investments (With Special...Dr. Amarjeet Singh
This examination on Investors acknowledgment
towards and late improvement and headway of Mutual Fund
premiums in Alwar city goes under the board an area of
organization publicizing. In the wide thought of organization
publicizing it exclusively centers around the exhibiting of cash
related organization specifically basic resources. Well ordered
Indian budgetary market is getting the chance to be engaged
and the supply of various fiscal instruments ought to be in
parity to the premium perspectives of the monetary
authorities. The prime drive of any hypothesis is to get most
extraordinary returned with a base danger and normal
resources allow to the budgetary masters. The examination
gives an information into the sorts of risks which exist in a
mutual save plan. The data was assembled from shared save
budgetary authorities similarly as non basic store examiners of
this industry. The investigation bases on the association
between theory decision and factors like liquidity, cash related
care, and demography. It was found commonly safe resources
and liquidity of store plot are having influence on the
budgetary authority's acumen for placing assets into the
mutual save. With the more broad thought of the distinctive
components of organization publicizing, thing care, mark
tendencies, and money related authority's satisfaction are the
specific regions of the examination. The other displaying limits
like thing progression publicize division, channels of
exhibiting, thing life cycle, scale headway procedures and their
impact of Marketing are completely disposed of from the audit
of this examination. So likewise the availability of substitute
aftereffect of normal hold units and their impact on this
organization thing it also rejected in the examination. In
reality, even in the normal store monetary authorities lead also
the researcher concentrate only the urban theorists and their
anxiety for this examination work. The rustic speculator's
perspectives are totally barred from the investigation.
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.
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.
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 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.
This document summarizes a study on customer preferences for various mutual fund schemes in Thane City, India. It provides background on mutual funds and reviews previous literature on investor preferences and demographics. The study uses a questionnaire to collect data from 100 investors in Thane City and analyzes the data using chi-square tests to determine associations between investor attitudes and age, gender, income level, and education level. Key findings include that younger investors have more preference for mutual funds, males are more favorable than females, mid-income groups prefer funds most, and post-graduates are more favorable toward funds. The study aims to help mutual fund companies improve marketing and understand investor preferences.
An Empirical Study On The Determinants Of An Investor S Decision In Unit Trus...Sara Alvarez
This document summarizes a research study on the factors that influence an investor's decision to invest in unit trusts in Malaysia. The study hypothesized that financial status, risk tolerance, expected investment returns, and access to investment information would significantly impact investment decisions. A survey of 202 investors found that financial status, risk tolerance, and sources of information did significantly influence investment behavior, but expected returns did not have a clear relationship. The findings help financial institutions understand investor preferences to better target customers and promote unit trust investments.
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.
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
This document summarizes a research article that analyzes the influence of characteristics of mutual funds on investment decisions. It begins with background on mutual funds and how they pool savings from individual investors. The study aims to understand what factors drive people's decisions to invest in mutual funds by looking specifically at how characteristics of the mutual funds themselves influence those decisions. The hypotheses are that there is a positive relationship between mutual fund characteristics and investment decisions, or there is not. The methodology uses both secondary data from literature and primary data collection to test this.
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 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.
The Influential Investor. How UHNW and HNW investor behaviour is redefining p...Scorpio Partnership
The Influential Investor examines the forces that will shape the future of the wealth and investment management industry over the next ten years. The paper delves into the factors that influence UHNW investor behaviour and the ways investors are rethinking their goals for the future. Scorpio Partnership worked alongside the Economist Intelligence Unit and TNS as the recognised specialist on HNW insight
A FINANCIAL STATEMENT ANALYSIS OF COMPANIES WITH DIFFERENT OWNERSHIP CONCENTR...Fiona Phillips
This document provides a literature review on research related to the relationship between ownership concentration and firm performance. It discusses several theories on how ownership structure can impact firm value and reviews studies that have examined the effects of incentives and managerial ownership levels. The literature review finds mixed results from prior research and conflicting theories on the relationship between ownership concentration and performance. It aims to contribute to the body of research on this topic.
A CONCEPTUAL FRAMEWORK FOR RESEARCH ON INVESTMENT DETERMINANTS AMONG NON-INST...IAEME Publication
In modern economic world income plays a very vital role in every one’s daily life.
Investment has been one of the major concerns for the Non-institutional investors as
their today’s small savings would be meeting with the expenses of tomorrow. The risk
and returns proportion from each of these investment options varies from one to
another. Investor’s behavior plays an important role in investment decision making,
which is influenced by many a factors during the process of investment decision
making. Today, investors have many avenues of investment with different features to
cater their present and future needs. The focus of this paper (non-institutional
investors), unlike institutional investor, suffers from various sort of perception while
deploying their funds due to their low investible funds, risk taking capacity, low
investment education and their exposure to evaluate the available information. This
situation of the non-institutional investors motivates to study as these investors are the
finest source of small savings in investment set-up of the country. This paper presents
a conceptual framework for research on investment determinants among noninstitutional investors to be carried out further by the researchers.
The document provides an overview of various investment avenues available in the current financial year. It discusses key concepts like inflation, risk profiling of investors, and strategies for robust investment and financial planning. The objectives are to understand different asset classes and products, and elicit an in-depth coverage of major investment avenues and their performance over the past couple of years to arrive at an optimal asset allocation keeping in mind risk appetite and investment goals. Key investment avenues discussed include equity, debt, mutual funds, real estate, commodities, and more.
Mutual fund is the better investment planProjects Kart
Mutual funds provide several benefits over other investment options such as banks deposits and stocks. They allow small investors to access a diversified portfolio of securities for a low cost. Mutual funds provide professional management, risk reduction through diversification, liquidity, and convenience. However, investors have little control over costs and cannot create tailored portfolios. The study aims to help new investors understand how to evaluate the risk and return of mutual funds and select appropriate schemes given the current economic environment of falling interest rates and volatile stock markets.
The document discusses a student research project on the primary market. It provides definitions of the primary market as dealing with the issuance and sale of new securities directly from the issuer to investors. Companies, governments, and public institutions can raise funds through new stock or bond issues in the primary market. The objectives of the study are to understand investor preferences for different sectors/industries, factors affecting decisions in new primary issues, and major information sources for investors. The methodology and findings of the study are also summarized.
34. A Study Of The Invesement Pattern Of Bank EmployeesBryce Nelson
This document summarizes a study on the investment patterns of bank employees. The study analyzed how demographic factors like age, gender, income level, and education influence the investment preferences of bank workers. A questionnaire was used to collect data from bank employees, which was then analyzed using statistical tests. The results showed that most bank employees invest primarily for safety and security. Common investment vehicles included bank deposits, gold/jewelry, real estate, and government bonds. The study aims to provide guidance for personal finance and investment decisions.
Fixed Deposits and Mutual funds- Final Research ProjectDivyansh Kaushik
This research paper speaks about the changing perception of the investors from fixed deposits to mutual funds. The paper was done to see the benefits of both these investment ways and finding out the best and the most popular among the students and people.
Portfolio evaluation and investment decision finance reportStudent
This document is a project report submitted by Chirag Mehta to the Aditya Institute of Management Studies and Research in partial fulfillment of an MMS degree. The report focuses on portfolio evaluation and investment decisions. It includes an abstract, table of contents, introduction, literature review, analysis, findings, and conclusion. The project was conducted under the guidance of Professor Srinjay Sengupta and aims to help investors identify effective portfolios and understand the role of securities in investment decisions.
The document summarizes the key findings of a research study conducted by the Center for Applied Research on how investor behavior is redefining performance in the investment industry. The summary is:
1) The study found that both retail and institutional investors are often not acting in their own best interests, exhibiting behaviors that do not align with their long-term goals. For example, retail investors said they need to be more aggressive but allocate heavily to cash, while institutional investors increased allocations to complex alternative assets despite not feeling prepared to handle the associated risks.
2) The behaviors seem to be driven by investors' growing awareness of instability in the financial system due to factors like extensive central bank interventions and increased global correlations.
3
This document provides an overview of investment options in India and discusses the need for investment planning. It summarizes various investment options like stocks, bonds, real estate, gold, and mutual funds. It states that an investor should evaluate investments based on parameters like safety, liquidity, returns, entry/exit barriers, and tax efficiency. The document then discusses the introduction to investments, need and importance of studying investments, scope of the study, objectives of the study, methodology, limitations of the study, and provides a profile of ICICI Bank.
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.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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.
This document summarizes a study on customer preferences for various mutual fund schemes in Thane City, India. It provides background on mutual funds and reviews previous literature on investor preferences and demographics. The study uses a questionnaire to collect data from 100 investors in Thane City and analyzes the data using chi-square tests to determine associations between investor attitudes and age, gender, income level, and education level. Key findings include that younger investors have more preference for mutual funds, males are more favorable than females, mid-income groups prefer funds most, and post-graduates are more favorable toward funds. The study aims to help mutual fund companies improve marketing and understand investor preferences.
An Empirical Study On The Determinants Of An Investor S Decision In Unit Trus...Sara Alvarez
This document summarizes a research study on the factors that influence an investor's decision to invest in unit trusts in Malaysia. The study hypothesized that financial status, risk tolerance, expected investment returns, and access to investment information would significantly impact investment decisions. A survey of 202 investors found that financial status, risk tolerance, and sources of information did significantly influence investment behavior, but expected returns did not have a clear relationship. The findings help financial institutions understand investor preferences to better target customers and promote unit trust investments.
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.
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
This document summarizes a research article that analyzes the influence of characteristics of mutual funds on investment decisions. It begins with background on mutual funds and how they pool savings from individual investors. The study aims to understand what factors drive people's decisions to invest in mutual funds by looking specifically at how characteristics of the mutual funds themselves influence those decisions. The hypotheses are that there is a positive relationship between mutual fund characteristics and investment decisions, or there is not. The methodology uses both secondary data from literature and primary data collection to test this.
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 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.
The Influential Investor. How UHNW and HNW investor behaviour is redefining p...Scorpio Partnership
The Influential Investor examines the forces that will shape the future of the wealth and investment management industry over the next ten years. The paper delves into the factors that influence UHNW investor behaviour and the ways investors are rethinking their goals for the future. Scorpio Partnership worked alongside the Economist Intelligence Unit and TNS as the recognised specialist on HNW insight
A FINANCIAL STATEMENT ANALYSIS OF COMPANIES WITH DIFFERENT OWNERSHIP CONCENTR...Fiona Phillips
This document provides a literature review on research related to the relationship between ownership concentration and firm performance. It discusses several theories on how ownership structure can impact firm value and reviews studies that have examined the effects of incentives and managerial ownership levels. The literature review finds mixed results from prior research and conflicting theories on the relationship between ownership concentration and performance. It aims to contribute to the body of research on this topic.
A CONCEPTUAL FRAMEWORK FOR RESEARCH ON INVESTMENT DETERMINANTS AMONG NON-INST...IAEME Publication
In modern economic world income plays a very vital role in every one’s daily life.
Investment has been one of the major concerns for the Non-institutional investors as
their today’s small savings would be meeting with the expenses of tomorrow. The risk
and returns proportion from each of these investment options varies from one to
another. Investor’s behavior plays an important role in investment decision making,
which is influenced by many a factors during the process of investment decision
making. Today, investors have many avenues of investment with different features to
cater their present and future needs. The focus of this paper (non-institutional
investors), unlike institutional investor, suffers from various sort of perception while
deploying their funds due to their low investible funds, risk taking capacity, low
investment education and their exposure to evaluate the available information. This
situation of the non-institutional investors motivates to study as these investors are the
finest source of small savings in investment set-up of the country. This paper presents
a conceptual framework for research on investment determinants among noninstitutional investors to be carried out further by the researchers.
The document provides an overview of various investment avenues available in the current financial year. It discusses key concepts like inflation, risk profiling of investors, and strategies for robust investment and financial planning. The objectives are to understand different asset classes and products, and elicit an in-depth coverage of major investment avenues and their performance over the past couple of years to arrive at an optimal asset allocation keeping in mind risk appetite and investment goals. Key investment avenues discussed include equity, debt, mutual funds, real estate, commodities, and more.
Mutual fund is the better investment planProjects Kart
Mutual funds provide several benefits over other investment options such as banks deposits and stocks. They allow small investors to access a diversified portfolio of securities for a low cost. Mutual funds provide professional management, risk reduction through diversification, liquidity, and convenience. However, investors have little control over costs and cannot create tailored portfolios. The study aims to help new investors understand how to evaluate the risk and return of mutual funds and select appropriate schemes given the current economic environment of falling interest rates and volatile stock markets.
The document discusses a student research project on the primary market. It provides definitions of the primary market as dealing with the issuance and sale of new securities directly from the issuer to investors. Companies, governments, and public institutions can raise funds through new stock or bond issues in the primary market. The objectives of the study are to understand investor preferences for different sectors/industries, factors affecting decisions in new primary issues, and major information sources for investors. The methodology and findings of the study are also summarized.
34. A Study Of The Invesement Pattern Of Bank EmployeesBryce Nelson
This document summarizes a study on the investment patterns of bank employees. The study analyzed how demographic factors like age, gender, income level, and education influence the investment preferences of bank workers. A questionnaire was used to collect data from bank employees, which was then analyzed using statistical tests. The results showed that most bank employees invest primarily for safety and security. Common investment vehicles included bank deposits, gold/jewelry, real estate, and government bonds. The study aims to provide guidance for personal finance and investment decisions.
Fixed Deposits and Mutual funds- Final Research ProjectDivyansh Kaushik
This research paper speaks about the changing perception of the investors from fixed deposits to mutual funds. The paper was done to see the benefits of both these investment ways and finding out the best and the most popular among the students and people.
Portfolio evaluation and investment decision finance reportStudent
This document is a project report submitted by Chirag Mehta to the Aditya Institute of Management Studies and Research in partial fulfillment of an MMS degree. The report focuses on portfolio evaluation and investment decisions. It includes an abstract, table of contents, introduction, literature review, analysis, findings, and conclusion. The project was conducted under the guidance of Professor Srinjay Sengupta and aims to help investors identify effective portfolios and understand the role of securities in investment decisions.
The document summarizes the key findings of a research study conducted by the Center for Applied Research on how investor behavior is redefining performance in the investment industry. The summary is:
1) The study found that both retail and institutional investors are often not acting in their own best interests, exhibiting behaviors that do not align with their long-term goals. For example, retail investors said they need to be more aggressive but allocate heavily to cash, while institutional investors increased allocations to complex alternative assets despite not feeling prepared to handle the associated risks.
2) The behaviors seem to be driven by investors' growing awareness of instability in the financial system due to factors like extensive central bank interventions and increased global correlations.
3
This document provides an overview of investment options in India and discusses the need for investment planning. It summarizes various investment options like stocks, bonds, real estate, gold, and mutual funds. It states that an investor should evaluate investments based on parameters like safety, liquidity, returns, entry/exit barriers, and tax efficiency. The document then discusses the introduction to investments, need and importance of studying investments, scope of the study, objectives of the study, methodology, limitations of the study, and provides a profile of ICICI Bank.
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.
Ähnlich wie Impact of marketing on fianancial instrument (20)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
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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.