Objective• To identify the knowledge of the investor in
Raipur city about investment option.• To analyze the reason for choosing one
particular financial instrument.• To signify the best preferred option amongst
different financial instruments.• To study the investors objective towards
choosing an option out of so many.• To analyze the investment pattern preferred
by investors.
Terms used in my topic• Investment:- Investment is to commit money in order to
earn a financial return.
• Investor:- Investor is an individual who commits money to investment products with the expectation of financial return.
• Needs of investors:-• Security of original capital• Wealth accumulation• Comfort factor• Tax efficiency• Life cover• Income• Simplicity• Ease of withdrawal
Terms used in my topic(contd.)
• Preference:- one could interpret that the term “preference” to mean evaluative judgment in the sense of liking or disliking an object .
Or• Preference is an act of preferring, or the state
of being preferred.
Financial instruments• Various financial instruments available in
market which one could invest in are:• Equity• Commodity• Mutual fund• ULIP’s• Fixed deposit• Bonds• Saving bank account• NSC/KVP
Research methodology• Sampling Technique
Sampling method: convenient samplingSample size:100
• Data collection• Primary data collection
primary data has been collected by interacting with 100 respondents and made questionnaire filled by them.
• Secondary data collectionThe secondary data has been collected through various journals and websites.
Analysis
80%
20%
INVESTORS OPINION FOR INVESTING IN FINANCIAL IN-STRUMENTS
yesno
Do you invest in any type of financial instruments?
Analysis(contd.)
12% 1%
22%
10%
2%
28%
15%
3%7%
MOST PREFERRED FINANCIAL INSTRUMENT
Equity
Commodity
Mutual fund
life insurance(ULIP's)
Recurring deposit
Saving account
Fixed deposit
Bonds
NSC/KVP
In which type of financial instruments do you invest?
Analysis(contd.)
risk cover-ing
liquidity returns ease of operation
01020304050607080
1 Rank2 Rank3 Rank4 Rank
What parameters as mentioned below, you consider in making the investments, rank them as per your preference.
PARAMETERS CONSIDERED BY INVESTORS FOR MAKING INVESTMENT
Analysis(contd.)
Government securities and bonds
Mutual funds and fixed deposits
Equity and commodity
other
0% 20% 40% 60% 80% 100%
0-25%26-50%50 % above
DISTRIBUTION OF INVESTMENT OF INVESTORS ACROSS DIFFERENT SECURITIES
What is the distribution of investment across different securities?
Analysis(contd.)
45%
30%
15%
10%
REASON FOR NOT INVESTING
Lack of awareness
Lack of time
Fear factor
Never thought of it
Reasons for not investing in any of the investment options?
Analysis(contd.)
16%
35%
49%
INVESTMENT OBJECTIVE OF INVESTORS
Short term profit seekingGrowth and incomeLong term profit seeking
What are your investment objectives?
Analysis(contd.)
35%
41%
24%
INVESTMENT PATTERN PREFERRED BY INVESTORS
Low risk and returnModerate risk and returnHigh risk and return
What pattern of investment do you prefer?
What is the source of your investment?Analysis(contd.)
01020304050607080
SOURCE OF INVESTMENT PREFERRED BY INVESTORS
No. of respondent
Findings• Majority of respondents i.e.80% investors
invest in financial instruments while remaining 20% do not invest because of lack of time and lack of awareness.
• Most of the investors invest 25% amount in all the financial instruments and from this it is clear that people are not aware about the best investment option so they invest equal amount in all the securities.
• Investors objective for investment is earning long term profit.
Findings(contd.)• Majority of respondents prefer saving account
as investment option for investing but as every individual has not chosen only saving account as their investment option so mutual fund can be preferred as the second most preferred option among all financial instruments.
• Majority of the people prefer high risk and high return as a pattern of investment.
• Most of the investor’s look for higher returns while investing.
Suggestions
• Company should make people aware about the various investment option available in the market.
• Every client should be given a personnel assistance to give him/her a regular & consistent service.
• Karvy should conduct more surveys in order to interact with customer to know the preferences of the customer and also for improving its services.
• Client’s satisfaction and value retention should be given focused to maintain goodwill of the company.
• To prepare an effective marketing strategy a company must study its competitors as well as its actual and potential customer.
Further scope of study• The research has been conducted at Raipur city only. Thus
this research has a scope of being conducted with reference to India also.
• The research has been conducted by taking a particular income group that is middle upper and lower middle. It can be conducted to all the income groups.
• The sampling which has been taken for the research work is convenient sampling it can be done by taking purposive random sampling.
• Government can use such type of study to see the knowledge level of the investors and thus it can be of great use of generating future awareness by seeking different aspects for the investors.
• This study can be used by investment firms also.
Thank you..!!!
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