Академический Документы
Профессиональный Документы
Культура Документы
Do you invest your money to grow ? Investment Basis Yes No Total Response 40 27 67 Percentage 59.7 40.3 100
Response %
40.3
Yes
No
59.7
Figure no. 1.2 Interpretation: This pie-chart shows that there are around 40 respondents who are ready to invest their money with respect to growth. And the rest of them are not ready because of fear of higher risk etc.
Basis Bank Deposits Shares Mutual Funds Real estate Insurance Plan Table
Response 20 10 7 20 10 67
Response %
14.9 29.8
Bank Deposits Shares Mutual Funds
Figure no. 1.3 Interpretation: This pie-chart shows that although the Mutual Funds market, insurance plan is on the rise, yet, the most favored investment continues to be in the bank deposits because of higher return, real estate because of returns and assured earnings and also shares now a times, as investment in shares is also being preference of the investor.
Response 47 20 67
Response %
29.9
Yes No
70.1
Interpretation: As in the above pie chart it is clear from it that majority of the people are ready to invest in stock market being it their interest in doing trading, for earning returns etc. so there are approximately 29.9 % people who are not ready to invest in stock market.
If you invest in stocks , out of following, which intermediating company would you go For? Intermediating company
Basis Kotak Securities Indiabulls India Infoline HDFC Reliance Money Sharekhan Total
Response 10 7 32 10 5 3 67
Resonse %
4.47 7.46 14.92 14.9
10.44
47.76
Sharekhan
Interpretation: In the above it is pretty much clear that maximum respondents will go for India Infoline then HDFC and kotak and so on. Respondents prefer IIFL as their intermediary company because of safety, security, higher returns , proper online trading terminal facility.
Criterias which you look for while investing in stock market ? Criteria for Investment Basis Benefits Security Investment Others Total Response 10 22 28 7 67 Percentage 14.9 32.83 41.79 10.44 100
Response %
10.44 14.9
Benefits Security Investment
41.79
32.83
Others
Figure no. 1.6 Interpretation: As per the overall responses , we get to know the fact that the most of the respondents while investing in stock market look for investment purpose benefits and other criterias i.e 41.79 %
respondents have chosen investment , 32.83 % have gone for security and rest prefer for
Criteria for choosing India Infoline ? Criteria for choosing IIFL Basis Services Investment Tips are good Brokerage Brand Name Expertise Knowledge Total Response 12 15 10 12 18 67 Percentage 17.9 22.38 14.92 17.9 26.86 100
Response %
17.9 26.86
Services
Brand name
Expertise Knowledge
Figure no .1.7 Interpretation: This pie chart shows that respondents have chosen expertise knowledge , investment tips , then go for services and brand image of the India Infoline . This preference is chosen because IIFL has huge expertise involved in their company for the investors.
Basis Income and capital Preservation Long term growth Short term growth Growth and income Others Total
Response 10 10 20 20 7 67
Table no .1.8
Response %
10.44
14.9
Income and capital Preservation Long term growth
29.8
14.9
29.8
Others
Figure no 1.8 Interpretation: The above table and pie chart shows that most of respondents are investing for the sake of growth and income and also the short term growth , thus around 29.8 % respondents have chosen this option.
Are you availing the services of personal financial advisors? Services of personal financial advisors
Response 33 34 67
Response %
49.25 50.74
Yes No
Figure no . 1.9
Interpretation: The response for this particular question was some how the same as some are in favor of having financial advisors because they knew who are they and they will help them in investing in good option. And some responded no because they are illiterate and dont know about functions or importance of financial advisors\.
If yes, what is the major reason for using financial advisors? Reason for using financial advisors
Basis Want help with asset allocation Dont have time to make my own investment decision To explain various investment options Want to make sure I am investing enough to meet my financial goals Total
Response 7 20
15 25 67
Response %
Want help with asset allocation
22.38
Figure no. 1.10 Interpretation: The pie chart above showing that one of the major reason of choosing the financial advisors is they want to sure that they will help the investors in meeting their financial goals. And rest have chosen the other available options.
If no, what is the major reason for not using financial advisor? Reason for not using financial advisors
Basis Have access to all resources needed to invest on own Believe advisors are too expensive Unsure how to find a trustworthy advisor Want to be in control of own investment Total
Response 10 17 27 13 67
Table no .1.11
Response %
14.9
Have access to all resources needed to invest on own Believe advisors are too expensive
19.4
25.3
40.2
Figure no. 1.11 Interpretation: The above pie chart shows that the most of the respondents doesnt want any financial advisors because they are sure whether they will be trustworthy or not and most of the respondents believe that having a financial advisors will be very expensive as it involves huge % of commission
At what rate you want your investment to grow ? Rate at which you invest
Response %
10.44
Steadily Fast rate
52.2
37.3
Average rate
Figure no . 1.12 Interpretation : During the survey every respondents have responded that they would be preferring to invest at average rate because of higher risk is involved and where there is higher return there is higher risk involved in it. The above chart shows that only 10.4 % respondents will go steadily.
Do you consider Inflation a significant risk while investing in shares ? Inflation affecting investment in shares
49.25 50.70%
YES
NO
Figure no. 1.13 Interpretation: The response to this particular question was 50.7% as When it comes to inflation, the question on many investors' minds is: "How will it affect my investments?" This is an especially important issue for people living on a fixed income, such as retirees. The impact of inflation on portfolio depends on the type of securities, thus people who invest only in stocks, worrying about inflation shouldn't keep them up at night. Over the long run, a company's revenue and earnings should increase at the same pace as inflation. And around 49.2 % respondents answer no for this question.
CHAPTER- 5 FINDINGS
FINDINGS
At the survey conducted upon 67 people, out of which 33 are not interested in shares and rest 34 are ready for equity investment. So there is enough scope for the advisors to convert those participants into investors through their convincing power and great communication skills.
Now, when those 33 people were asked about the reason of not investing in equity or stock market, then most of the people answered that they found higher risk and less secured. They lacked knowledge and information about the equity & stocks. Whereas 10 people enjoyed investing in other option. For 11 people, the benefits arousing from these investments were not enough to drive them for investment in Equities and 11 people expressed no trust over the fund managers decision. Again the financial advisors can tap upon these people by educating them about mutual funds.
Overall % of respondents who already have invested in equity or stock market are interested to invest are as follows only 14.9% have sound knowledge of Equity/Stocks, 29.8 % people are aware of only the schemes in which they have invested like real estate and insurance plan. When asked about the most alluring feature of Equity or Stock, most of them opted for diversification, followed by reduction in risk, helps in achieving long term goals and helps in achieving long term goals respectively.
Most of the investor preferred to invest at a young unmarried stage. Even 24% persons were ready to invest at a stage of young married with children but person with older children avoid investing due to increased expenses. But again the number rose to 19% at pre-retirement stage.
40 were already availing the services of financial advisors whereas 37 didnt. When asked about the expertise of financial advisors which they liked most? 40 of them favored portfolio review and investment recommendation, followed by planning to achieve long term goals, managing assets in retirement and access to specialists in area such as tax planning.
When it comes to inflation, the question on many investors' minds is: "How will it affect my investments?" This is an especially important issue for people living on a fixed
income, such as retirees. The impact of inflation on portfolio depends on the type of securities, thus people who invest only in stocks, worrying about inflation shouldn't keep them up at night. Over the long run, a company's revenue and earnings should increase at the same pace as inflation. And around 49.2 % respondents answer no for this question. During the survey every respondents have responded that they would be preferring to invest at average rate because of higher risk is involved and where there is higher return there is higher risk involved in it. The above chart shows that only 10.4 % respondents will go steadily.
CONCUSIONS :
India Infoline Provided me the opportunity for doing training program in the organization as management trainee. While doing my sip in the reputed broking firm India infoline, had got a chance for knowing and analyzing the share market and also come to know that why financial advisors are important for the one who want to invest their money in equity. We come to know about the business environment and business ethics of the business world. Also came to know about what does a firm or an organization require or wants from a employee or a trainee. From the survey, found that India infoline is in the top three position in the share market.
From the above survey and observation it was found that most of the people who are trading in share market belongs to the business group, next comes the employees and other class of income people. As the share market value goes on increasing day by day the investor who wants to invest in shares also increasing. But investing in shares is as risky as earning yield
The young people should start investing earlier so that they can reap the benefits of investing in future. People should keep their eye open and keep updating themselves about various investment avenues so that they can get safe returns.
From this study we have also understand the point of view of the investors to invest their money with the right company at the right time.
Bibliography
Books: Khan & Jain, Financial Management, 3rd Revised Edition , 2007 , New Age International (P) Limited Publishers, New Delhi NCFM (Study material) Kothari, C.R.: Research methodology, 3rd edition, 1997, Vikas Publishing House Pvt. Ltd, New Delhi, Newspapers & journals : The Economic Times Business Standard Daily Research Report of India Infoline- Market Mantra
ANNEXURE-1
PERSONAL DETAILS : (Personal Details will be kept highly confidential, these details will not be revealed to any third party) Name : --------------------------------Age Group : Below 20 Gender : Male Occupation: Service Income (Per Month) : Less than 20000 Qualification: Metric Graduate Under Graduate Post Graduate 20000-40000 Above 40000 Business Profession Student Female 20- 40 yrs Above 40
Q2.
Where do you prefer to invest your money? Bank Deposits Shares Mutual Funds Real estate Insurance Plans
Q4.
If yes, out of following, which intermediating company would you go For? Kotak Securities India bulls India Infoline HDFC Reliance money Share khan What are the criterias which you look for while investing in stock market ?
Q5.
Q6.
On What basis of criteria you will be choosing India Infoline ? Services Investment Tips are good Brokerage Brand Name Expertise Knowledge
What is your investment objective ? Income and capital Preservation Long term growth Short term growth Growth and income Others Are you availing the services of personal financial advisors? Yes No If yes, what is the major reason for using financial advisors? Want help with asset allocation Dont have time to make my own investment decision To explain various investment options Want to make sure I am investing enough to meet my financial goals If no, what is the major reason for not using financial advisor? Have access to all resources needed to invest on own Believe advisors are too expensive Unsure how to find a trustworthy advisor Want to be in control of own investment At what rate you want your investment to grow ? Steadily fast rate Average rate
Q12. Q13.
Yes No What is the most important service parameter that you look for while trading. Information Speed Quality Other