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"STUDY OF INVESMENT PATTERN OF PRIVATE EMPLOYEE WITH REFERENCE TO RELIANCE MONEY" is a record of bonafide Summer Training project work conducted by me. The data given in the Summer Training project report is genuine and original.
"STUDY OF INVESMENT PATTERN OF PRIVATE EMPLOYEE WITH REFERENCE TO RELIANCE MONEY" is a record of bonafide Summer Training project work conducted by me. The data given in the Summer Training project report is genuine and original.
"STUDY OF INVESMENT PATTERN OF PRIVATE EMPLOYEE WITH REFERENCE TO RELIANCE MONEY" is a record of bonafide Summer Training project work conducted by me. The data given in the Summer Training project report is genuine and original.
STUDY OF INVESMENT PATTERN OF PRIVATE EMPLOYEE WITH REFERENCE TO RELIANCE MONEY
SUBMITTED TO
MAHAMAYA TECHNICAL UNIVERSITY, NOIDA IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER OF BUSINESS ADMINISTRATION
Submitted to:
Submitted by:
[2] Company Certificate
[3] DECLARATION
It is certified that the Summer Training Project Report entitled STUDY OF INVESMENT PATTERN OF PRIVATE EMPLOYEE WITH REFERENCE TO RELIANCE MONEY submitted in partial fulfillment of the requirement for the degree of Master of Business Administration of Mahamaya Technical University, Noida is a record of bonafide Summer Training project work conducted by me. I have collected the data personally. The data given in the Summer Training Project Report is genuine and original. Further, I also declare that it not submitted to any other university for the award of any degree or diploma.
[4] ACKNOWLEDGEMENT It gives me immense pleasure to express my indebtedness and deep sense of gratitude to my supervisor and guide Mrs. Jyoti Raj Professor, Vinayaka Vidyapeeth, Meerut for his valuable and scholarly guidance. His sympathetic and helpful attitude and motivation helped me to work on this dissertation. I am extremely grateful to Mr. N.S. Rana, Director, Vinayakvidyapeeth, Meerut for having extended his guidance during the course of this research project. This acknowledgement would be incomplete without grateful mention of all the people who formed the sample and were kind enough to fill in the questionnaire and respond warmly to my questions. I shall be falling in my duty if I do not thank to Bajaj computers who typed this report well in time. Last but not the least; I thank ALMIGHTY for His blessings.
MBA ( 3 rd Sem. )
[5] ABSTRACT
Saving form an important part of any economy of any nation with saving invested various option available to people. An investment refers to the commitment of funds at present, in anticipation of some positive rate of return in future today the spectrum of investment is indeed wide .Individuals are more aware about the different investment avenues. Among all investments avenues individuals consider saving account, fixed deposit, public provident fund, life insurance, gold/silver etc as a safer and low risk investments avenues compare share market, bonds, FOREX, chit funds as high risk investment avenues. Individuals are not aware about virtual real state, hedge funds. Private Employee Individuals are aware about share market, mutual funds but they consider these investments avenues as a high risk investments avenue. The main reason behind the the study are the factors like awareness level and factors consider individuals before investments like safe and low investment avenues, moderate risk avenues, high risk investment avenues, traditional investment avenues, emerging investment avenues. The findings relates to the awareness among individuals and individuals risk taking ability while investing in different investment avenues.
[6] CHAPTER-I
BACKGROUND:
"In investing money, the amount of interest you want should depend on whether you want to eat well or sleep well." - J. Kenfield Morley An investment is the employment of funds with aim of achieving income and growth in value the main characteristics of investment are waiting for a reward. Investment is the allocation of monetary resources to assets that are expected to yield some gain or positive return over a given period of time. Investment aims at multiplication of money at higher or lower rates depending upon whether it is long term or short term investment and whether it is risky or risk-free investment. Investment activity involves creation of assets or exchange of as- sets with profit motive. "An investment in knowledge pays the best interest". From the people point of view, the investment is a commitment of a person's funds to derive future income in the form of interest, dividends, rent, premium, pension benefits or appreciation of the value of their principle capital. Most of the investments are considered to transfers of financial assets from one person to another. Various investment options are available with differing risk-reward trade -offs .An understanding of the core concepts and a thorough analysis. Investment refers to the concept of deferred consumption which may involve purchasing an asset, giving a loan or keeping funds in a bank account with the aim of generating future returns. An understanding of the core concepts and a thorough analysis of the options can help investor create a portfolio that maximizes returns while minimizing risk exposure. Savings form an investment part of the economy of any nation. With the savings invested in various options available to the people, money acts as the driver for growth of the country. Indian financial scene too presents a plethora of avenues the investor. Through certainty not the best or deepest of market in the world, it has reasonable options for an ordinary man to invest his savings. One need to invest and earn return on their idle resources and generate a specified sum of money for a specific goal in life and make a provision for an uncertain future. One of the important reason why one needs to invest wisely is to meet the cost of inflation .inflation is the rate at which the cost of living increases.
[7] OBJECTIVE OF THE STUDY: 1) To know the mode of investments of the Private Employee individuals in various investment avenues. 2) To study the factors influencing the investment pattern of the Private Employee individuals. 3) To study the factors influencing enquires into the profile, portfolio practices, experiences, preferences & risk, perceptions, and intentions of Private Employee individuals.
[8] NEED OF THE STUDY:
This analysis on individual investor's behaviour is an attempt to know the profiles of the investor and also know the characteristic of the investors so as to know their preference with respect to their investments. The study also tries to unravel the influence of demographic factors like age on risk, tolerance level of the investor.
[9] SCOPE OF THE WORK:
This analysis is based upon investor's pattern for investment preference, awareness, during normal time Vis-a-vis recessionary period. This analysis would be focusing on the information from the Private Employee about their knowledge, perception, and behaviour on different financial products. 1. The total number of financial instruments in the market is so large that it needs a lot of time and resources to analyse them all. 2. As the analysis is based on primary as well as secondary data, possibility of unauthorized information cannot be avoidable. 3. Research was carried on in Mumbai. 4. Investment pattern has been analysis has been limited to only 153 individuals.
[10] Company Profile:
Reliance ADAG Group:
[11] Reliance Money:
Reliance money is a part of the reliance Anil Dhirubhai Ambani Group and is promoted by Reliance capital, the fastest growing private sector financial services company in India, ranked amongst the top 3 private sector financial companies in terms of net worth. Reliance money is a comprehensive financial solution provider that enables you to carry out trading and investment activities in a secure, cost-effective and convenient manner. Through reliance money, you can invest in a wide range of asset classes from Equity, Equity and commodity Derivatives, Mutual Funds, insurance products, IPOs to availing services of Money Transfer & Money changing. Reliance Money offers the convenience of on-line and offline transactions through a variety of means, including its Portal, Call & Transact, Transaction Kiosks and at its network of affiliates.
Success is a journey, not a destination. If we look for examples to prove this quote then we can find many but there is none like that of Reliance Money, The company, which is today known as the largest financial service provider of India.
Success sutras of Reliance Money:
The success story of the company is driven by 9 success sutras adopted by it namely Trust, Integrity, Dedication, Commitment, Enterprise, Hard work, Home work, Team work play, Learning and Innovation, Empathy and Humility and last but not the least its the Network. These are the values that bind success with Reliance Money.
Vision of Reliance Money:
[12]
To achieve & sustain market leadership, Reliance Money shall aim for complete customer satisfaction, by combining its human and technological resources, to provide world-class quality services. In the process Reliance Money shall strive to meet and exceed customers satisfaction and set industry standards.
Mission statement:
Our mission is to be a leading and preferred service provider to our customers, and we aim to achieve this leadership position by building an innovative, enterprising, and technology driven organization which will set the highest standards of service and business ethics.
[13]
.
[14]
[15] Products and Services:
Equity Reliance Money offers its clients competitively priced Equity broking, PMS and Portfolio Advisory Services. Trading execution assistance provided to clients. In addition Reliance Money provides independent and unbiased view on markets along with trading strategies and entry / exit points for taking an informed decision.
Mutual Funds:
A mutual fund is a professionally managed fund of collective investments that collects money from many investors and puts it in stocks, bonds, short-term money market instruments, and/or other securities. Reliance Money offers dedicated research & expert advice on Mutual Funds. Mutual funds are considered to have low risk factors owing to diversification of assets into various sectors and scripts or instruments within.
Insurance:
Life Insurance: Reliance Money assists its clients in choosing a customized plan, which will secure the familys future and their expenses post-retirement. Clients can choose from different plans of almost all Insurance Companies where they can invest their money. Clients can choose from products and services that channel their savings and protect their needs while guaranteeing security and returns for life. A team of experts will suggest the best Insurance scheme, which suits the clients requirement.
[16] General Insurance: General Insurance is all about protecting against all kind of insurable risks. Reliance Money assists you in areas of Health insurance, Travel insurance, Home insurance and Motor insurance.
Commodities:
A single platform to trade on both the major commodity exchanges i.e. NCDEX and MCX. In addition In-house research desk shall provide research reports on all major commodities, which shall enable in getting views for trading and diversify clients holdings. Trade Execution assistance is also provided to clients.
Structured Products:
Art Investments Structured Products is a new class of financial products for investors apprehensive of increased volatility in stock markets. Specially designed products could include Equity, Index-linked in nature, Real Estate Funds, Art Funds, Overseas Investments and Infrastructure Investments.
Tax Planning: With a view to provide complete wealth management solutions, Reliance Moneys wealth management offerings include tax related services like: Tax Planning & advisory Filing Tax returns for individuals.
Real Estate Advisory Services: Broking Model for lease/rent and buy/sell of property Valuation Real-estate Consulting Corporate earnings model, Lease rentals, etc.
[17]
Offshore Investments:
Reliance Money provides a unique opportunity to invest in international financial markets through the online platform, which includes different product ranges.
Major Mutual Fund Companies in India:
ABN AMRO Mutual Fund, Birla Sun Life Mutual Fund, Bank of Baroda Mutual Fund (BOB Mutual Fund), HDFC Mutual Fund, HSBC Mutual Fund, ING Vysya Mutual Fund, Prudential ICICI Mutual Fund, Sahara Mutual Fund, State Bank of India Mutual Fund, Tata Mutual Fund, Kotak Mahindra Mutual Fund, Unit Trust of India Mutual Fund, Standard Chartered Mutual Fund, Franklin Templeton India Mutual Fund, Morgan Stanley Mutual Fund India,
[19] CHAPTER- II THEORETICAL BACKGROUND/LITERATURE REVIEW: THEORETICAL BACKGROUND: In India the socio-economic profile of the people changes dramatically. Today people are not only spending on products and services, earlier considered a luxury but are also looking at smarter ways of investing their money. This is mainly due to the fact, that people today not only have a wider choice of investing in different saving instruments, but are also more educated and aware about their choices. People are now moving beyond the traditional saving options of fixed deposits, post office savings to wider investment options in the form of insurance, mutual funds, bonds, equities and even property. Saving is income not spent, or deferred consumption. Methods of saving include putting money aside in a bank or pension plan. Saving also includes reducing expenditures, such as recurring costs. In terms of personal finance, saving specifies low-risk preservation of money, as in a deposit account, versus investment, wherein risk is higher. What is savings? Income - expenditure = savings. In today's rapidly changing financial environment, it is critical that individuals not only protect and enhance their current financial resources, but also prepare for future security and against loss of income. This requires careful planning and prudent management of one's financial assets. (www.deposits.org). Financial planning is the key and the first step towards fulfilling ones dreams and aspirations whether it is about providing for the family, buying a home or a car. Good planning also ensures financial security for the family throughout life, even in the eventuality of the death of the earning member of the family. An important component of a sound financial plan is not only the inclusion of life insurance investment but also providing for adequate insurance coverage in the plan. It is therefore critical for individuals to discuss their unique needs with qualified Financial Planning Advisers who can assist in determining the right plan and amount of coverage required. Consumers are now exposed to an array of modern and innovative products. Depending on the needs of the customers,
[20] Investment is the certain present value for the uncertain future reward. It entails arriving at numerous decision such as types, mix, amounts, timing, grade etc of investment and disinvestment .further such decision making has not only to be order to get return on its in the future, which is known as investment .There are various investment avenues such a equity, bonds, insurance and bank deposit etc. A portfolio is a combination of different investment assets mixed and matched for the purpose of achieving gold. There are various factors which affects investors Portfolio such as annual income government, policy natural calamities, economical changes etc. Financial and economic meaning of investment: Investment is the allocation of monetary resources to assets that expected to yield some gains or positive return over a given period of time .These assets range from safety investment to risky investment. Investment in this form is called as financial investment. Features of an investment program: In choosing specific investment investor will need definitely ideas regarding features which their investment avenues should possess. These features should be consistent with the investor general objectives an in addition, should afford them all the incidental convenience and advantages. Which are possible under the circumstances? The following are the suggested features as the ingredients from which many successful investors compound their selection policies. Safety of principle: The investor to be certain of the safety of principle should carefully review the economics and industry trends before choosing the types of investments. Error are avoidable and therefore, to ensure safety principle, the investor should consider diversification of assets Liquidity: Even investor requires a minimum liquidity in his investment to meet emergence .liquidity will be ensured if the investor buys a proposition of readily saleable securities out of his total portfolio. Income stability: Regularly of income at a consistent arte is necessary in any investment pattern. Not only stability, it is also important to see that income is adequate in after taxes. It is possible to fins
[21] outcome good securities, which pay particularly all their earnings in dividends. Appreciation and purchasing power stability: Investor should balance their portfolio s to fight against any purchasing power stability. Investor should judge price level inflation, explore their possibility of gain and loss in the investments available to them. Legally and freedom from care: All investments should be approved by law. Law relating to minors, trusts, shares and insurance be studied will brings out many problem for the the investor. Tangibility: Tangibility securities have many times lost their values due to price level inflation. Some investor prefers to keep a part of their wealth invested in tangibles properties. Under section 80C of the Income Tax Act, certain investments are deductible from gross total income. This tax exemption is available across individual tax slabs. If you earn Rs 4 lakhs per annum and make investments of Rs 1 lakh in 80c instruments then the taxable amount will be Rs 3 lakhs.
[22]
Section 80C benefit has been provided to encourage long term savings and investments. You should choose a combination of fixed income and market linked investments depending on your age and risk profile www.rupeetimes.com) The economy is witnessing an increasing trend in gross domestic savings as a proportion of GDP since 2001-02, with the savings ratio having increased from 26.5 per cent in 2002-03 to 28.9 per cent in 2003-04 and further to 29.1 per cent in 2004-05. The rise in savings has been witnessed across all the constituent sectors, the sole exception being household sector for 2004- 05 which witnessed a decrease from 23.5 per cent in 2003-04 to 22.0 per cent in 2004-05. ( report of the working group on savings for the eleventh five year plan(2007-08 to 2011- 12)
[23] RESEARCH METHODOLOGY
Sample Size: The sample size denotes the number of elements selected for the study. For the present study, Questionnaire distributed to 640 individual's .out of 640,153 individuals responded. Data collection: Data was collected by using main two methods i.e. primary data and secondary data. Primary data: - Primary data are those collected by the investigator himself/herself for the first time and thus they are original in character, they are collected for particular purpose. Combination of non probability connivance sampling technique and snowball sampling will be used for collecting the data from different investor. The Private Employee are selected by the connivance sampling method. The selection of units from the population based on their easy availability and accessibility to the researcher is known as sampling. Information is collected by conducting a survey by distributing a questionnaire to 153 Private Employee. These 153 Private Employee are of different age group, different occupation, different income level and different qualification.
[24] Questionnaire Design: - Here in our research we set questions for Private Employee individuals and answer can be easy to fill out with minimum amount of time and efforts and request the customer to answer these questions with correct information. The questionnaire consisted of Close ended questions. Close ended question: It contains those questions in which the respondent is given a limited number of alternatives responses from which he/she is to select the one that most closely matched his attitude. The fixed alternative questions may be taken in the form of Dichotomous question Multi - choice question Dichotomous Question: It refers to one which offers the respondents a choice between only 2 alternatives and reduces the issues to its simplest terms. Multi-choice questions: A multiple - choice question refers to one, which provides several set of alternatives. Multiple - choice questions can be used when an issue has more than 2 aspects. Customer: - Customer helps in creation of more accurate idea about our research. Secondary Data: Secondary data are those, which have already been collected by some other persons for their purpose. Secondary data are usually in shape of finished products. External data: was generated from internet websites
Statistical tools and techniques used: The data has been analyzed by graph and charts
[25] From which source you come to know about various investment options?
Interpretation: Out of 153 salaried individuals 70 Friends /relative, 41T.V. newspaper,25 banker,,10 broker, and 5 other, these are the sources from where individuals come to know about various investment option.
[26] What is your saving objective?
Interpretation: From the data it can be inferred that out of 153 salaried ndividuals28 Income and capital preservation is the main objective of the salaried individuals, followed by 25 healthcare ,25 long term growth and income ,18 home purchase, 15 retirement,15 growth and income,5 short term growth,5 childrens income, and 3 other.
[27] In which sector do you prefer to invest your money?
Interpretation: Out of 153 salaried people 77 government sector,18 individuals individuals prefer to invest in private sector, followed by 52 and 6 foreign sector.
[28] Do you have a formal budget for family
Interpretation: From all salaried individuals109 people have formal budget for family expenditure,44 dont have.
[29] Usually do you consult your friends and / or relatives before making an investment choice?
Interpretation: Out of 153 salaried individuals 40 people often consult friends/relative before making an investment choice ,41 every time , 40 sometime6 never.
[30] Do you invest your money in share market?
Interpretation: Out of 153 salaried individuals 99 said they dont invest money in share market and only54 invest money in share market.
[31] What % of your income do you invest?
Out of 153 salaried individuals 92 people invest 0to15% income,52 15 to 30%,9 30 to 50
[32] What is the time period you prefer to invest
ndividuals 92 people invest 0to15% income,52 15 to 30%,9 30 to 50
individuals prefer midterm i.e.1 to 5 years,49
[33] Which of the of following factors which you consider before investing (Post office savings)
Interpretation:
Among all salaried people 105 individuals consider post office saving as a safe and low investment avenue,32 moderate risk investment avenues,15 traditional investment,1 emerging investment avenues.
[34] Which of the of following factors which you consider before investing (Government securities)
Interpretation:
Among all salaried people 80 individuals consider government securities as a safe and low investment avenue,53 moderate risk investment avenues, 10 high investment avenues and 10 traditional investment.
[35] > Which of the of following factors which you consider before investing (Mutual funds
Interpretation:
Among all salaried people 80 individuals consider mutual funds as a moderate risk investment avenues, 53 high investment avenues,10 traditional investment. 8 safe and low investment avenue,2 emerging investment avenues
[36] Which of the of following factors which you consider before investing (Bonds)
Interpretation:
Among all salaried people 82 individuals consider bonds as a high risk investment avenues ,19 traditional investment avenues 14moderate risk investment avenues ,10 safe and low investment avenues,4emerging investment avenues.
[37] Which of the of following factors which you consider before investing (Equity share market)
Interpretation:
Among all salaried people 75 individuals consider equity share market as a traditional investment avenues, 40 high risk investment avenues,22 safe and low investment avenues, 10emerging investment avenues. 6 moderate risk investment avenues
[38] Which of the of following factors which you consider before investing (Commodity share market)
Interpretation:
Among all salaried people 75 people consider commodity share market as a traditional investment avenues, 40 high risk investment avenues,22 safe and low investment avenues, 10emerging investment avenues. 6 moderate risk investment avenues.
[39] Which of the of following factors which you consider before investing (Real estate (Property)
Interpretation:
Among all salaried people75 individuals consider real state as a traditional investment avenues, 40 high risk investment avenues,22 safe and low investment avenues, 10emerging investment avenues. 6 moderate risk investment avenues.
[40] Which of the of following factors which you consider before investing (Private equity investments)
Interpretation:
Among all salaried people 64 individuals consider private equity investments as a high risk investment avenues, 50 emerging investment avenues, 20 moderate risk investment avenue, 10 traditional investment avenues 9 safe and low investment avenues.
[41] Which of the of following factors which you consider before investing (Art and passion)
Among all salaried individuals 74 individuals consider art and passion as a emerging investment avenue,30 traditional ,30 moderate 10 safe and low ,9 high risk investment avenues respectively.
[42] LIMITATION OF THE STUDY:
1. Reluctances of the people to provide complete information about them can affect the validity of the responses.
2 The lack of knowledge of customer about the financial instrument can be a major limitation.
3. The information can be biased due to use of questionnaire. CHAPTER-V
FINDINGS: 1 Study reveals that major information sources for investments option are T.V., friends/relative. 2. Most of salaried individuals prefer to invest in private sector. 3. Most of individuals often discuss with their family friends before making an investment decision. 4. Majority of the salaried individuals prefer midterm to invest. 5. Most of the individuals are aware about different tax benefits. 6. Most of the individuals are aware about investment avenues like life insurance, FD, gold, real state etc. 7. Majority of the individuals consider FD, Gold/silver, saving account, post office savings as a safe and low investment options. 8. Study reveals that majority of the individuals consider bonds, FOREX, chit funds, private equity as high risk investment avenues.
SUGGESTIONS: 1. Study reveals that individuals spend long time watching T.vs, Therefore it is recommended that financial advisor or financial institution should use T.V. as a marketing media. 2. Investments in government sector should increase. 3. Investor who wants to avoid risk should invest in saving account, FD, provident funds, National saving certificate, post office saving, life insurance etc. 4. Investments avenues like share market, mutual funds need more awareness among salaried individuals so that more individuals can be attracted. CHAPTER-VI
[43] SUMMARY AND CONCLUSION:
This report is a reflection of the awareness and factors considering, risk taking ability of the various categories of salaried individuals. Selection of the perfect investment avenue is a difficult task to an individual. An effort is made to identity the taste and preference of a sample of individuals selected by connivance and snowball sampling. Despite of many limitations to the study i was successful in identifying some investments patterns there is some commonness in these individuals. This report concentrated in identifying the factors considered individuals before investment, awareness level of salaried individuals towards various investment avenues are identified based on their occupations, investors risk in selecting a particular avenue. The presents study has important implication for investment manager as it has come out with certain interesting facets of salaried individual. The individual investor still prefers to invest in financial products which give risk free returns. This confirms that individuals even if they are of high income, well educated, independent are conservative individual prefer to play safe. The investments product designer can design products which can cater to the individuals, who are low risk tolerant, tax savings and use T.V. as a marketing media as they seem to spend long time watching T.vs. The study also draws an important conclusion from study that the individuals are keen to invest in midterm products. SCOPE FOR FURTHER RESEARCH:
The study was conducted by taking limited number of sample size which stated earlier and this study reflect awareness, factors consider for investment, risk taking ability of those salaried individuals residing in Mumbai .There might be chances that the awareness, factors consider for investment, risk taking ability of those salaried individuals of different nature are varied due to diversity in social life, living pattern, income level etc that need to studied further. BIBLIOGRAPHY: Web Reference:
http://www.businessdictionary.com/definition/savings.html http://www.rupeetimes.com/article/home loans/admissible deductions under section 80c 5 055.html http://www.phdcci.in/media center details.php?id=330
Reference: Sanjay kantidas an empirical analysis on preferred investment avenues among rural and semi-urban households, journal of frontline research ,vol(01)2011 26-36 research paper, Department of commerce ,Lumding college,Lumding,Nagaon,Assam V.R.Palanivelu K.Chandrakumar (March 2013) A Study on Preferred Investment Avenues among salaried Peoples with Reference to Namakkal Taluk,Tamil Nadu, India, international conference on business,economics and accounting 20-23 R. SreePriya ,P. Gurusamy ( Jan 2013) . Investment Pattern of Salaried People - A study in Coimbatore district ,vol2 issue ^international journal scientific research prof. ca yogesh p. patel*; prof. cs charul y. patel, a study of investment perspective of salaried people (private sector),Asia pacific journal of marketing and management,vol no2 cot2012 Savings and Investments Attitude of Salaried Class in CUDDALORE District L. Pandiyan, Dr. T. Aranganathan May-June 2012) (prof. ca yogesh p. patel; prof. cs charul y. patel ,oct 2012 ,Asia Pacific Journal of Marketing & Management Review ,pg no 145-146),www.isorjounrnel N. Geetha,Dr. M. Ramesh(Nov 2011) A Study on People's Preferences in Investment Behaviour ijmer,vol 1 issue 6. Nanavati nihar k,invetsmnet pattern of salaried people ,Journal of advance development research ,2012,vol 3 . Nicolas P.B. Bollent Mutual Fund Attributes and Investor Behavior, February 2006, Journal of Financial and Quantitative Analysis Appendix:
Dear Respondent, Sub: Request to fill the Questionnaire regarding research study. I am final year student currently pursuing MBA at JDBIMS.I am conducting a research study on "Investment pattern of salaried people". This research is taken as a partial requirement for the completion of my MBA.I seek your kind assistance in completing the attached questionnaire
[45] which would take approximately 10 minutes of your valuable time. Your response will be treated as "strictly confidential" > From which source you come to know about various investment options? Broker Bank Friend / relative T.V./Newspaper other (specify) > What is your saving objective? Children's education Retirement Home purchase children's marriage Healthcare Income and capital preservation Long term growth Growth and income short term growth other > In which sector do you prefer to invest your money? Private sector Government sector Public sector foreign sector > Do you have a formal budget for family expenditure? Yes No > Usually do you consult your friends and / or relatives before making an investment choice? Every time Often Sometime Never > Do you invest your money in share market? Yes No > What % of your income do you invest? 0 to 15 % 15 to 30% 30 to 50% > What is the time period you prefer to invest? Short term (0 to lyears) Midterm (1 to 5 years) Long term (> 5 years) Yes No > Have you ever invested in mutual funds of any company? Yes No > Do you know about different option of investment in mutual fund? Yes No > What is the most important criterion for you for selecting a particular investment option?
[46] Past performance Service Promoters background Any other Safe and low risk investment avenues
Saving account YES NO Bank fixes deposits YES NO Public provident fund YES NO National saving certificate YES NO Post office saving YES NO Government securities YES NO Moderate risk investment avenues
Mutual funds YES NO Life insurance YES NO Debentures YES NO Bonds YES NO High risk investment avenues
Equity share market YES NO Commodity share market YES NO FOREX market\ YES NO Traditional investment avenues
Real estate (Property) YES NO Gold/ silver YES NO Chit funds YES NO Emerging invest avenues:
Virtual real state YES NO Hedge funds YES NO Private equity investments YES NO Art and passion YES NO
> Are you aware of the following investment avenues?
[47]
Safe and low risk investment avenues Moderate risk investment avenues High Risk investment avenues Traditional investment avenues Emerging investment avenues Saving account
Bank fixes deposits
Public provident fund
National saving certificate
Post office saving
Government securities
Mutual funds
Life insurance
Debentures
Bonds
Equity share market
Commodity share market FOREX market
Real estate (Property)
Gold/ silver
Chit funds
Virtual real state
Hedge funds
Private equity investments
Art and passion
> General information Gender : Male Female Age : 20-30 31-40 41-50 ^50 above Occupation: student Business service Profession other (specify) Annual income of family: Below 1 L 2-3L ^3-4 L ^5 to 10 10 & above Total family member: ^2-5 ^6-8 8 and above