Abstract
Research On Investment Pattern And Option Of Retail Investors – Investment means putting your money to work for you. Essentially, it is different way to think about how to make money. Growing up, most of us taught that you can earn your income only by getting job & working. And that’s exactly most of us do. This report is about Research were to identify the Option of investors towards various investment avenues, public awareness & Option of mutual funds and find out the purpose and objectives of the investment. Also, the risk profile was accessed information pertaining to the factors affecting choice of mutual preferred mutual funds scheme’s purpose of investment etc. The research design adopted was descriptive type. The sampling technique adopted was cluster simple random sampling. A total of 120 trials were interviewed and appropriate data were collected. All the data were compiled and analysed, using descriptive statistics as well as inferential statistics.
Simple percentage analysis was used for descriptive analysis. Cross tabulation and chi-square were used for the inferential statistics. There are many different ways we can go about making an investment. This includes putting money into stocks, bonds, mutual funds, real estate & so on. Researchers has studied the different avenues of investments as well as the factors while selecting the investment with a sample size of 120 using a structured questionnaire. The present Research identifies the preferred investment avenues among the individual investments using self-assessment test. T on primary sources of data which are collected by the distribution of a close ended questionnaire. The data has been analyzed using percentage, chi-square test using statistical software.
This Research deals with the behaviour of the investor to identify the better investment avenues available in India. The investment strategy is a plan, which is created to guide an investor to choose the most appropriate investment portfolio that will help them to achieve their financial goals within a particular period of time. By increasing personal wealth, investing can contribute to higher, overall economic growth and prosperity. The process of investing helps companies where they can raise their capital through financial markets. Specific types of investments provide other benefits for the investor, corporate as well as the society. The Indian investors are very much aware about the concept of portfolio allotments and risk and return of the investment. The mantra of the investment is „‟Prevention is better than Cure” which is expected with more income but less risk. Financial markets are constantly becoming more efficient by providing more promising solutions to the investors. Being a part of financial markets although mutual funds industry is responding very fast by understanding the dynamics of investor’s perception towards rewards, still they are continuously following this race in their endeavour to differentiate their products responding to sudden changes in the economy.
Introduction
An investment is a sacrifice of current money or other resource for gaining benefits in future. Investment can be defined as the net addition to a nation’s physical stock of capital and to own funds. In the present financial market scenario numerous avenues of investment are available. The two key factors of any investment are time and risk. Investment is the employment of funds with an aim to get additional income or growth in value. The essential quality of an investment is that it involves waiting for a reward. In simple terms, investment means conversion of cash or money into a monetary asset a claim on money for a future benefit or returns. Our economic well-being in the long run depends significantly on how wisely or foolishly we invest. “Investing is simple, but not so easy”. Investing is also difficult because we must make lot of decisions-differentiating between needs and wants. It also creates confusion because there are a lot of alternatives available in market and they all have their own pros and cons.
According to Benjamin franklin “an investment is knowledge always pays the best interest”.
There may be a lot of reasons to invest money like leave a lasting legacy. Medical emergencies, financial independence, secure family future, Tax benefits and capital growth etc.
Investment avenues: At present a wide variety of investing avenues are open to the investors to suit their need and nature. Knowledge about the different avenues enables the investors to choose investment intelligently. The required level of return and the risk tolerance level decide the choice of the investor.
Investor
An investor is who makes an investment into one or more categories of assets- equity, debt securities, real estate, currency, commodity, derivatives such as put and call options, etc. with the objective of making a profit.
Investment
Investment refers to the concept of deferred consumption, which involves purchasing an asset, giving a loan or keeping funds in a bank account with the aim of generating future returns. Various investment options are available, offering, differing risk-reward trade-offs. An understanding of the core concepts and a thorough analysis of the options can help an investor create a portfolio that maximizes returns while minimizing risk exposure.
Investment options available:
Today, there are large numbers of investments available. In India, people do savings to make their life better in the near future. There are many investment avenues, some of them are marketable whereas some are not and also some avenues are more risky & some of them are less risky, it depends on how much return will get in particular period of time. It depends on the investors who are risk lovers & who are not to invest in investment avenues.
- Post office
- Real estate
- Mutual Funds
- Bank Fixed
- Equity
- Gold /Silver
Various Investment options in India
- Savings Bank Account
- Money Market Funds (also known as liquid funds)
- Bank Fixed Deposit (Bank FDs)
- Post Office Savings Schemes (POSS)
- Public Provident Fund (PPF)
- Company Fixed Deposits (FDs)
- Bonds and Debentures
- Mutual Funds
- Life Insurance Policies
- Equity Shares
- Gold
- New Pension Scheme
- Real Estate 14)Government Securities
Components of a Project Report
A project report varies according to the MBA final year project course at top colleges, depending on the consequences and the requirements of the concerned project. But broadly, a project covers the following components:
- Title page
- Table of contents
- Introduction
- Background of the project
- Project objectives
- Methodology
- Results
- Discussion and Analysis
- Conclusion
- Bibliography or references
- Appendices
Project Report Pages : 80
Can be used in : HR Final Year Project
Delivery Time : Within 2 hours.
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