A STUDY ON THE INVESTMENT PATTERN OF EMPLOYEES AT INFOPARK, KOCHI, KERALA. (original) (raw)
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A STUDY ON THE INVESTMENT PATTERN OF EMPLOYEES AT INFOPARK, KOCHI, KERALA. RUGMANI HARIHARAN
Investment may be defined as "a commitment of funds made in the expectation of some positive rate of return". The essential quality of investment is that it involves waiting for a reward. Investment behavior refers to attitudes, perceptions, and willingness of individuals and institutions in placing their savings in various kinds of physical and financial assets commonly known as investment avenues. The investment behavior and pattern are different for different individuals and it depends upon the demographic attributes, return expectations, risk appetite, financial literacy, time horizon and several other quantitative and qualitative factors. Many studies have already been conducted on saving behavior of households, gender differences in knowledge and perception of investment, Investment risk tolerance, and perception about investment options and so on.This study intends to check the insight of Infopark employees to divert their hard earned money to various investment channels, by throwing light over the various commonly seen attributes that influence the investment decisions, their Investment objectives and the preference of the employees towards different Investment Alternatives. Objectives of the study are to assess the motives and factors influencing the investment decisions of employees at Infopark, to analyse the preference of employees on different investment avenues, to identify the relationship between risk tolerance level and investment motives and to assess the percentage of disposable income invested in each avenue by the employees. Primary data were relied on for the study besides secondary data for additional information. Data were collected from 35sample respondents from among the total population of employees of Infopark, Kochi, Kerala. Percentage tool, Weighted Rank, Karl Pearson's Coefficient of Mean Square Contingency and Chi-Square test were used for data analysis.Study brought a conclusion that both Income Generation and Capital Appreciation motivate the employees to do the investment and Safety of Principal amount is the primary factor considered by most of them and Medical Benefits are the future purpose for which they desire to make investments.It further revealed that Bank Deposit is the most preferred Investment Avenue among the employees. The study further revealed that there is a low association between Investment Motives and Risk Tolerance Level and that Investors don't significantly differentiate between various available Investment alternatives.
Investment Behaviour of Public Sector Bank Employees 1
India needs very high rate of investments to attain high level of growth. Since the beginning of planning, the prominence was on investments the primary instruments of economic growth and increase in national income. This study attempts to analyse the investment behaviour of salaried group of people from government sector using convenient sampling method. The outlook from the employees belongs to salaried earners, and the sample is fixed as 120. Instead of studying the complete range of investors, it is focusing only one segment called salaried Government employees. A variety of statistical tools are employed to analyze the data like factor analysis to identify the factors related with investment. Finally it is concluded that salaried group nevertheless of age and annual Income, besides their occupation and marital status they used to prefer the investment option which will provide the long term benefit and highly secured cum profitable avenues. Keywords— Investment, Bank Employees Introduction Investment is a purchase of a financial product or other item of value with an expectation of favorable future returns. Investing is a serious subject that can have a major impact on investor's future well-being. Virtually everyone makes investments. Investors have a lot of investment avenues to park their savings. The risk and returns available from each of these investment avenues differ from one avenue to another. Savings shapes the important part of the economy of any nation. With the savings, in various options available to the people, the money acts as the driver for growth of the country. Indian financial prospect too presents a plethora of avenues to the investors. One of the important motives why one needs to invest wisely is to meet the cost of inflation. Inflation causes money to drop value because it will not buy the same amount of a good or service in the future as it does now or did in the past. The three golden rules for all investors are: a) Invest early b) Invest regularly c) Invest for long term and not for short term. Review of Literature Kumar, Banu and Nayagam (2008) studied the financial product preferences of Tiruchirapalli investors to rank their product preferences among investment choices, that is, post office savings, bank deposits, gold, real estate, equity investments and mutual funds. The preferences of the respondents were known according to their attributes like safety of principal, liquidity, stability of income, capital growth, tax benefits, inflation resistance and concealability. So, the investors
All investments are risky, as the investor parts with his hard earned money. An efficient investor with a proper training can reduce the risk and maximize profits. Investors have a lot of investment avenues to park their savings. The risk and returns available from each of these investment avenues differ from one avenue to another. The investors expect more returns with relatively lesser risks. A proper understanding of money, its value, the available investment avenues, various financial institutions providing the facility of investments, the rate of return/risk, etc., are very important to successfully manage one?s finance for achieving future goal. Many people are not willing to take risk for their funds, so many prefer to invest in bank deposits, insurance, post office saving etc. Many of the people are not aware about how to make an investment in share market, equity etc. ?No pain no gain? it is the golden principle of investment management. The study basically focuses on the various investment avenues available to the investor, factors considered for investment. People now days are not ready to bear risk, but at the same time more risk leads to more profit. Investors cannot avoid risk but they can minimize the risk by investing their money in various types of investments so that they can get a moderate profit. This study basically provides awareness among people about various investment avenues available to them and what factors they should consider before making an investment.
Investment is the employment of funds with the aim of getting return on it. It is the commitment of funds which have been saved from current consumption with the hope that some benefits will accrue in future. Thus, it is a reward for waiting for money. So the first step to investment is savings. In common usage, saving generally means putting money aside, for example, by putting money in the bank or investing in a pension plan. In a broader sense, saving is typically used to refer to economizing, cutting costs, or to rescuing someone or something. In terms of personal finance, saving refers to preserving money for future use-typically by putting it on deposit – this is distinct from investment where there is an element of risk. The study on people's choice in Investment Choices has been undertaken with the objective, to analyze the investment choice of people in Thanjavur District. Analysis of the study was undertaken with the help of survey conducted. After analysis and interpretation of data it is concluded that in Thanjavur District respondents are medium aware about various investment choices but they do not know aware about stock market, equity, bound and debentures. The study is conducted by taking a limited number of sample sizes which is
A STUDY ON PRIVATE SECTOR EMPLOYEES PERCEPTION ON RETURN ON INVESTMENT – AN EMPHIRICAL STUDY
An efficient financial sector mobilizes savings and allocates it to those investments which yield the highest rate of return. Savings are the difference between income and consumption. An increase in the volume of real domestic savings means that resources that would have been used for consumption are released for investment. India has high level of saving rate because of high level of saving motives. Everyone seems to understand the basic principle of investment. Investment means the purchase by an individual of a financial or real asset that produces a return proportion to the risk assumed over some future investment period, for achieving this investor has to decide on how and where to deploy his/her saving. Saving motive is a desire to reserve certain potion of income for future. The main objective of investor is to invest in different investment avenues that deliver expected returns and help to meet the risk in future. There should be some motives for making investments. Employees give more importance to create more reserve to meet the risk in future. Understanding the different investment avenues, can be helpful to increase in total investment. Thus, it is a reward for waiting for money. The study on people's choice in Investment Choices has been undertaken with the objective, to analyze the return on investment choice of people in Coimbatore District. Analysis of the study was undertaken with the help of survey conducted. After analysis and interpretation of data it is concluded that in Coimbatore District respondents are medium aware about various investment choices but they do not know aware about stock market, equity, bound and debentures. Due to this, the return on investment is based on the physical asset investments.
IJCRT, 2020
"Don't save what is left after spending; spend what is left after saving", a very famous and true quote given by Warren Buffet. In today's competitive and high risky world every person knows the importance of saving. And for saving he/she must know what the various avenues of investment in modern era are. Now a days when one fresh graduate or postgraduate person complete his/her study and join to his/her dream companies or job and when he/she gets his/her first salary in their hand ,that moment for him/her is just like they got success. But once time has passed gradually they feels that we should save something but at that time first and most important question raised in their mind and that is where we should invest or save our hard earn money? Number of different investment options are available currently in the market like Bank FD, Gold, Real Estate, Mutual Funds, equity & so on much more. Investors are always investing their money with the different types of individual purpose and objectives such as profit, security, appreciation, Income stability etc. We have here in this research, studied the different types and avenues of investments as well as the factors that are required while selecting the investment with the sample size of 100 salaried employees of Nagpur city (Maharashtra State, India) by conducting the survey through questionnaire. Actually, here the present study which we have tried to identifies about the preferred investment avenues among individual (Salaried) investors using their own self-assessment test.
Journal of Nepalese Business Studies
The emergence of the financial market favorably influences the economy. The choices of an individual engaging in the financial market have a crucial part in setting the market trend, which subsequently affects the economy. This research seeks to examine the variables impacting the investment choices of people functioning in financial and non-financial sectors. The research employs a social survey design, based on 280 samples obtained by a structured questionnaire employing a convenience sampling approach. The study was restricted to the Pokhara metropolitan city of Nepal. Descriptive Statistics, Chi-square test, t-test, ANOVAs, Confirmatory Factor Analysis and Structural Equation Modeling were utilized to fulfill the study goals. The study demonstrates that there is no substantial difference between personnel working in the financial and non-finance industries on herding, market, heuristic and demographic component. However, people working in the financial industry examine more econ...
Investment is the employment of funds with the aim of getting return on it. It is the commitment of funds which have been saved from current consumption with the hope that some benefits will accrue in future. Thus, it is a reward for waiting for money. So the first step to investment is savings. In common usage, saving generally means putting money aside, for example, by putting money in the bank or investing in a pension plan. In a broader sense, saving is typically used to refer to economizing, cutting costs, or to rescuing someone or something. In terms of personal finance, saving refers to preserving money for future usetypically by putting it on deposit -this is distinct from investment where there is an element of risk. The study on people's choice in Investment Choices has been undertaken with the objective, to analyze the investment choice of people in Thanjavur District. Analysis of the study was undertaken with the help of survey conducted. After analysis and interpretation of data it is concluded that in Thanjavur District respondents are medium aware about various investment choices but they do not know aware about stock market, equity, bound and debentures. The study is conducted by taking a limited number of sample sizes which is stated earlier. And this study reflects the exceptions of those respondents who are residing in Thanjavur District.
Role of Behavioral Finance in Investment Decision – A Study of Investment Behavior in India
International Journal of Management Studies, 2018
The study attempts to analyze the behavior of investors towards investment pattern and to analyze the factors which an investor takes into consideration while taking Investment decision. Faculty members in Uttarakhand were surveyed using questionnaire. Study concludes that behavior matters a lot when it comes to making a wise investment decision and therefore in selecting a particular investment option it requires an investors complete considers factors like goals in life, spending habits, expenses, income, perception towards investments, lifestyle changes, time period, nature towards investment, thought process, natural habits, study of one's financials, risk bearing capacity, liquidity and expected returns.
At present, a wide variety of investment avenues are open to the investors to suit their needs and nature. Knowledge about the different avenues enables the investors to choose investment intelligently. The required level of return and the risk tolerance decide the choice of the investor. The investment alternatives range from national savings certificates, indira vikas patra, kisan vikas patra, provident fund, mutual fund schemes, insurance schemes, chits, bank fixed deposits, company fixed deposits, company shares, bonds /debentures, government securities, postal savings schemes and real estate etc.