INDEX

Topic Page No.

Introduction
Company Profile

Objectives

Scope of study

Hypothesis

Research Methodology

Data Analysis and Interpretation

Hypothesis Testing

Conclusion

Suggestion

Limitations

Bibliography

Appendix

1
2
INTRODUCTION :
India is the land of opportunities these days.
There are a lot of sectors where finances are feasible and offer great
returns. There are a number of great options available to people of India for
investment. The process of internet and external liberalizations and
financial sector reforms have brought about significant changes in the
income distribution , consumption patterns , saving behaviors , and
investment preference of an average household. Financial intermediaries
play an important role in converting the saving of investors into investment.
The entry of private domestic and foreign commercial banks , non-banking
financial companies , mutual funds and array of other financial
intermediaries are likely to greatly influence choices of savers and investors
with respect to the form and type of financial intermediaries. There is wide
range of investment choices available to average investors ranging from
traditional form of investments to innovative investment instruments.

An investment is a sacrifice of current money or other

resources for future benefits. Individual investors consider a number of
factors before deciding to investment their funds in various securities
involving varying degrees of risk and return. The two key aspects of any
investment are TIME and RISK. The sacrifice takes place and now is
certain. The benefit is expected in the future and tends to be uncertain. In
the present economy scenario, the option available to them are different
and the factor motivating the investors to invest are governed by their socio
economic profile including expected return and risk tolerance. In short ,
the investment decision making process is a multifaceted subject to change
over a period of time attitude of investment is different in each alternative.
Some investors are risk averse ; while some have affinity of risk. The risk
bearing capacity of investor is a function of person , economical ,
environmental and situational factor such as income , family , size ,
expenditure pattern and age.

There are lot of investment alternative available to investor in India which

are as follows :

3
 Government Securities (Bonds):

Bonds issued by central or state government. These bonds are

termed as the safest investment instruments in India. Example of
these bonds are Dated government security which are issued for a
period of 10 years with a fixed coupon payment. These securities
carry least amount of credit risk as they are backed by the
Government of India.

Equity :

Investing in direct equity. One can start investing in Indian equities by

participating in primary markets (applying for IPOs) and also by
purchasing securities from secondary markets (stock exchange).
Investing in direct equity is termed risky and one needs to diversifying
the risk in multiple securities. Example : investing in real estate stocks
, Pharma stocks , PSU stocks and Oil stocks all at once.

Equities carry the maximum risk and (may) also

provide you with maximum returns.

Mutual Funds :

Mutual fund is a financial instrument created with pool of investments

from many investors. Mutual funds are professionally managed and
they invest in equity, debt, gold, foreign equity, etc. on your behalf.
Mutual funds are one of the best way to diversify your portfolio.

Debentures/Bonds :

Corporates need money and they dont go to banks every time to

fulfill their needs, they have two options to raise money come up
with an IPO or issue bond with fixed term to maturity and fixed

4
 coupon payments. They function just like the government bonds and
the only difference is that they are a bit riskier compared to
government bonds. Returns offered by these bonds are higher
compared to government bonds.

Real Estate :

In India, investing in real estate is considered as the best form of

investment but only after gold. Historically real estate has performed
well in India. Investing in metros has become very expensive so it is
advisable to invest in outskirts.

Gold :

The only form of investment which most of our parents would believe
in. Gold is considered as the best investment in India, that is the only
reason why India is the highest consumer of gold in the world.

Bank Fixed Deposits :

This considered as one of the traditional ways of investing. Most of

the people in India with a bank account will have at least one fixed
return at the end of specified period. Currently bank FDs offer
somewhere around 8% to 10% returns annually.

Corporate Fixed Deposits :

They are just like bank FDs the only difference is that they are issued
by corporations. They are a bit riskier compared to bank FDs as most
of these corporate deposits are unsecured and hence offer higher
interest rate. They offer interest rate as high as 12% to 13% p.a. An
example of this would be FD by Mahindra Finance, Shriram
Transport Finance , etc.

Post Office Savings Schemes :

5
 These saving schemes by post offices are trusted by many Indians.
The scheme attracts decent returns. One can start investing with as
low as Rs.100 per month.

National Pension Scheme :

The National Pension System (NPS) is a defined contribution based

pension system launched by Government of India. This instrument is
used for retirement planning by many.

Art :

Art as a form of investment is quite common in developed nations

and the trend is picking up in India. Many affluent Indians buy art
preserve it and diversify their portfolios!

Venture Capital :

Investing in someones business idea at an early stage of the

venture. You get equity for the amount invested and one can exit the
investment when the business is acquired by some other company or
when the company gets listed. This investment carry huge risk.

Some of the important terminologies used in this project are :

1. Risk tolerance -

6
 Risk tolerance is the extent to which you as an investor are
comfortable with the risk of losing money on an investment. If
youre unwilling to take the chance that an investment that
might drop in price, you have little or no risk tolerance.
On the other hand, if youre willing to take
some risk by making investments that fluctuate in value, you
have greater risk tolerance. The probable consequence of
limiting investment risk is that you are vulnerable to inflation
risk, or loss of buying power.

2. Investment Portfolio -

A portfolio is a grouping of financial assets such as stocks,

bonds and cash equivalents, as well as their funds
counterparts, including mutual, exchange traded and closed
funds. Portfolios are held directly by investors and/or managed
by financial professionals. Prudence suggest that investors
should construct an investment portfolio in accordance with risk
tolerance and investing objectives.

7
8
OBJECTIVES :

To study the dependence or independence of the demographic

factors (age, gender, etc.) of the investors on the risk taken by them.

To know the extent of financial literacy of individual investor.

To know the risk tolerance level of individual investor.

To know the preferred sources of information influencing investment

decision of individual investor.

9
10
HYPOTHESIS :

Qualification and risk taken by the individual are two independent

attributes.

Profession is not an important factor for determining the risk

tolerance level of individual.

Income is an important factor for determining the risk tolerance

level of individual.

11
12
SCOPE OF THE STUDY :

1. The scope of study is limited in Nagpur region.

2. The scope of study is limited in time and money constraint.

3. The Scope of study is limited due to limited sample size, i.e.

120.

13
14
RESEARCH METHODOLOGY :

The methodology that was adopted for the study includes both primary
source of data as well as the secondary source of data. The methodology
of the study can be explained as follows:

PRIMARY DATA

The primary data are those which are collected a fresh and for the first time
and thus happens to be the original in character. We can obtain primary
data either through observation or through direct communication with
respondent in one form or another or through personal interview.

METHODS OF GENERATING PRIMARY DATA

SURVEY
PERSONAL INTERVIEW
GROUP INTERVIEW
OBSERVATION
QUESTIONNAIRE

SECONDARY DATA

Secondary data means data that are already available i.e., they refer to the
data which have been already collected and analyzed by someone else. In
this research work secondary data has been collected through the -

INTERNET
BOOKS ETC

The source of information is generally classified as primary and secondary

according to playline V.Young the source of information can be classified
into documentary sources and field sources.

TOOLS OF DATA COLLECTION

15
 Interview schedule and questionnaire was used as tool for primary
source of data collection.

Interview schedule consist of number of questions typed in a definite

order or form.

PRE-STUDY :-

After careful study of literature and expert consultation the researcher

still may have only a rather vague idea about the critical element in
his problem. As pilot study sometimes may be launched as a step
preliminary to the form scale before original study are carried out in
order to gain some preliminary information of the main project for this
purpose the researcher meet companys personal manager to get the
knowledge of the subject before conduction of actual data collection.

PRETESTING:-

Pretesting is the process of an advance testing of study design after

the interview schedule has been prepared. The researcher referred
books and internet to get prepared literature for this project report.

PROCESSING:-

Once the collection of data is over the main step top arranged is
processing and analysis of data. So the interview can be made
resulting information theories. The steps in this process are as
follows:

Editing:-

16
 The preparation of the data forms for tabulation must include on
operational procedure for acceptance, modifying or resection
individual questionnaire.

Tabulation:-

Tabulation is a process of summarizing raw and display it in compact

form for further analysis.

Interpretation of data:-

Analysis and interpretation of data is the central step in process. The

goal of analysis is to summarize the collected data. Interpretation is
the research for the broader meaning of research finding. The
questionnaire is preceded a few encoded response are classified the
code were verified before transferred to master chart.

SAMPLING PLANS
Sampling Technique:

17
Initially, a rough draft was prepared keeping in mind the objective of the
research. A pilot study was done in order to know the accuracy of the
Questionnaire. The final questionnaire was arrived only after certain
important changes were done. Thus my sampling came out to be
judgmental and convinient.

Sampling Unit:

The respondents who were asked to fill out questionnaire are the sampling
units.

Sample Size:

The sample size was restricted to only 120, which comprised of people
mainly from different regions of Nagpur due to time constraints.

Sampling Area:

The area of research was Nagpur.

Period of study:

The period for study Financial year

18
19
 DATA ANALYSIS AND
INTERPRETATION :

AGE GROUP :

Option Response Percentage

20 30 years 30 25%
31 40 years 54 45%
41 50 years 24 20%
50 & above 12 10%

AGE GROUP
20 - 30 yrs
10%
25% 31 - 40 yrs
20%
41 - 50 yrs
50 & above
45%

Analysis

45% of respondents are of age group 31-40.

25% of respondents are of age group 20-30.
20% of respondents are of age group 41-50.
10% of respondents are of age group 50 & above.

Interpretation

From the above graph it can be interpreted that 45% of the

respondents are of age group 31 40.
GENDER :

20
Option Response Percentage
Male 84 70%
Female 36 30%

GENDER

30% Male
Female
70%

Analysis

70% of respondents are of male.

30% of respondents are of female.

Interpretation

From the above graph it can be interpreted that maximum number of

respondents are male.

EDUCATION QUALIFICATION :

21
Option Response Percentage
Postgraduate 60 50%
Graduate 30 25%
Non graduate 18 15%
Others 12 10%

EDUCATION QUALIFICATION
Postgraduate
10% Graduate
15%
50% Non graduate
25% Others

Analysis

50% of respondents are postgraduate.

25% of respondents are graduate.
15% of respondents are non graduate.
10% of respondents are others.

Interpretation

From the above graph it can be interpreted that most of the

respondents are postgraduate.

OCCUPATION :

22
Option Response Percentage
Salaried 30 25%
Self Employed 30 25%
Professional
Self Employed Non 42 35%
Professional
Retired 18 15%

OCCUPATION
Salaried
Self Employed
15% 25% Professional
Self Employed Non
35% Professional
25%
Retired

Analysis

35% of respondents are self employed non professional.

25% of respondents are self employed professionals.
25% of respondents are salaried.
15% of respondents are retired.

Interpretation

From the above graph it can be interpreted that 35% of respondents

are self employed non professional.

MONTHLY INCOME :

23
Option Response Percentage
Upto Rs.20,000 18 15%
Rs.20,001 40,000 36 30%
Rs.40,001 60,000 42 35%
Above RS.60,000 24 20%

MONTHLY INCOME

Upto RS.20,000
20% 15% RS.20,001 - 40,000
RS.40,001 - 60,000
30%
35% Above RS.60,000

Analysis

35% of respondents have monthly income between Rs.40,001-

60,000.
30% of respondents have monthly income between Rs.20,001-
40,000.
20% of respondents have monthly income above Rs. 60,000.
15% of respondents have monthly income upto Rs.20,000.

Interpretation

From the above graph it can be interpreted that 35% of the

respondents monthly income between Rs.40,001- 60,000.

24
 Q) 1. What percentage of your income do you save?

Option Response Percentage

0 10% 24 20%
10 20% 60 50%
20 30% 21 17.50%
30 40% 15 12.50%

PERCENTAGE OF INCOME YOU SAVE

0 - 10%
13% 20%
10 - 20%
18%
20 - 30%
30 - 40%
50%

Analysis

50% of respondents save 10 20% of their income.

20% of respondents save 0 10% of their income.
17.50% of respondents save 20 30% of their income.
12.50% of respondents save 30 40% of their income.

Interpretation

From the above graph it can be interpreted that 50% of the

respondents save 10 20% of their income.

25
 Q) 2. Have you invested your savings so far?

Options Response Percentage

Yes 114 95%
No 6 5%

HAVE YOU INVESTED YOUR SAVINGS?

5%
Yes
No

95%

Analysis

95% of respondents have invested their savings so far.

5% of respondents have not invested their savings so far.

Interpretation

From the above graph it is clear that 95% of the respondents have
invested their savings so far.

26
Q) 3. Are you aware of the following investment avenues?

D. Traditional Investment
A. Safe/Low Risk Investment Avenues:
Avenues: Real Estate (Property)
Savings Account Gold/Silver
Bank Fixed Deposits Chit Funds
Post Office Savings
Government Securities E. Emerging Investment
National Savings Avenues:
Certificates Virtual Real Estate
Hedge Funds
B. Moderate Risk Investment Private Equity
Avenues: Investments
Mutual Funds Art and Passion
Life Insurance
Debentures
Bonds

C. High Risk Investment

Avenues:
Equity Share Market
Commodity Market
FOREX Market

27
Options Response Percentage
A,B & C 30 25%
B,C & D 18 15%
C,D & E 12 10%
A,B & D 60 50%

AWARENESS ABOUT THE INVESTMENT AVENUES

A,B & C
25% B,C & D
50% C,D & E
15%
A,B & D
10%

Analysis

50% of respondents are aware of low, moderate and traditional

investment avenues.
25% of respondents are aware of low, moderate and high risk
investment avenues.
15% of respondents are aware of moderate, high and traditional
investment avenues.
10% of respondents are aware of high, traditional and emerging
investment avenues.

Interpretation

From the above graph we can interpret that most of the people know
about low, moderate and traditional investment avenues.

28
 Q) 4. What do you think are the best options for investing your
money?
(Choose from above list)

Options Response Percentage

Real Estate 30 25%
Gold 24 20%
Life Insurance 42 35%
Shares 24 20%

BEST OPTION FOR INVESTING YOUR MONEY

Real Estate
20% 25% Gold
Life Insurance
35% 20% Shares

Analysis

35% of the respondents preferred Life Insurance as best option for

investing their money.
25% of the respondents preferred Real Estate as best option for
investing their money.
20% of the respondents preferred Gold as best option for investing
their money.
20% of the respondents preferred Shares as best option for investing
their money.

Interpretation

From the above graph it can be interpreted that Life Insurance is

mostly preferred as best option for investing their money.

29
 Q) 5. In which sector do you prefer to invest your money?

Options Response Percentage

Private sector 30 25%
Government sector 60 50%
Public Sector 18 15%
Foreign sector 12 10%

PREFERABLE SECTOR TO INVEST MONEY

Private sector
10% 25%
15% Government sector
Public sector
Foreign sector
50%

Analysis

50% of the respondents preferred Government sector to invest their

money.
25% of the respondents preferred Private sector to invest their
money.
15% of the respondents preferred Public sector to invest their money.
10% of the respondents preferred Foreign sector to invest their
money.

Interpretation

From the above graph it can be interpreted that Government sector is

preferred by maximum number of people to invest their money.

30
 Q) 6. What are the important factors guiding your investment
decisions?

Options Responses Percentage

Return 42 35%
Safety of Principal 54 45%
Diversification 6 5%
Progressive values 18 15%

IMPORTANT FACTORS GUIDING YOUR INVESTMENT DECISION

Return
15%
5% 35% Safety of Principal
Diversification

45% Progressive Values

Analysis

45% of the respondents considered Safety of their Principal as an

important factor for their investment decision.
35% of the respondents considered safety of their Return as an
important factor for their investment decision.
15% of the respondents considered Progressive Values as an
important factor for their investment decision.
5% of the respondents considered Diversification as an important
factor for their investment decision.

Interpretation

From the above graph it can be interpreted that the important factor
guiding peoples investment decision is Safety of Principal.

31
 Q) 7. What are your savings objectives?

Options Response Percentage

Childrens 24 20%
Education
Retirement 18 15%
Home Purchase 36 30%
Healthcare 30 25%
Childrens Marriage 12 10%

SAVINGS OBJECTIVES
Children's Education
10% 20% Retirement
25% Home Purchase
15%
Healthcare
30% Children's Marriage

Analysis

30% of the respondents savings objective is Home Purchase.

25% of the respondents savings objective is Healthcare.
20% of the respondents savings objective is Childrens Education.
15% of the respondents savings objective is Retirement.
10% of the respondents savings objective is Childrens Marriage.

Interpretation

From the above graph it can be interpreted that 30% of respondents

savings objective is Home purchase.

32
 Q) 8. What is your investment objective?

Options Response Percentage

Income and Capital 6 5%
Preservation
Long-Term Growth 30 25%
Short-Term Growth 30 25%
Growth and Income 54 45%

INVESTMENT OBJECTIVES
Income and Capital
5% Preservation
25% Long-Term Growth
45%
Short-Term Growth
25% Growth and Income

Analysis

45% of the respondents investment objective is Growth and Income.

25% of the respondents investment objective is Long-Term Growth.
25% of the respondents investment objective is Short-Term Growth.
5% of the respondents investment objective is Income and Capital
Preservation.

Interpretation

From the above graph it can be interpreted that most of the peoples
investment objective is Growth and Income.

33
 Q) 9. What is the purpose behind investment?

Options Responses Percentage

Wealth Creation 24 20%
Tax Saving 36 30%
Earn Returns 30 25%
Future Expenses 30 25%

PURPOSE BEHIND INVESTMENT

Wealth Creation
25% 20% Tax Saving
Earn Returns
25% 30% Future Expenses

Analysis

30% of the respondents purpose behind investment is Tax Saving.

25% of the respondents purpose behind investment is Earn Returns.
25% of the respondents purpose behind investment is Future
Expenses.
20% of the respondents purpose behind investment is Wealth
Creation.

Interpretation

From the above graph it can be interpreted that 30% of the

respondents purpose behind investment is Tax Saving.
Q) 10. At which rate do you want your investment to grow?

34
Options Response Percentage
Steadily 54 45%
At an Average Rate 36 30%
Fast 30 25%

RATE OF INVESTMENT GROWTH

Steadily
25%
45% At an Average Rate
Fast
30%

Analysis

45% of the respondents want their investment to grow Steadily.

30% of the respondents want their investment to grow at an Average
Rate.
25% of the respondents want their investment to grow Fast.

Interpretation

From the above graph it can be interpreted that maximum number of

persons want their investment to grow at a Steady Rate.

Q) 11. Which factor do you consider before investing?

35
Options Response Percentage
Safety of Principal 54 45%
Low risk 24 20%
High returns 30 25%
Maturity period 12 10%

FACTORS YOU CONSIDER BEFORE INVESTIN

Analysis

45% of the respondents consider Safety of Principal before investing.

25% of the respondents consider High Returns before investing.
20% of the respondents consider Low Risk before investing.
10% of the respondents consider Maturity Period before investing.

Interpretation

From the above graph it can be interpreted that most of the people
consider Safety of their Principal before investing.

Q) 12. i] Do you invest your money in share market? (through a

DEMAT A/C)

Options Response Percentage

Yes 84 70%
No 36 30%

36
DO YOU INVEST YOUR MONEY IN SHARE MARKET?

30% Yes
No
70%

Analysis

70% of the respondents have invested their money in the share

market.
30% of the respondents have not invested their money in the share
market.

Interpretation

From the above graph it can be interpreted that maximum number of

people invest their money in the share market.

Q) 12. ii] If yes: Imagine that stock market drops after you invest
in it then what will you do?

Options Response Percentage

Withdraw your money 6 5%
Wait to increase 60 50%
Invest more in it 54 45%

37
 IF STOCK MARKET DROPS WHAT WILL YOU DO?

5% Withdraw Your Money

45% Wait to Increase
50% Invest More in it

Analysis

50% of the respondents will wait to increase.

45% of the respondents will invest more in it.
5% of the respondents will withdraw their money.

Interpretation

From the above graph it can be interpreted that if share market drops
then most of the people will wait for it to increase.

Q) 13. How often do you monitor your investment?

Options Response Percentage

Daily 12 10%
Monthly 48 40%
Occasionally 60 50%

38
HOW OFTEN DO YOU MONITOR YOUR INVESTMENT?

10% Daily
Monthly
50%
40% Occasionally

Analysis

50% of the investors monitor their investment Occasionally.

40% of the investors monitor their investment Monthly.
10% of the investors monitor their investment Daily.

Interpretation

From the above graph it can be interpreted that most of the people
monitor their investment on an occasional basis.

Q) 14. What is the time period you prefer to invest?

Options Response Percentage

Short-term 24 20%
(0-1yrs)
Medium-term (1- 42 35%
5 yrs)
Long-term (>5 54 45%
yrs)

39
YOUR PREFERRED TIME PERIOD FOR INVESTMENT

20% Short-term
45% Medium-term
Long-term
35%

Analysis

45% of respondents prefer to invest for Long-term.

35% of respondents prefer to invest for Medium-term.
20% of respondents prefer to invest for Short-term.

Interpretation

From the above graph it can be interpreted that most of the people
prefer to invest for Long-term.

Q) 15. Can you take the risk of losing your principal amount?

Options Response Percentage

Yes 48 40%
No 72 60%

40
 RISK OF LOSING YOUR PRINCIPAL AMOUNT

40% Yes

60% No

Analysis

60% of the respondents cannot take the risk of losing their principal
amount.
40% of the respondents can take the risk of losing their principal
amount.

Interpretation

From the above graph it can be interpreted that most of the

respondents cannot take the risk of losing their principal amount.

Q) 16. What is your source of investment advice?

Options Response Percentage

Newspapers 18 15%
News channels 30 25%
Family or Friends 36 30%

41
Books & Internet 18 15%
Advisors 12 10%
Certified Market 6 5%
Professionals/Financia
l planners

YOUR SOURCE OF INVESTMENT ADVICE

Newspapers News channels

10%5% 15% Family or Friends Books & Internet
15%
25% Advisors Certified Market
Professionals
30%

Analysis

30% of the respondents source of investment advice is Family or

Friends.
25% of the respondents source of investment advice is News
Channels.
15% of the respondents source of investment advice is Newspapers.
15% of the respondents source of investment advice is Books &
Internet.
10% of the respondents source of investment advice is Advisors.
5% of the respondents source of investment advice is Certified
Market Professionals.

Interpretation

42
From the above graph it can be interpreted that most common source
of investment advice is Family or Friends.

43
44
Hypothes
is
testing

45
HYPOTHESIS TESTING :

H1: After analyzing the data hypothesis 1 is accepted as qualification

and risk taken by the individuals are two independent attributes.

H2: Hypothesis 2 is accepted because profession is not an important

factor for determining the risk tolerance level of individuals.

H3: Hypothesis 3 is accepted as income is an important factor for

determining the risk tolerance level of individuals.

46
47
CONCLUSION :

Demographic factors influence the investment decisions of an

investor to a great extent.

There is no relation between profession and risk tolerance level of

individuals.

Very less percentage of working people prefer to invest in the stock

market.

48
SUGGESTIONS :

49
 Investments companies should create awareness regarding
several available investment avenues with the help of media.

Before investing in private sector the investors should check the

company details first hand.

Instead of investing directly in share market one should invest

money in mutual funds first as it is a safer mode.

Seminars should be organized by colleges to educate the

teenagers about investment opportunities & stock market.

Government should give incentives or tax benefits to the

investors to promote capital formation.

50
51
LIMITATIONS :

The limitations are as follow:

While analysis the primary data Human error may occurred.

The time for the study is very limited.
The sample size is insufficient to represent the whole
population of the area.

52
53
BIBLIOGRAPHY :

A. BOOKS AND REFERENCES

1. Research methodology (William Zikmud)

B. JOURNALS AND PERIODICALS

C. WEBSITES
1. www.google.com
2. www.investopedia.com
3. www.wikipedia.org

54
APPENDIX :

Name :

55
 Contact No. :

AGE GROUP :
a) 20-30
b) 31-40
c) 41-50
d) 50&above

GENDER :
a) Male
b) Female

EDUCATION QUALIFICATION :
a) Postgraduate
b) Graduate
c) Non Graduate
d) Others

OCCUPATION :
a) Salaried
b) Self Employed Professional
c) Self Employed Non Professional
d) Retired
MONTHLY INCOME :
e) Upto Rs.20,000
f) Rs.20,001-40,000
g) Rs.40,001-60,000
h) Above Rs.60,000

Q) 1. What percentage of your income do you save?

0-10%
10-20%
20-30%

56
 30-40%

Q) 2. Have you invested your savings so far?

Yes
No

Q) 3. Are you aware of the following investment avenues?

A,B&C
B,C&D
C,D&E
A,B&D

Q) 4. What do you think are the best options for investing your money?

(Choose from above list)

Real Estate
Gold
Life Insurance
Shares

Q) 5. In which sector do you prefer to invest your money?

Private Sector

57
 Government Sector
Public Sector
Foreign Sector

Q) 6. What are the important factors guiding your investment decisions?

Return
Safety of Principal
Diversification
Progressive values

Q) 7. What are your savings objectives?

Childrens Education
Retirement
Home Purchase
Healthcare
Childrens Marriage

Q) 8. What is your investment objective?

Income and Capital Preservation

Long term Growth
Short term Growth
Growth and Income

Q) 9. What is the purpose behind investment?

Wealth Creation
Tax Saving
Earn Returns
Future Expenses

58
Q) 10. At which rate do you want your investment to grow?

Steadily
At an Average Rate
Fast

Q) 11. Which factor do you consider before investing?

Safety of Principal
Low Risk
High Returns
Maturity Period

Q) 12. i] Do you invest your money in share market? (through a DEMAT

A/C)

Yes
No

Q) 12. ii] If yes: Imagine that stock market drops after you invest in it then
what will you do?

Withdraw your Money

Wait to Increase
Invest more in it

Q) 13. How often do you monitor your investment?

Daily
Monthly
Occasionally

Q) 14. What is the time period you prefer to invest?

Short term (0 1 year)

59
 Medium term (1 5 years)
Long term ( >5 years)

Q) 15. Can you take the risk of losing your principal amount?

Yes
No

Q) 16. What is your source of investment advice?

Newspapers
News Channels
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