Mutual Fund Investor's Perception

INTRODUCTION
Investment can be defined as an item of value purchased for income or capital

appreciation. Investments are made to achieve a specific objective and savings are
made to meet an unforeseen event.
There are various avenues of investments in accordance with individual preferences.
Investments are made in different asset classes depending on an individual’s risk and
return characteristics Investment choices are physical assets and financial assets.
Gold and Real estates are examples of physical assets, which have a physical form to
them. There is a strong preference for these assets, as these assets can be purchased
with cash and held for a long term. The obvious disadvantages with physical assets are
the risks of loss and theft, lower levels of return; illiquid secondary markets; and
adhoc valuations and transactions.
Financial assets are securities, which are certificates embodying a financial contract
between parties. Bonds, Equity shares, Deposits and Insurance policies are some of
the examples of financial assets. In financial assets investors only hold the proof of
their investments in the form of a certificate or account. These products are usually
liquid, transferable and in most cases, stored electronically with high degree of safety.
But a minimum amount of cash is always kept in hand for transactions and
contingencies. To face the contingencies and unexpected events the insurance came
into existence.
Another avenue of investment is mutual funds. It is created when investors put their
money together. It is therefore a pool of the investor’s funds. The most important
characteristics of a mutual fund is that the contributors and the beneficiaries of the
fund are the same class of people, namely the investors. The term mutual means that
investors contribute to the pool, and also benefit from the pool. There are no other
claimants to the funds. The pool of funds held mutually by investors is the mutual
fund.
A mutual fund pools the money of people with similar investment goals. The money
in turn is invested in various securities depending on the objectives of the mutual fund
scheme, and the profits (or loss) are shared among investors in proportion to their
investments.
Mutual fund schemes are usually open-ended (perpetually open for investments and
redemptions) or closed end (with a fixed term). A mutual fund scheme issues units
that are normally priced at Rs.10 during the initial offer. Thus, the number of units
you own as against the total number of units issued by the mutual fund scheme
determines your share in the profits or loss of a scheme.
In the case of open-end schemes, units can be purchased from or sold back to the fund
at a Net Asset Value (NAV) based price on all business days.
The NAV is the actual value of a unit of the fund on a given day. Thus, when you
invest in a mutual fund scheme, you normally get an account statement mentioning the
number of units that have been allotted to you and the NAV based price at which the
units have been allotted. The account statement is similar to your bank statement.
Mutual funds invest basically in three types of asset classes:
Stocks: Stocks represent ownership or equity in a company, popularly known as

shares.
Bonds: These represent debt from companies, financial institutions or Government

agencies.
Money market instruments: These include short-term debt instruments such as

treasury bills, certificate of deposits and inter-bank call money.
A mutual fund’s business is to invest the funds thus collected, according to the wishes
of the investors who created the pool. In many markets these wishes are articulated as
investment mandates.
Analysis of The perception towards these mutual funds is done here in this project.
Even what factors the investors look before investing can also be observed.
OBJECTIVES
 To study the level of awareness of mutual funds
 To analyse the perception of investors towards mutual funds.
 To study the factors considered by the investors and those which ultimately
influence him while investing.
 To determine the type of mutual fund investor prefers the most.

RESEARCH METHODOLOGY
Primary data is data that is tailored to a company’s needs, by customizing true

approach focus groups, survey, field-tests, interviews or observation.
Primary data delivers more specific results than secondary research, which is
an especially important consideration when one launching a new product or service. In
addition, primary research is usually based on statistical methodologies. The tiny
sample can give an accurate representation of a particular market.
Secondary data is based on information gleaned from studies previously
performed by government agencies, chambers of commerce, trade associations and
other organizations. This includes census bureau information. Much kind of this
information can be found in libraries or on the web, but looks and business
publications, as well as magazines and newspapers.
Analysis of individual investment patterns can be done by this primary data

analysis. In this project we have done a survey with a questionnaire with a sample size
of 20 individuals who are employees and tax payees. The questionnaire includes the
economic status of the individuals, age group, marital status, investments made etc.
LIMITATIONS
Geographic Scope: The sample used for the study has been taken from the investors of
the twin cities Hyderabad and Secunderabad.
Frame work: Sampling frame (i.e the list of population members) from which the
sample units are selected was incomplete as it takes into consideration only those
(target investors) who have made their investments during March and April 2006.
Although adequate care was taken to elicit the accurate information from the
respondents, some of them have felt difficulty in crystallizing their feelings into
words. Apart from the problem faced in articulating, it is the validity of the feedback
can be speculated.
Despite the above limitations the study is useful in that it does point out the trends and
helps to identify the dimensions for improving the scope of mutual funds.
CHOOSING FUNDS
When it comes down to it, the decision to invest in a mutual fund is one you have to
make on your own. When you try to choose an investment, however, it is a good idea
to seek the guidance of a financial advisor who will review its objective to make sure
it supports your financial goal.
As an investor, your goals are unique, and a financial advisor can help match you with
the best funds. Remember, however, when you are choosing funds, to consider how
much risk you are comfortable with and when you'll need the money. If you have the
time to weather the market's ups and downs, you may want to consider equity
investments.
Before you select a mutual fund, it is essential to read the prospectus carefully to learn
all you can about the fund's performance, investment goals, risks, charges and
expenses.
DECISION MAKING FACTORS WHILE INVESTING IN MUTUAL FUNDS
Before looking at the mutual funds available to you, it may be best to decide the mix
of stock, bond, and money market funds you prefer. Some experts believe this is the
most important decision in investing. Here are some general points to keep in mind
when deciding what your investment strategy should be.
Diversify. It is a good idea to spread your investment among mutual funds that invest
in different types of securities. Stocks, bonds, and money market securities work
differently. Each offers different advantages and disadvantages. You may also want to
diversify within the same class of securities. Diversifying can keep you from putting
all your eggs in one basket and therefore, may increase your returns over along period
of time.
Consider the effects of inflation. Since the money you set aside today may be
intended to be used several years down the road, you need to look at inflation.
Inflation measures the increase of general prices over time.
Conservative investments like money market funds often may be popular because they
are managed to keep a steady value. But their return after accounting for the inflation
rate can be very low, perhaps even negative.
For example, a 4% inflation rate over a period of many years could erase a money
market fund's 3% yield over the same period of time. So even though such an
investment may give some safety of principal, it may not be able to grow enough in
value over the years or even keep up with the rate of inflation.
Patience is a virtue. It's no secret—the prices of common stocks can change quite a
bit from day to day. Therefore, the part of your account invested in stock funds would
likely fluctuate in value much the same way.
If you don't need your money right away (for at least 5 years), you probably don't need
to panic if the stock market declines or you find that your quarterly statement shows
the value of your investment has fallen. In the past, the stock market has regained lost
value over time. Although you are not assured it will do so in the future, try to be
patient and allow your stock funds time to recover.
Remember the saying, "buy low, and sell high." Switching out of a stock mutual fund
when prices are low is usually not the way to make the most of your investment. Of
course, if a fund continues to under-perform over time as well as your other fund
choices, you may want to consider changing funds.
Look at your age. Younger investors may be more at ease with stock funds, because
they have time to wait out the short-term ups and downs of stock prices. By investing
in a stock fund, they might be able to receive high returns over the long-term.
On the other hand, people who are closer to retirement may be more interested in
protecting their money from possible drops in prices, since they'll need to use it soon.
In this case, it may be wise to place a greater percentage of money in bond and/ or
money market funds, which may not have such large changes in value.
How can you determine an investment mix appropriate for your age? One way is
to subtract your age from 100. The answer you come up with may be a good number
to start with in deciding what portion of your total investments to put into stock
mutual funds.
READ FUND DOCUMENTS
Your primary source of data concerning the mutual fund will be the prospectus. It is a
legal document illustrating the rules and regulations that a mutual fund must follow
and contains information on the fund's goal and strategy, risks, performance, financial
highlights fees and expenses, and a wide variety of information that you should know
before investing.
PRIMARY DATA FOR THE PROJECT:
For the customized needs of the project, primary data was collected through a survey
in different cities . A Random sample of 20 investors were surveyed. They were all
asked to answer a questionnaire true to their knowledge. The feedback obtained from
the customer was instrumental, gauging the perception of the investors towards mutual
funds. It also throws light on the factors, which influence them to make decisions
while investing. Further the interaction with few of the investors goes a long way in
understanding the inlaid reasons for their decisions.
SECONDARY DATA:
The main sources of secondary data are the web sites of various mutual fund houses
like cholamandalam mutual fund, Franklintempletonindia, ICICI, BIRLA SUNLIFE,
KOTAK and more such houses. Many references were collected from different
libraries to gain an insight on mutual funds. Previous studies conducted in this field
provided valuable help. In addition to the above sources, Working with different
associates and interaction with their personnel provided a pragmatic edge to my
theoretical concepts.
Survey Details
Total Sample Size 20
Economic Status Criterion Tax payees & Non tax payees
Age groups 21 years and above
Martial Status Criterion Married, Married with children & Unmarried
FACTORS CONSIDERED BY INVESTORS
WHILE INVESTING
Every investor considers several factors while investing in any of the products as it
deals with the most important need of life “money”.
The five main factors that were considered are:

1. Safety & security
2. Tax exemption
3. Liquidity
4. Profitability
5. Return pattern
Factors considered by investors
While investing
17%
31%
14%
12% 26%
Safety & security Tax exemption
Liquidity Profitability
Return pattern
SAMPLE SIZE 20
ECONOMIC STATUS TAX PAYEES AND NON-TAX PAYEES
The above graph shows that 31% people consider safety & security as the main factor
while investing, 26% goes for Tax exemption, 17% considered return pattern in the
investment, 14% went with profitability and 12% showed interest in liquidity.
ANALYSIS OF THE ABOVE GRAPH:
In a developing country like India most of the people fall in the lower middle class
and middle class sectors. The attitude of the investors is of primary concern. As more
and more options that warrant high returns are available in the market, investor tends
to be more skeptical. So, while investing in any avenue, their first priority is safety
and security. Even the age of the investor plays a major role in the decision-making.
For example, if the investor is in the age of 50 and above, he usually looks for low or
no risks while investing. Therefore, 31% of investors surveyed preferred safety &
security.
Next is the “tax exemption”; as there is tremendous boom in the corporate

sector and the remuneration system for a particular sector has changed. This created a
change in income levels and thereby affected the expenditure patterns. In the past, it
took employee years of time to reach a five-figured salary. But, gradually the system
has changed. Even the employee in the lower level or the middle level of the corporate
ladder is receiving a handsome emolument. So, they are opting for the exemption of
tax. Therefore, the next preference is for tax exemption that is 26% of the total.
Besides investors going for Safety & security, there are investors who opt for
return on investments they made. They are mainly in the age group of 23 and 35.
Because these investors are likely to think that, at this age they are mentally more
stable and feel that they can cope with financial risks. Any profits made would further
bolster their financial stability. And so, 17% went with return pattern of their
investment. In the same way, 14% of the investors look for profitability, especially
those who are already doing business, i.e. those who are already accustomed to taking
risks.Out of the total, 12% of investors preferred liquidity. The main reason for this
could be that, that making the invested money liquefied as and when required is
important, and this is not possible if the investments are made in any insurance, Bank
deposits, etc.
Though there are numerous factors that can be attributed to an investor’s psyche,
by large, we can conclude that maximum number of investors is investing in those
sectors where there is safety & security for their principal. The other factors antecede
safety.
INVESTMENT PATTERN:
Investment pattern
7% 5% 4%
2%
9% 42%
31%
Bank deposits insurance mutual fund

bonds shares Equity
none
Sample size 20
Economic status Tax payees & non-tax payees
From the above graph, it is clear that 42% opted for an investment in bank deposits,
31% for insurance, 7% for shares, 9% for mutual fund, 2% for bonds, 5% for equity
and remaining 4% have invested in some other investments such as real estates etc.
The investment pattern of an investor is also very important because this shows the
avenues where the people are really interested. Here, 42% have invested in bank
deposits as it is very safe and risk free. Out of the sample of 100,it is observed that
those who opted for an investment in banks in the form of deposits are found to be in
the age group of 40 and above and are in government services.
The next preference, as observed in the pie chart for investment pattern is
“Insurance”. People generally opt for life insurance because it promotes a sense of
safety & security for the dependents on the person and even his belongings. So, the
next priority is insurance. 7% of the investors went for an investment in shares as it
brings quick returns, although shares are prone to high risks.
As shown 9% of the investors opted for an investment in mutual funds. From

this we can infer that the market of mutual fund is picking up slowly. According to the
survey, the people who have invested in the mutual funds belong to high-income
range and they want an exemption from tax and a mere 2% opted for bonds, 5% for
investment in equity and 4% have invested in other investments such as Real estate to
make quick returns on their investments.
AWARENESS TOWARDS MUTUAL FUNDS:

Awareness towards mutual
funds
13%
87%
Aware of mutual fund Not aware of mutual fund
In the above pie chart, we can observe that nearly 90% of investors are aware of
mutual funds and only 13% people are not aware of it. This shows that most of the
investors know about mutual funds in one or the other way.
Of the sample surveyed, almost all of the people are aware of mutual funds. They are
aware of the term “mutual fund”. Though the questionnaire cannot identify the extent
of the awareness. Through the interaction it is found that they are not actually aware
of the advantages in investing mutual funds, various types of mutual funds and
different schemes offered in it. It is found that People often have an inhibition that
investments in mutual funds can be done only by those who have surplus amount of
money with them and want to avail tax redemption.
MUTUAL FUND INVESTMENTS:
Mutual funds are medium risk investments. Though Investing in mutual fund doesn’t
assure a fixed amount of returns, nevertheless, they are not low. The awareness about
mutual funds is the primary criterion.
Mutual fund investments
19%
6%
75%
Equity funds Debt funds Liquid funds
Sample size 20
Criterion Mutual fund investors in the survey
From the graph, it is clear that only 16 out of 100 invested in mutual funds. From
those 16, 12 have invested in Equity funds, 3 in liquid funds and the remaining 1 in
debt funds.
Only 16 out of 100 invested in mutual funds this can be mainly attributed to the low
level of awareness, various inhibitions and a not so clear idea about the mutual funds.
It is very important to have a clear perception of mutual funds, how they work and
how the money is invested in different portfolios according to the investors’ choice.
Investors who opted for equity funds are 12 of 16 percent. Equity funds being the
majority preference can be reasoned as they want their investments to be put in
various sectors i.e. DIVERSIFIED FUNDS so that they can make profits out of it
easily. Even some went for INDEX FUNDS as the investments are made in Bench
Nark Index Stock like BSE, NSE.
A few (3%of 16%) investors made investments in liquid funds as they want a
Short term investments where the investor need not wait for much time for the return.
These are also called as Money Markets for short term.
Only a single investor went for debt funds where investments are in various debt
products like Certificate of Deposits (CD’s), Commercial papers and call money as
the investor want a secured investment, which he can avail in Debt Funds.
FINDINGS
 Many of the investors are aware of mutual funds but most of their perception
towards them is not positive.
 Investors are mainly concerned with the risk factors of mutual funds and are
not directing towards them.
 The investors who have invested in mutual funds mainly go for it because of
the Liquidity matter and Tax exemption.
 Most of the people don’t know the advantages of mutual funds and the various
types of mutual funds.
 There are nearly 1173 schemes of mutual funds offered by various mutual fund
houses, which an ordinary person is not aware.
 A common investor basically looks for the Tax exemption and Safety &
security while investing.
 Investors often feel that those people, who have surplus amount with them and
invest to avail Tax exemption, can do investing in mutual funds.
SUMMARY
This report is an attempt to provide an analysis of the perception of an investor

towards mutual funds. However, what has been reported is only the tip of iceberg in
terms of data that are available.
However, my examinations suggests that employees are interested to invest in mutual

funds provided sufficiently educated and a know-how is provided on its working.
Though the self-employed are investing in mutual funds and insurance, they are
investing small amounts in them because they do not want to take high risks.
Instuitution should educate the people about the various advantages of investing in
mutual funds and create an awareness regarding various investment options.
In conclusion, it is important to remember that the main purpose for initiating the
project is to analyze the perception of an ordinary investor towards the mutual funds
and the aspects that guide him to make investment decisions. The study does not aim
to advocate investments in mutual funds.
CONCLUSION
Mutual funds are still and would continue to be the unique financial tool in the
country. One has to appreciate the fact that every aspect of life as its periods of high
and lows. This has been the case with the stock markets. Why not apply the same
logic to mutual funds? Mutual funds have not failed in any country where they worked
with regulatory frame work. Their future is bright. The poor performance of many
mutual funds schemes may be mostly attributed to the quality of personal involved
and their matter of fund management.
SUGGESTIONS
Make people aware of mutual funds by:
 Arranging free seminars in different organizations about mutual fund investments.
 Arranging stalls in Public places is a good publicity.
 More advertisements need to come to explain the various advantages of mutual

funds and even the various schemes offered by them.
What to expect from a financial advisor
The key for mutual fund investors is to define and recognize the value of
professional financial services, and then insist on getting that value. When you pay
a sales charge or a fee, what can you expect a professional to do for you? Your
advisor should at least:
 Understand investor needs and help him formulate long-term investment goals and
objectives.
Before making specific recommendations, advisor should try to gain a whole
picture of investors past experience, lifestyle and goals, as well as his other
investments and current financial situation. When the investor planning to retire,
for example? Does the investor have life insurance? Does he own real estate? How
secured is his job?
 Help the investor develop realistic expectations by discussing the risks and
rewards of each investment. Every investment choice has its strengths and
weaknesses, and investor should never feel less than fully informed. When
investor ask questions, or have doubts.
 Investor should expect your financial advisor to answer honestly, and help him
develop a strategy that is both realistic and comfortable for him.
 Match investor’s goals and objectives with appropriate mutual funds. Investor
should expect your advisor to make clear and specific recommendations, and
explain the reasons behind them in terms he can understand. Of course, the advisor
should be confident and well informed about the management and portfolio
strategies of any mutual funds recommended.
 Continually monitor investor portfolio and help you interpret performance.
Your advisor cannot influence or predict a fund's results. However, he or she
should discuss results with you and help you judge your progress. You should
feel that you can always ask your advisor, "How am I doing?"
 Conduct regular reviews to ensure that your strategy continues to provide an
optimal results for you.
 One of the most valuable services your advisor can provide is to help you "stay on
course" with your investment program. But "staying on course" long term does not
necessarily mean staying put. Expect your financial advisor to work with you to
adjust your portfolio in response to any significant change in your lifestyle,
priorities, assets or responsibilities.
 These are the basic services that investors should expect from their financial
advisors. Beyond the basics, many investors could use even more specialized
assistance, like advice on retirement plan distribution options, setting up and
servicing retirement plans for small businesses and self-employed individuals,
developing tax-advantaged strategies for children's college education, insurance,
estate, and trust planning; and year-end mutual fund tax advice.
INVESTOR’S PERCEPTION TOWARDS MUTUAL FUNDS
PERSONAL INFORMATION
A) Name:
B) Type of Business:
C) Address:
D) Telephone: Mobile:
E) Fax: Email:
F) Annual Income:
1. What kind of investments you prefer most? Pl tick (√). All applicable
[] Shares [] Equity [] Mutual Fund [] Insurance
[] Bank Deposit [] Bonds
[] Others Specify---------------------------------
2.Why do you prefer the above option?
[] Return Pattern [] Tax Exemption
[] Liquidity [] Safety & Security
[] Profitability [] Guaranteed Return
[] Others Specify-----------------------------------
3.How long would you like to invest?
[] Short term (below 1yr) [] Medium term (up to 2yrs)
[] Long term (above 3yrs)
4.Have you seen any advertisements for Mutual Funds?

[] Yes [] No
5.If yes, what are the advertisement have you seen for?
[] Birla sunlife mutual funds [] Reliance mutual fund
[] Chola mutual funds [] Standard charted mutual funds
[] Franklin Templeton mutual fund [] Sundaram mutual fund
[] HDFC mutual fund [] UTI mutual fund
[] ING VYSA mutual fund [] Any other specify--------------------
[] Prudential ICICI mutual fund
6. Mention the names of mutual funds you have invested?
---------------------------------------------------------------------
7. In which scheme of mutual funds have you invested?
[] Debt [] Equity
[] Liquidity [] Mixed (Debt & Equity)
[] Others specify---------------------------
8. Which factors you consider the most while, investing in mutual funds?
[] Return patterns [] Performance
[] Services [] Risk factors
[] Quality of portfolio [] Professional management
[] Wealth creation
9. Which period of dividend income you prefer the most?
[] Monthly [] Quarterly
[] Half yearly [] Annual
10. How often you need reminders (recall) about mutual fund?
[] Monthly [] Quarterly
[] Half yearly [] Annual
11. If you need so, which mode you would prefer?
[] Account statements [] Remainder letters
[] Television & Internet [] News papers & Magazines
12. When you invest in Mutual Funds which mode of investment will you prefer?
[] One Time Investment Plam
[] Systematic Investment Plan
13. As investors please specify your needs, expectations and recommendations to
Develop the mutual funds…….
Name: Pawan Singh
Occupation: Deployment engineer
Email Id: psingh@hpe.com
Mobile Number: 9889505696
What kind of investments you prefer most? Pl tick . All Saving account;Mutual Fund
applicable
Why do you prefer the above option? Profitability
How long would you like to invest? Medium term (up to 2yrs)
Have you seen any advertisements for Mutual Funds? Yes
If yes, what are the advertisement have you seen for? Prudential ICICI mutual fund
Mention the names of mutual funds you have invested? Equity mutual fund scheme
In which scheme of mutual funds have you invested? Equity
Which factors you consider the most while, investing in Return patterns
mutual funds?
Which period of dividend income you prefer the most? Monthly
How often you need reminders (recall) about mutual fund? Monthly
If you need so, which mode you would prefer? Account statements
When you invest in Mutual Funds which mode of Systematic Investment Plan (SIP)
investment will you prefer?
As investors please specify your needs, expectations and Return interest should be high and
recommendations to Develop the mutual funds. profitable
Name: Abinesh Kumar

Occupation: Setup Configuration Specialist
Email Id: abineskr0@gmail.com
What kind of investments you prefer most? Pl tick . All
applicable Mutual Fund
If yes, what are the advertisement have you seen for? SBI mutual fund
Mention the names of mutual funds you have invested? No
In which scheme of mutual funds have you invested? Debt
Which factors you consider the most while, investing in
mutual funds? Services
If you need so, which mode you would prefer? News papers & Magazines
When you invest in Mutual Funds which mode of
investment will you prefer? Systematic Investment Plan (SIP)
As investors please specify your needs, expectations and
recommendations to Develop the mutual funds.
Name: Jaswant singh
Occupation: Cashier and mutual fund adviser
Email Id: Jaswantsingh1991@gmail.com
applicable Shares;Mutual Fund;Insurance;Real Estate
Why do you prefer the above option? Safety & Security
If yes, what are the advertisement have you seen for? Prudential ICICI mutual fund
Mention the names of mutual funds you have invested? Bajaj finance
In which scheme of mutual funds have you invested? Mixed (Debt & Equity)
mutual funds? Return patterns
If you need so, which mode you would prefer? News papers & Magazines
As investors please specify your needs, expectations and As a investor always thinking about customer
recommendations to Develop the mutual funds. who invested money on share or mutual fund
Do something or advice them to invest on
profitable org or company
Because once customer get profitable

Than again he will invest and may be change to
win his heart
Be regular customer
Name: Ashwini Verma

Occupation: Business
Email Id: Ganeshar073@gmail.com
Why do you prefer the above option? Guaranteed Return
How long would you like to invest? Short term (below 1yr)
If yes, what are the advertisement have you seen for?
Which factors you consider the most while, investing in SBI Mutual fund
mutual funds?
Which period of dividend income you prefer the most? Quarterly
How often you need reminders (recall) about mutual fund? Quarterly
As investors please specify your needs, expectations and Assigning good android application for better
recommendations to Develop the mutual funds. knowledge
Name: Bulkesh kumar

Occupation: Student
Email Id: kumarbulkesh1999@gmail.com
applicable Fixed Deposit
Why do you prefer the above option? Liquidity
If yes, what are the advertisement have you seen for? HDFC mutual fund
Mention the names of mutual funds you have invested? Balance fund
In which scheme of mutual funds have you invested? Liquidity
How often you need reminders (recall) about mutual fund? Half yearly
If you need so, which mode you would prefer? Television & Internet
recommendations to Develop the mutual funds. Return should be more
Name: Nikhil kumar Singh

Occupation: Student
Email Id: nikhil.sunnyrajput@gmail.com
If yes, what are the advertisement have you seen for? Reliance mutual fund;HDFC mutual fund
Mention the names of mutual funds you have invested? Hdfc mutual fund
mutual funds? Risk factors
Which period of dividend income you prefer the most? Annual
How often you need reminders (recall) about mutual fund? Annual
investment will you prefer? One Time Investment
Name: Karni singj

Occupation: Broker
Email Id: 1999karnisingj@gmail.com
applicable Saving account
If yes, what are the advertisement have you seen for? Reliance mutual fund
Mention the names of mutual funds you have invested? Reliance mutual funds
mutual funds?
investment will you prefer? One Time Investment
Name: Kartikeya
Occupation: Student
Email Id: Kartikeya1008@gmail.com
How long would you like to invest? Long term (above 3yrs)
If yes, what are the advertisement have you seen for? Birla sunlife mutual funds
Name: Vanshika
Occupation: Data Analyst
Email Id: Vanshikaahlawat1129@gmail.com
applicable Saving account
Why do you prefer the above option? Return Pattern
Have you seen any advertisements for Mutual Funds? No
If yes, what are the advertisement have you seen for? UTI mutual fund
In which scheme of mutual funds have you invested? Equity
mutual funds? Performance
How often you need reminders (recall) about mutual fund? Annual
Name: Rajendra
Occupation: Student
Email Id: rkchoudhary0639@gmail.com
applicable Shares
If yes, what are the advertisement have you seen for? HDFC mutual fund;SBI mutual fund
Mention the names of mutual funds you have invested? Sbi mutual funds
mutual funds? Performance
Name: Rishav Agarwal

Occupation: Student
Email Id: alokgarg666@gmail.com
If yes, what are the advertisement have you seen for? Standard charted mutual funds
How often you need reminders (recall) about mutual fund? Half yearly
recommendations to Develop the mutual funds. Shusj
Name: Abhishek Verma
Occupation: Coordinator
Email Id: jakharsurta@gmail.com
If yes, what are the advertisement have you seen for? SBI mutual fund
Mention the names of mutual funds you have invested? Balanced fund
mutual funds? Risk factors
If you need so, which mode you would prefer? Remainder letters
recommendations to Develop the mutual funds. Return should be more .
Name: Amanjeet Sahu

Occupation: Junior Analyst
Email Id: amanjeetsahu97@gmail.com
applicable Saving account;Mutual Fund;Insurance
If yes, what are the advertisement have you seen for? HDFC mutual fund;SBI mutual fund
Mention the names of mutual funds you have invested? Aditya Birla Sun Life Mutual Fund
As investors please specify your needs, expectations and To make people aware about the mutual fund
recommendations to Develop the mutual funds. investment, Companies should start organizing
seminars ,conferences and public meetups.
Name: Rajendra saran
Occupation: Site Engineer
Email Id: rsaran173@gmail.com
applicable Real Estate
If yes, what are the advertisement have you seen for?
Mention the names of mutual funds you have invested? HDFC MUTUAL FUND
mutual funds? Quality of portfolio
Which period of dividend income you prefer the most? Half yearly

Mutual Fund Investor&#39;s Perception

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Mutual Fund Investor&#39;s Perception

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INTRODUCTION

Investment can be defined as an item of value purchased for income or capital

Stocks: Stocks represent ownership or equity in a company, popularly known as

Bonds: These represent debt from companies, financial institutions or Government

Money market instruments: These include short-term debt instruments such as

 To study the level of awareness of mutual funds

 To analyse the perception of investors towards mutual funds.

 To determine the type of mutual fund investor prefers the most.

Primary data is data that is tailored to a company’s needs, by customizing true

Analysis of individual investment patterns can be done by this primary data

DECISION MAKING FACTORS WHILE INVESTING IN MUTUAL FUNDS

PRIMARY DATA FOR THE PROJECT:

Total Sample Size 20

Economic Status Criterion Tax payees & Non tax payees

Age groups 21 years and above

Martial Status Criterion Married, Married with children & Unmarried

FACTORS CONSIDERED BY INVESTORS

The five main factors that were considered are:

ECONOMIC STATUS TAX PAYEES AND NON-TAX PAYEES

ANALYSIS OF THE ABOVE GRAPH:

Next is the “tax exemption”; as there is tremendous boom in the corporate

Bank deposits insurance mutual fund

Economic status Tax payees & non-tax payees

ANALYSIS OF THE ABOVE GRAPH:

As shown 9% of the investors opted for an investment in mutual funds. From

AWARENESS TOWARDS MUTUAL FUNDS:

Aware of mutual fund Not aware of mutual fund

ANALYSIS OF THE ABOVE GRAPH:

MUTUAL FUND INVESTMENTS:

Equity funds Debt funds Liquid funds

Criterion Mutual fund investors in the survey

ANALYSIS OF THE ABOVE GRAPH:

This report is an attempt to provide an analysis of the perception of an investor

However, my examinations suggests that employees are interested to invest in mutual

Make people aware of mutual funds by:

 Arranging free seminars in different organizations about mutual fund investments.

 Arranging stalls in Public places is a good publicity.

 More advertisements need to come to explain the various advantages of mutual

What to expect from a financial advisor

4.Have you seen any advertisements for Mutual Funds?

Name: Abinesh Kumar

Because once customer get profitable

Name: Ashwini Verma

Name: Bulkesh kumar

Name: Nikhil kumar Singh

Name: Karni singj

Name: Rishav Agarwal

Name: Amanjeet Sahu

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Mutual Fund Investor's Perception

Mutual Fund Investor's Perception