DECLARATION

I do hereby declare that the project work entitled “WEALTH MANAGEMENT OF INVESTORS
AT WALLET 4 WEALTH, BHUBANESWAR: ANALYSIS OF PERSONAL FINANCE
MANAGEMENT” submitted to D.A.V. School of Business Management, Affiliated to Utkal
University, is a record of original work done by me under the guidance of Mr. Trinath Lenka,
Director, Wallet 4 Wealth and Mr. Samiran Mishra, Lecturer, DSBM.

Date: Name: - Moushmi Vineesh

Place: Bhubaneswar Roll. No:-36316UT17036

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 ACKNOWLEDGEMENT

It is really a great pleasure to have this opportunity to express the feeling out of gratitude
imprisoned in the deepest core of my heart.

At the onset, I convey my sincere gratitude to the Mr. Trinath Lenka, Director, Wallet 4 Wealth
for giving me the opportunity to prepare my project work.

I do express my sincere thanks to Mr. Samiran Mishra, Lecturer, DSBM for his delegant guidance
and continuous monitoring of the project.

I must also express my deepest gratitude to the Principal and the Lecturer Council of DSBM, for
their timely help as and when required.

I cannot conclude this acknowledgement without thanking my family, relatives, acquaintances,

and friends who have offered their valuable cooperation to me at every stage.

Date:- Name:- MoushmiVineesh

Place:- Bhubaneswar Roll no.:36316UT17036

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 CONTENTS

TITLE PAGE i
DECLARATION Ii
ACKNOWLEDGEMENT Iii
CERTIFICATE OF THE EXTERNAL GUIDE iv
CERTIFICATE OF THE INTERNAL GUIDE v
TABLE OF CONTENTS Vi
LIST OF TABLES vii
LIST OF FIGURES viii
EXECUTIVE SUMMARY ix
1. INTRODUCTION
1.1 Identification of Problem 1
1.2 Statement of the problem 2
1.3 Objectives of the study 2
1.4 Scope and Limitations of the Study 3
2. REVIEW OF LITERATURE
2.1 Background study 5
2.1.1 Review of literature 7
2.2 Company Profile 11
3. METHODOLOGY
3.1 Sample Design 17
3.2 Data Collection 17
4. ANALYSIS AND INTERPRETATION 19
5. FINDINGS
5.1 Major findings 39
5.2 Conclusion 40
BIBLIOGRAPHY 41
ANNEXURE 43

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 LIST OF TABLES

Sl. No. Table No. Table Name. Page No.

1 4.1 Analysis of gender 19

2 4.2 Family Structure 20

3 4.3 Annual Income 21

4 4.4 Stages of Life Cycle 22

5 4.5 Sector in which they are employed 23

6 4.6 Years of working 24

7 4.7 Investment Avenues 25

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 LIST OF FIGURES
Sl. No. Fig. No. Figures Page No.

1 4.1 Analysis of gender 19

2 4.2 Family structure 20

3 4.3 Annual income 21

4 4.4 Stages of life cycle 22

5 4.5 Sector in which they are employed 23

6 4.6 Years of working 24

7 4.7 Investment avenues 26

8 4.8 Financial planner 28

9 4.9 Financial planning 29

10 4.10 Systematic approach of investment 30

11 4.11 Investing plan 31

12 4.13 Percentage of income 32

13 4.14 Awareness of WEALTH MANAGEMENT 33

14 4.15 Asset allocation 34

15 4.16 Duration of investment 35

16 4.17 Portfolio management services 36

17 4.18 WEALTH MANAGEMENT 37

18 4.19 Balances of uncertainty with various asset mix 38

investments

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 D.A.V. SCHOOL OF BUSINESS MANAGEMENT
UNIT-VIII, NAYAPALLI, BHUBANESWAR-751012

Email: dsbmbbsr@gmail.com. Website: www.dsbm8.org.

Tel: 0674-2560539
Committed to Excellence

CERTIFICATE OF INTERNAL GUIDE

This is to certify that the project titled “WEALTH MANAGEMENT OF INVESTORS AT

WALLET 4 WEALTH, BHUBANESWAR: ANALYSIS OF PERSONAL FINANCE
MANAGEMENT” submitted by MOUSHMI VINEESH bearing the university roll no:
36316UT17036, for the partial fulfillment of the degree of Bachelor of Business Administration
(Batch 2017-20), embodies the bona fide work done by her under my supervision and guidance.

I wish her success in her career.

Date: Mr. Samiran Mishra

Place: Bhubaneswar Lecturer, DSBM.
 Executive Summary

The study of financial planning comprises of areas of knowledge such as investment, retirement
and estate planning, taxation and insurance and risk management. This study has also attempted
to construct a plan to manage wealth for an individual residing in Bhubaneswar using these areas
of knowledge. This study is prepared based on requirement of an individual residing in state. This
plan involves the detailed review and analysis of all facets of client financial situation including
cash flow and net worth analysis, retirement planning, risk management and insurance plan,
investment plan, tax plan and retirement and estate plan. It is only through comprehensive analysis
that client true financial condition can be determined and the proper plan can be recommended.
The analysis includes calculation of outstanding amount of home loan and its interest, and
comparison of client liability for purchase of these assets with their actual values. The second part
of plan assesses the risks client is currently exposed to and offers some insurance coverage to
mitigate those risks. Plan focuses on client need and requirements considering following elements:

 Client retirement at Age 60

 Client' spouse life expectancy at age 100
 Client’s daughter education need based on client goal
 Impact of inflation on client expenses
 Replacement of car and other house content in regular interval based on client requirement

Inadequacy and unavailability of protection can pose big risk to client dependents, when a
premature death or permanent total disability occurs. The third part of plan focuses on a general
overview of importance of retirement and estate planning and the required steps. This plan furthers
informs client the consequence of tax nonpayment and a recommendation on how to minimize
client tax payable.

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