INVESTMENT BEHAVIOR OF INDIVIDUALS IN BELGAUM

RESEARCH PROPOSAL

SANDEEP JADAGOUD BBA10040

INVESTMENT BEHAVIOUR OF EMPLOYEES IN BELGAUM

BACKGROUND
India Investment Trends Investing security. youths thanks BPO, wisely Today are to Call well is an

important part of financial Indian paid

compared to last decades Information ITES Center like and Technology,

overall strong economy. So people are able to save more money. Choosing a wise investment is very crucial because you have to balance the risks and returns. For example many people invest private firms which offer very high interest rate but they may vanish after some time losing all the invested money. Here are some major investment options popular in India. Bank Fixed Deposits This is a very common investment method. Risk is less compared to other return depends type also on of investments Interest scheme but rate you less. the

varies from bank to bank and choose. Tenure can be anything between 15 days to 5 years. All leading nationalized, private and cooperative banks offer fixed deposits. Different banks have different schemes and features like easy FD, cash certificate, auto renewal, and free credit card with FD etc.

INVESTMENT BEHAVIOUR OF EMPLOYEES IN BELGAUM

Life Insurance This is another important

investment option in India. Life insurance Corporation of India, a Government of India undertaking is the market leader followed by private Alliance AIG Life, and Aviva Life Insurance etc. players Life like ICICI HDFC Prudential Life Insurance, Bajaj Insurance, Standard Life, Birla Sun life, Kotak Mahindra, Reliance Life Insurance, Tata

Real Estate/Property Property prices in major

Indian cities are doubling in every 2-3 years so investing in property safe is a good with idea. good Investing in property is also a investment returns. Buy a flat, property or individual house is a prime area or suburbs of main cities and it will appreciate well in another few years. Getting a housing loan is not very difficult these days. Invest in property in main cities like Mumbai, Delhi, Chennai, Bangalore, Hyderabad, Calcutta, Kochi etc.

INVESTMENT BEHAVIOUR OF EMPLOYEES IN BELGAUM

Postal Saving Schemes Apart from postal services like delivering letters, registers, parcels and money orders Postal department of India offers financial services like recurring deposit, postal life insurance, saving account and national saving certificate.

Gold Investing in gold is another good option for long term. Normally gold appreciate about 17% per year. It is a very good return when inflation is about 4 to 6%. When investing in gold it is better to invest in gold coins or gold mutual funds. When you buy gold as ornaments you will lose money wastage. as making charges and

INVESTMENT BEHAVIOUR OF EMPLOYEES IN BELGAUM

Shares and Mutual Funds Investing in Shares and Mutual Funds are risky options but return is more. You will have to study about the company well before investing. To invest in shares you have to start a demat account first. If you have enough time to spend they study about the companies and invest wisely otherwise invest in mutual funds.

National Saving Certificate and Public Provident Fund NSCs and PPFs are safe and secure investment method but return is less compared to current bank interest rates and share market returns.

Bonds, Chit Funds and Company FDs Other possible investment options are bonds, chit funds and company FDs. Some chit funds and company FDs offer high interest rates but may vanish after some times. So be careful firms. while investing in such

INVESTMENT BEHAVIOUR OF EMPLOYEES IN BELGAUM

General Investment Trends Majority of Indians choose fixed deposits, real estate and life insurance as their primary investment method. Also many prefers NSC, PPF and other safe investment methods to invest their hard earned money. Postal saving schemes also popular in retired people and senior citizens.

RESEARCH PROBLEM
To know the investment behaviour of individuals. To know the current investment trend and level of risk involved in investment among individuals.

RESEARCH OBJECTIVES
To find out the most common investment type in Belgaum. To find out the investment pattern of individuals. To find out the level of risk for an investment. To find out the investment trend in Belgaum.

DATA COLLECTION METHOD

Primary data Secondary data

MEASUREMENT TECHNIQUE
Questionnaire

INVESTMENT BEHAVIOUR OF EMPLOYEES IN BELGAUM

TYPE OF RESEARCH
Descriptive research

POPULATION
Government and Private sector individuals in Belgaum

SAMPLE UNIT
Government and Private company individuals.

SAMPLE SIZE
500