Query: A study of salaried class people investment pattern

title: A Study On Savings And Investment Pattern Of Salaried Class People With Reference To Pune City, Maharashtra, India
abstract: Investment and saving are an activity which people do for their future purpose, Investment and saving should go hand in hand as investment can be only done when there is saving. According to the analysis done by the researcher the respondents invests their money in the various investment avenues available into the market for getting the good returns or mostly for the future safety purpose. The investment avenues options available into the market are Bank deposit, Mutual Fund, Real Estate, Gold, Insurance, Public Provident Fund etc. According to the analysis done its ben observed that most of the respondents have chosen bank deposit as the safest investment avenue available into the market. A detail questionnaire was framed for the detail analysis of the salaried class people. Which helps the researcher to know about the perspective of the investment for the salaried class people. Index Terms Annual income, Investment avenue, Salaried employees, Saving.

title: Investment Pattern of Salaried Class of Somnath (Daman) A Study of Various Investment Options Available
abstract: The aim of this research is to analyze awareness, perception behavior regarding different investment avenues available for salaried people and to study various demographic variables and pattern of investment. Many people are not aware about how to make an investment in share market and people are not willing to take risk for their funds, so they prefer to invest in bank deposits, insurance, post office savings etc. The data was collected through structured questionnaire distributed to 100 people of Somnath (Daman) Area. Data were analyzed using descriptive statistics and chi square technique was applied to demographic factors and motives of savings. For analysis purpose SPSS software is used. The results show that bank deposit and insurance policies still remains the most preferred investment avenues. Salaried people's age and their motives of savings are dependent on each other.

title: A Study of Analysis of Investment Pattern of Salaried Class Employees with special reference to Nainital District
abstract: Investments form an important part of economy of any nation with savings invested various options available to people. An investment refers to commitment of funds at present; in anticipation of some positive rate of return in future today the spectrum of investment is indeed wide. Individual are more aware about the different investment avenues like saving accounts, fixed deposits, gold/silver, Share market, FOREX etc. Salaried individuals are aware about share market, mutual funds but they consider these investment avenues as high risk investment avenues. Researcher here in this paper studied the different types and avenues of investment as well as the factors that are required while selecting the investment with the sample size of 100 salaried employees by conducting the survey through questionnaire in the Nainital district of Uttarakhand. Actually, the present study identifies about the factors like awareness level and risk factors that individuals consider before investment like safe and low investment avenues, moderate risk avenues, high risk avenues, traditional investment avenues, emerging investment avenues. The findings relates to the awareness among individuals and individuals risk taking ability while investing in different investment avenues. Respondents are much more aware about the different investment avenues available in India. The current study deals with the Investment Pattern of Salaried Class Employees with Special Reference to Nainital District (Uttarakhand)

title: The Study on Investment Profiling of Retail Investors in India: An Empirical Examination
abstract: India is a growing economy and with this the investment needs of the people eventually grow which brings the opportunities for our capital markets to develop such products which support the financial needs of the customers. The Indian investors incorporate saving habits but being conventional in their approach they are still reluctant to make investments in modern investment options. The risk and return are the important component for an investment options and among the various investment avenues available, the investor tries to identify this important relationship. To study the same, using descriptive statistics and ANOVA we have done the investment profiling of investors for three classes i.e. business, salaried and professional class investors which explains style of individual preferences in investment decisions and their investment pattern. The results highlight that certain factors like education level, awareness about the current financial system, age of investor etc. make significant impact while deciding the investment avenue. Awareness was the biggest barrier for making investment in unconventional financial instruments.

title: The Study on Investment Profiling of Retail Investors: An Empirical Examination
abstract: India is a growing economy and with this the investment needs of the people eventually grow which brings the opportunities for our capital markets to develop such products which support the financial needs of the customers. The Indian investors incorporate saving habits but being conventional in their approach they are still reluctant to make investments in modern investment options. The risk and return are the important component for an investment options and among the various investment avenues available, the investor tries to identify this important relationship. To study the same, using descriptive statistics and ANOVA we have done the investment profiling of investors for three classes i.e. business, salaried and professional class investors which explains style of individual preferences in investment decisions and their investment pattern. The results highlight that certain factors like education level, awareness about the current financial system, age of investor etc. make significant impact while deciding the investment avenue. Awareness was the biggest barrier for making investment in unconventional financial instruments.  ANOVA, Financial market, Investment pattern, Investor behavior, Investment avenues.

title: A Study on Investment Pattern and Awareness of Salaried Class Investors in Coimbatore District
abstract: Saving is a desire to reserve certain portion of income for future needs. In the recent findings it has been found that saving rate for household is affected not only by their ability to save but also their willingness to save. In the last few years it is evident that middle class Indians have paid attention only to their work for the entire duration. But it is tragical that only at the time of retirement they consult friends and relatives for investment for their future. Few years before there were only limited a number of options for investments like bank deposits and post office schemes. Only few percentages of rich and adventurous Indians have knowledge about Stock market and Securities. Now, the modern investment trend has a different scenario, various options of investment and best return for the investors. This would bring into light the awareness of investment patterns of salaried class investors in Coimbatore district.

title: A Study on Investors Attitude Towards Investment Pattern of Salaried Class Investors with Special Reference to the Coimbatore District
abstract: One 139(13.9% 465(46.5% 18(1.8% 622(62.2% Female 36(3.6% 170(17.0% 15(1.5% 221(22.1% Two 33(3.3% 186(18.6% 24(2.4% 243(24.3% Age Three above 20(2.0% 105(10.5% 10(1.0% 135(13.5% 21 30 88(8.8% 269(26.9% 22(2.2% 379(37.9% Spouse earning person 31 40 49(4.9% 254(25.4% 18(1.8% 321(32.1% Yes 27(2.7% 156(15.6% 17(1.7% 200(20% 41 50 20(2.0% 123(12.3% 8(.8% 151(15.1% No 165(16.5% 600(60.0% 35(3.5% 800(80% 51 60 35(3.5% 110(11.0% 4(.4% 149(14.9% Number of dependent

title: A Study on Investment Patterns and Awareness of Salaried Class Investors
abstract: Investment is a desire to earn expected return from his investments, this investments is portion of the savings from the salary. This investment is made with the expectation of earning good returns from their investments. These investments were made for livelihood after their retirements. As per the recent survey results salaried employees investments were not increased as compared with the business persons. Unfortunately, it is true that employees think investments only at the time of retirements. Few years back there were only limited numbers of options available for investments, but in the present scenario the investments options are increased and awareness of investments also increased. With this back ground the researcher intended to study the investment patterns and their awareness regarding the salaried employee's investments of Kalaburagi s, State; Karnataka. The respondent of research study consist only those people who earning fixed Income as salary so thestudy included only salaried group of people.

title: INVESTMENT PATTERNS OF THE SALARIED MILLENNIALS A COMPARATIVE STUDY OF INDIA AND UNITED STATES OF AMERICA
abstract: The study is about the investment p atterns of millennials with salaried income. Salarie s of individuals are different based on the type of industries, the skil lset, etc. Every individual earning an income will end up with saving if his expenses are below the income earned. This expense ca vary based on the individual's responsibilities lifestyle and other choices. These savings can be invested in different financial asset classes. These asset classes have different levels of risks. Traditional, many people preferred stable investmen ts such as banks accounts, fixed deposits, postal s chemes, and bonds. These investments preferences depend on the level o f risk that these individuals are willing to take. Their understanding of financial knowledge help individuals makes an infor med decision relating to personal finance. Primary data was collected electronically from the U.S. and Indian respondents using a structured questionnaire using Qualtrics. Out of 267 respondents, only 166 were found to suitable for fu rther processing. The test carried out were Garret' Ranking method, ANOVA, Pearson correlation test. It was found that millennials prefer low risk to moderate risk type o f investment option. Millennials prefer to get advice from a professiona l financial advisor.

title: Behavioral Finance: A Study of Correlation Between Personality Traits with the Investment Patterns in the Stock Market
abstract: Conventional theories are based on the assumption that investors are rational beings. All their decisions are logical and judgments fair and rational. Based on this assumption, they have derived all their financial models. The capital asset pricing model assumes that investors are rational beings and they have the same expectations. This assumption contradicts behavioral theories, which assume that investors under uncertainty behave in a not so rational or irrational manner. The phenomenon of behavioral finance was noticed post 2000, when IT bubble was built up and finally busted. During this time period, investors showed herd mentality, and they preferably invested in companies having ".com" attached to them. The market prices of IT companies rose much above their intrinsic value or fair value. It also happened in the subprime crisis when real estate prices in the USA started rising much above their fair value. After a certain time period, the bubble collapsed leading to the fall of stock prices, wiping off the hard earned money of investors. The history of irrational behavior can be traced to the sixteenth century in Holland. The tulip bulbs were imported to Holland from Constantinople. These bulbs became very popular with Dutch elite class. Trading of these bulbs started on major stock exchanges in Europe. The prices rose to great heights and people started trading in bulbs in a big way. After a certain time period, people started selling these bulbs and the prices began falling. People started defaulting on their tulip contracts. This bubble finally collapsed leading to huge losses. Therefore, it was realized that there was something which these conventional models were unable to explain. These softer issues were never addressed and recognized by traditional theorist before. It was Kahnman and Smith who for the first time brought insights from behavioral sciences into the field of finance and economics. They stated that under uncertainty investors do not behave ideally but rather behave normally. The present paper describes the relationship between personality traits and investment pattern of investors. A survey of about 100 investors, who have invested in the stock market, has been conducted. The investors have been classified into various demographic profiles such as gender, age group, income level, number of dependents, profession, and marital status. The data for the study has been collected from both primary and secondary sources. Convenience sampling method is used to select the sample of 100 investors. The Big Five personality test has been incorporated to assess the personality of investors, and its correlation with their investment behavior is being evaluated in the study using various statistical tools. The paper attempts to rate the personality of investors on parameters such as extraversion, agreeableness, conscientiousness, neuroticism, and openness. The study relates the personality of investors with stock market investment, type, objective, factors influencing the investments, and so on. The findings can be useful for portfolio managers, fund managers, and wealth managers to understand the mindset and behavior of their clients. This will facilitate them to construct a portfolio which may be less than optimal and which can be adhered to by the advisor and the client amicably. This is especially significant in the context of managing portfolios in these recovering markets post recession which the global economies have witnessed in recent times. The concept of behavioral finance is one such emerging area which if incorporated well in the hard core finance, based on fundamentals, can yield dividends for portfolio managers and equity analyst and also on the wealth generation of the overall economies emerging in the aftermath of the recession.