Specific types of investments provide other benefits for the investor, corporate as well as the society. Pdf research paper a study of saving and investment. Different investment avenues include share market, bonds, mutual funds, life insurance, precious objects like gold. The investment strategy is a plan, which is created to guide an investor to choose the most appropriate investment portfolio that will help them to achieve their financial goals within a. If you continue browsing the site, you agree to the use of cookies on this website. It is extremely important to be aware of this use of investment in the sense of replacement, e. The return may consist of a gain or loss realised from the sale of a property or an investment, unrealised capital appreciation or depreciation, or investment income such as dividends, interest, rental income etc. All are differentiated based on their different features in terms of risk, return, term etc.
Investment avenues financial derivatives options futures 1. This is most often done either through a closedend. Whether your goal is to save up for a first home, provide a quality education for your children or fund a. The pace of economic development is conditioned, among other things, by the rate of capital formation. Researcher has here in this paper studied the different types and avenues of investments as well as the factors that are required while selecting the investment with the sample size of 60 salaried. The shares can be issued at par, premium or discount.
An individual must plan and keep aside some amount of money for any unavoidable circumstance which might arise in days to come. Introduction the economic development of any country depends upon the wellorganized financial system. Acropdf a quality pdf writer and pdf converter to create pdf files. The sample size of the study is 784 drawn from krejcie and morgan table. A study on preferred investment avenues among salaried. The required level of return and the risk tolerance decide the choice of the investor. To find out the risk bearing capacity of the indian working women while making investment. A study on preferred investment avenues among salaried people with reference to pune, india. Types of investments nonnegotiable securities deposits earn fixed rate of return.
Capital is a crucial factor in the development of an economy. Hence, investment decision is a function of various other factors and the investor needs to understand these factors before starting to invest. Learn more about the various types of investments below. One needs to check out the pros and cons, before getting into any such elements. A study on investors perception towards investment avenues. A comparative study between various investment avenues ijrar. You might then wonder what kind of investment accounts earn compound interest. To know the investment avenues that the indian working women usually prefer.
There are many advantages of investing in epf and ppf. A mutual fund is a type of investment vehicle consisting of a portfolio of stocks, bonds, or other securities, which is overseen by a professional money. To invest is to allocate money in the expectation of some benefit in the future in finance, the benefit from an investment is called a return. With lots of investment options like banks, fixed deposits, government bonds, stock market, real estate, gold and mutual funds the common investor ends up more confused than ever. Here is a look at the top 10 investment avenues indians look at while savings for their financial goals. Generally investment process starts with an understanding of the investment objectives and then framing out the investment policy. Direct equity investing in stocks may not be everyones cup of tea as its a volatile asset class and there is no guarantee of returns. Analysis of investment options mba project projects. Various investment avenues and investments alternative.
S worth high investment is possible through high savings which in turn,is due to thehigh disposable income of the people finance minister p. Slideshare uses cookies to improve functionality and performance, and to provide you with relevant advertising. The study finding implicates that investor preferring to investing in bank deposit shows higher likelihood to make their investment avenues than higher risk. An investment company is a corporation or trust engaged in the business of investing the pooled capital of investors in financial securities.
Investment in finance, an investment is a monetary asset purchased with the idea that the asset will provide income in the future or will be sold at a higher price for a profit. The analysis of investment options mba project gives the brief idea regarding the various investment options that are prevailing in the financial markets in india. Investing is a term with several closelyrelated meanings in business management, finance and economics, related to saving or deferring consumption. Even though bank deposits resemble fixed income securities they are not negotiable instruments. The first public issue is known as initial public offering ipo. We use cookies to offer you a better experience, personalize content, tailor advertising, provide social media features, and better understand the use of our services. Any asset class that is included in the portfolio has to be chosen only after a thorough understanding of the investment objective and constraints. Learn to have money work for you rather than you work for money robert t. A study of investors awareness and selection of different. A study on investment avenues for investor niyaz 1. Nifty indices are more profitable than investing in gold etf and physical form of gold. Investors with reference to mutual funds in gujarat state. A study in the theory of investment universitetet i oslo. In general terms, investment means the use of money in the hope of making more money.
Knowledge about the different avenues enables the investors to choose investment intelligently. Investment refers to the concept of deferred consumption, which involves. A financial advisorportfolio manager needs to formally document these before commencing the portfolio management. To study the investment preferences while selecting the securities by salaried employees of pune region, india. Advantages of investing the investing time frame is the most popular.
Parking money in tax haven is a bettersafer way of evading tax. Six best investment avenues in the current scenario the. Investment objectives and constraints are the cornerstones of any investment policy statement. What kind of investment accounts earn compound interest. There can be various investment avenues like tbills, 10 yr g security bonds, mutual funds, etc. To invest is to allocate money in the expectation of some benefit in the future. Pdf a study of investment awareness and patterns of. Investors perception towards investment avenues ijrte. Pdfx, pdfa, and pdfecompliant files adobe acrobat pro. If there is an urgency to sell a property the value could drop drastically.
Empirical evidence also suggests that factors such as age, income, education and marital status affect an individuals. Influence of risk perception of investors on investment. Remember investing isnt actually trading trading is defined as a shortterm activity. The overall return is determined by the weighted average return of equity part and debt part, informs shetty. The advantages of investments investment is the process performed by an investor of purchasing a stock, bond, certificate of deposit, commodity, real estate or another investment vehicle with the expectation of earning a positive financial return over time. Each broad investment type from bank products to stocks and bondshas its own general set of features, risk factors and ways in which they can be used by investors. Knowing where and how to invest your hard earned money can be very difficult, and making a wrong move could set your plans back many years. Investment decision generally means the determination made by investors as to where, when, how, and how much funds will be invested on various avenues of financial productsinstruments with the objective of generating income or appreciation in value. Investors perception towards investment avenues introduction. Investment analysis determine adequacy of the credit unions investment policy, procedures, and internal controls assess legality of investments and compliance with related regulations, accounting procedures, and other guidelines evaluate suitability of the investment portfolio in relation to the credit unions.
Best investment options in india investment plans with. Epf employee provident fund and ppf public provident fund epf and ppf are riskfree investments offering returns of about 9%. Think of the various types of investments as tools that can help you achieve your financial goals. By making an investment in the best investment options in india, you can not only achieve your financial goals but can also create a financial cushion for future in order to live a secured life. Investment, investment avenues, and investment objectives. This study deals with the behaviour of the investor to identify the better investment avenues available in india.
Tax treatment real estate attracts capital gains tax. The investment strategy is a plan, which is created to guide an investor to choose the most appropriate investment portfolio that will help them to achieve their financial goals within a particular period of time. An investor has three objectives while investing his money, namely safety of invested money, liquidity position of invested money and return on investment. A portfolio investment is ownership of a stock, bond, or other financial asset with the expectation that it will earn a return or grow in value over time, or both.
A study of investment awareness and patterns of savings and investments by rural investors article pdf available in indian journal of finance 97. Financial investment meaning, its need and different. This is the reason why investors are always in search of top investment plans where they can multiply their money as per their riskappetite. Different avenues and alternatives of investment include share market, debentures or bonds, money market instruments, mutual funds, life insurance, real estate, precious objects, derivatives, nonmarketable securities. Financial investment meaning, its need and different types of investments it is human nature to plan for rainy days. All are differentiated based on their different features in. It is one of the best source of finance, for the companies, and offers a spectrum of investment avenues to the investors, which in turn encourages capital creation in the economy. If you open a pdf that conforms to one of these standards, you can view the standards information in the navigation pane. Capital market is a measure of inherent strength of the economy.
Here, the concept investment decision is defined as the. Here is a quick overview of the pros and cons of this longterm strategy. Bonds or fixed income securities government securities savings. Liquidity real estate is probably the most illiquid of all common investment avenues. Study of investment avenues available to investors in. Different investment avenues include share market, debentures or bonds, money market instruments, mutual funds, life insurance, real estate. Selling at market price is counted in number of months not days. Further, not only is it difficult to pick the right stock, timing your entry and exit is also not easy. This study deals with the investor behavior while selecting different investment avenues. Investing is defined as holding a position more than a year. Todays investor has a wide array of investment avenues and he can choose the one that suits his preferences. Following are the various asset classes that the investor can choose from, 1. To know the source of motivation of salaried employees.