CHAPTER – 01

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1.1INTRODUCTION:

The investors perception towards various investment avenues. Investing in

various types of assets is an interesting activity that attract people from all walks of life
with respect to their occupation economic status, education and family background. When a
person has more money than be requires for current consumption, he would be coined as
potential investors. the extent of the rise might be measured by huge mobilization of funds,
stock exchange turnover, market capitalization and investment population expansion. In order to
tackle the challenges associated with significant market growth the regulator frame work has
been tightened and simplified.

Investment decisions are still found to be complicated as there are various

factors to be considered to choose the quit or a stock to invest in or trade into. The
socioeconomic, demographic, and attitudinal factors as drivers for investment decisions.

An investment is an asset irretrievably or item acquired with the goal of generating

income or appreciation. In an economic sense, an investment is the purchase of goods
that are not consumed today but are used in the future to create wealth. In finance,an
investment is a monetary asset will provide income in the future or will later be sold at a
higher price for a profit.

1.2NEED OF THE STUDY:

 Investment is made by the investors based on certain principles like

maximization of risk.
 The economic well-being of the state depends significantly on how wisely or
foolishly of People invests their saving.
 The above situation directed the researcher to adopt the preference of investment
among as theproject topic in investors perception towards various investment
avenues anavatti Market.

1.3 STATEMENT OF THE PROBLEM:

A number of research gaps and limitations in conceptual and

methodologicalapproaches is earlier studies havebeen identified and considered for
future [Link] main purpose of the study is to analysis the preference of investors
perception towards various investment avenues with reference of anavatti market.
Literature review reveals that retail investors income level plays a predominant role in

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deciding their investment strategy and their behavior. Some of these investment avenues
after attractive return but with high risks, some purpose lower returns with very low
[Link] research fills the afore mentioned research gap with special reference to
anavatti market.

1.4OBJECTIVES THE STUDY;

[Link] measure the impact of demographic factors on the Investors choice of investment.

2. To analyze the decision of the investors towards various investment avenues.

3. To elucidate the factors that influence the investors preferential selection of various
Investment options.

4. To estimate the perception of investors with regard to the dimensions of investment

Like safety, liquidity and high returns.

1.5RESEARSH THODOLOGY;

This study ultimately focuses on the preference towards investment avenues of

investorPerception towards various investment avenues with reference to anavatti
market. this study will be qualitative in nature to interpret the issues in the
comprehensive [Link] research design will be applicable to the
existingproblem. Hence it will be basedon descriptive research design.

A. PRIMARY DATA;
 Primary data will be used to measure the investors opinion towards various
investment avenues.
 Primary data will be collected from survey method using questionnaires, which
is to be filled in by the respondent.

B. SECONDARY DATA;

The secondary data Will be collected from various books, reports and research
Articles, magazine websites.

C SAMPLING METHOD;

Convenience and Snowball sampling method will be used for the study so as to have
an adequate representation of various group of investors in Anavatti market.

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D. SAMPLE SIZE;

50 Simple respondents were selected from the anavatti market to analyze the
customer towards various investment avenues.

E. DATA ANALYSIS

In order to analyze the collected data simple percentage analysis tool will be usedIt
states the frequency and percentage of the Respondents profile,attitude and opinion
Regarding different variables. The analysis of data collection will be presented
systematically with the use of different tables and graphs.

1.6SCOPE OF THE STUDY

The present study is limited to investors perception towards some selected

investmentsavenues i.e. Mutual fund, bonds, post office savings scheme, government
securities, real estate, gold,Bank deposits, stock exclude any other market investment as
well as money marketInvestment
.
Deeper understanding of preference of customer cab help managers to design
marketingstrategy that will concentrate on customers. the research is aimed to study the
investors where they are investing along withInvestment avenues and what are their
perception and preference towards Investment avenues.

1.7LIMITATIONS OF THE STUDY

1. Sample size is restricted to 50 individuals which is not present entire population.
2. The study is mainly based on the investors perception so there is chance ofPersonal
bias influence market investment in anavatti market.

1.8CHAPTER SCHEME
Chapter 1: Introduction and research design.
Chapter 2: Review Literature.
Chapter 3: Conceptual frame work.
Chapter 4: Data analysis and interpretation.
Chapter 5: Findings, suggestion, and conclusions

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 CHAPTER-02
REVIEW OF LITERATURE

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2. REVIEW LITERATURE
Many empirical studies have been conducted on the subject of preference of
investment avenues in India and abroad. The major emphasis of research has been on
various factors like price of investment avenues their functionality etc.
1. Abhinandankulal(2022) The present study found that during the year of 2008
12NIFTY Index shares of NSE market capitalizationfell from 65% to 29% due to
the rise of sectorial indices also the study explain (desirable) about the recent
reforms which are taken place in the capital market growth of mutual funds as well
as the reforms of financial instrument the study concludes with significantly
improved the transparency efficiency and integration of the Indian capital market
with the globalmarket.
2. Mubarak (2020) there is significance difference between selections of the
instruments among available instruments in the Indian capital market majority of the
respondents belonged to occupation are professionals (44.4%) and business mans
(38.7%) The respondents under study are equally distributed among the select
district about one third sample respondents presume safety as a purpose for
investment made in different securities Investors do investment with respects to
capital appreciation as the time range is long term and capital appreciation right
scenario to achieve it sample investors prefer to make an investment with long term
horizon so that the future capital requirement could be met with the past investment
returns.
3. Pradeesh. G (2020)conducted an impact study on investor attitudes towards diverse
Thanjavur investment avenues. The study was conducted by 1000 Thanjavur city
corporation investors, published in emperor journal of applied scientific research.
method of convenience sampling has been utilized. The results were evaluated with
ANOVA. The study finds that if the younger generation begins to invest regularly at
an early stage, it can preserve more money for its future.

4. ShivamBharadwaj, Dr Ankit Saxena (2020), studied investment avenues

decision- making by investors based on their risk and return profile. The study was
carried out by 60 investors in Uttar Pradesh, published in the advanced science and
Technology International journal. The technique of sampling employed was
convenient to sample. the data were evaluated with a chi-square test. The survey
reveals that the people of Agra want to make their own judgements on investing. In
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 making financial decisions, they consider a risk and return approach. The report
shows that there is still a long way to go in terms of investor literacy and awareness.
5. Jahnavi, Dr. B, Percy Bose (2019) and was conducted among 100 employees in
Bangalore. Quantitative and analysis sampling was carried out using chi-square and
Frequency distribution. The study shows that investment aims at the appreciation of
capital and also found that only educated people trade derivative tools and the
commodity market.

6. Priyanka Bhatt, Margi Soni (2019) conducted the behavioral study and investment
pattern for several investment avenues in relation to the city of Ahmedabad.
Descriptive Cross Research design was utilized. The study was carried out among
417 Ahmedabad city investors. The convenience sample approach is employed and
data analysis has been carried out by Frequency statistics, correlation, ANOVH,
cross tabulation. The study reveals that investors are keen to invest in long term and
less risk product, high yield, and low risk are keen to make significant returns when
investing money.
7. Akash deep (2019) In the study entitle capital market and its challenges with
special reference to reforms in the capital market in the India explain about the
reform which are taken place in the capital market avenues of India majorly start
with establishment of SEBI to investors protection also the study explain above the
components of capital market the study reveals that capital market investment
increases business person banking activities and raising electronic transaction
growing stock exchanges and increase sector reforms.
8. Periti Mane (2016) discussed the customer perception with regard to the mutual
funds that the schemes they preferred, the plans they are opting, the reasons behind
such selections. This research dealt with different investment options, which people
prefer along with and apart mutual funds, like postal saving schemes, recurring
deposits, bonds, and shares. Conclude that mutual fund linked with share market and
investors are not taking advice from authority advisor to lead them for their
investment in mutual fund so it creates the difficulty to select the mutual fund plan
favorable for them.
9. Awais et al. (2016), explored that the factors which influence the decision- making
process of investors. According to their research, the decision of the
investorsdepends upon the degree of the risk factors. Finally, they found that the
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 increased level of knowledge about financial information and the increased ability
of analyzing that information, investor could improve the capacity jump into risky
investments for earing high by managing investment efficiently.
10. Shukla (2016) ³ attempted this research paper, about investor’s preference towards
investment avenues and the study focused on the salaried person only. The author
concluded that majority of the respondents invested their money based on education
background and they invested in purchasing home and long- term investment.
Respondents have the criteria of investment as safety and lows risk.
11. Amudhan et al. (2014)4, analyzed the performance investment behavior concerned
with choices about purchases of small amounts of securities, deposits, mutual fund,
insurance chit funds. Researcher confirmed that there looks to a positive degree of
correlation between the factors that behavioral finance theory and previous
empirical evidence identified the average investor. The result described investment
offer to a person’s money to gain future income in the form of interest, dividend,
rent, premium, pension profit or approval of the value of their standard capital.
12. Vaidehi et al. (*2016)5, argued that because of different investment strategies as
motives and styles by different needs. It studies the need for better accepting of
behavioral pattern the paper investors, the behavior pattern would aid suitable
allotment approaches for their customers. Among the selected factors the investment
motives, attained the long-term and long-term gain. Educational qualifications,
occupation, age income and amount of equity investment choose the investing styles
of the investornotably. .
13. Mishra (2015)6, explained that this study aimed to investigate perception of investor
towards mutual funds with travel the important aspects of mutual funds affecting
perception of investors and it examined difference of perception of large and small
investors based on explored factors. Difference of view about mutual fund analysed
with the help of ‘t’ test. Small investors focused on tax returns and savings but large
investors expect future return. Thus, mutual fund companies must give due
significance to these size for their survival and growth in Indian context.
14. Rastogi (2015)7, analysedbehavioural feature in the investment choice making
method. Behavioural finance provides solution to many problems until now not
answered suitably by the usual finance theory. The study concluded that
behavioural biases not affected by the combined categories of gender and
occupation.
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15. kumar (2015)8, carried out a research to find what plays a vital role in the minds of
the investors before decided on investment. The nine factors namely security, risk
tolerance, lucrative return, investment duration, periodic return, share preference,
long-term investment, futuristic return and investment dynamics influenced the
investor’s perception the author conclude that investors compared their returns and
calculate the inverse proportionality between time and the return. Among these
factors, the futuristic goals of equity investors are very considered as a factor
important for estimating their level of satisfaction.
16. Muruganandam et al. (2015)9, examined the evidence that investor’s intention of
analysed investor’s perception towards risk and return on investment shares in
organization their portfolio constructions and the strategies of portfolio
management. Suggested that successful companies must thorough understanding of
psychology of the investors revealed that proper diversification of portfolio would
make sure the investors to get higher return, higher salary and high liquidity with
least risk.
17. Selvi (2015)10, discussed some studies that are available on the investors' attitude
towards investment avenues failed to offer a lot of information the conventional
investment avenues, bank deposits and gold are the most preferred avenues, while
insurance schemes and post office instruments are getting increased attention.

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 CHAPTER-03
CONCEPTUAL FRAMEWORK

[Link] FRAMEWORK

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 3.1 Investment avenues

The study of investors perception towards various investment anavatti market.

There are a large number of investment avenue for savers in India some of them are
marketable and liquid while other marketable. some of them are highly risky while
some other are almost riskless. The investor has to choose proper avenues from among
them depending on his preference, needs ability to assume risk.

eads

1. Mutual fund
2. Bonds
3. Post office savings scheme
4. Government securities
5. Real estate
6. Gold
7. Bank deposit
8. Stock
1) Mutual funds
Investment companies or investment trusts obtain funds from large number of
investors through sale of units. The funds collected from the investors are placed
under professional management for the benefit of the investors. The mutual funds
are broadly classified into open-ended scheme and close-ended scheme.
 Open- ended schemes
The open-ended scheme offers its units on a continuous basis and accept funds from
investors to the investors since the repurchase facility is available. Repurchase price
is fixed on the basis of net asset value of the unit. In 1998 the open-ended schemes
have crossed 80 in number.
 Closed ended scheme
The closed ended funds have a fixed maturity period. The first-time investment is
made when close end scheme is kept open for limited period. Once closed, the units
are listed on a stock exchange. the demand and factors influence the prices of the
units.

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  Advantages
 Increased opportunity for diversification; A fund diversifies by holding many
securities. This diversification decreases risk.
 Daily liquidity; In the united states, mutual fund shares can be redeemed for their
net asset value within seven days, but in practice the redemption is often much
quicker.
 Professional investment management; open-end funds hire portfolio managers to
supervise the funds’ investments.
 Services and convenience; funds often provide services such as check writing.

 Disadvantages
 Fees
 Lees predictable income
 No opportunity to customize
 Lees control over timing of recognition of gain

 MARKET SIZE
At the end of 2020 open-end mutual fund asset worldwide were $63. 1 trillion. the
countries with the largest mutual fund industries are:
1. United states: $23. 9 trillion
2. Australia: $5.3 trillion
3. Ireland: $3.4 trillion
4. Germany: $2.5 trillion
5. Luxembourg: $2.2 trillion
6. France: $2.2 trillion
7. Japan: $2.1 trillion
8. Canada: $1.9 trillion
9. United Kingdom: $1.9 trillion
10. China: $1.4 trillion

At the end of 2019 23% of household financial assets were invested in mutual funds.
Mutual funds accounted for approximately 50% of the assets in individual retirement
accounts, 401(k)s and other similar retirement plans. Luxembourg and Ireland are the
primary jurisdictions for the registration of UCITS funds. These funds may be sold

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throughout the European Union and in other countries that have adopted mutual
recognition regimes

2 BOUNDS
Bonds are similar to the debentures but they are issued by the public sector
undertaking. The value of the bound in market depends upon the interest rate and the
maturity. The coupon rate is the nominal interest rate offered on the bonds. The coupon
rate is contractual involving the terms and conditions of the issuance of the debt
security. The investors are not affected by lowering of the bank rates, IDBI and ICICI
have issued various bonds to suit the needs of the investors. Some of them are deep
discount bond, education benefit bond, retirement benefit bond and index bond.

 Features of bond in capital market

1. Issue date: the issue date of bonds is the date from which the interest starts
accruing.
2. Coupon rate: the interest rate at which a bond is issued, which the company is
liable to pay to the investors is referred as the coupon rate. Coupon payment are
made semi- annually or annually.
3. Maturity date: it is the date on which the issuer pays back the bonds face value to
the investor. Before investing, check the maturity period of the bond and invest as
per your financial goals.
4. Taxation: certain bond provides tax benefits, while there are few corporate bonds
that levy tax on their bonds. Also, certain bonds issued by the government,
municipality bonds, and few more don’t impose a tax on the profit earned.
 TYPE OF BONDS
1. Government bonds
2. Municipal bonds
3. Corporate bonds
4. Asset- backed securities

3 POST OFFICE SAVINGSCHEMES

 The investment avenues provided by post offices are generally non – marketable.
Moreover, the major investment in post office enjoy tax concessions also. Post
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 office accept saving deposits as well as fixed deposits from the public. There is
also recurring deposit scheme which is an instrument of regular monthly savings.
 six-yearnational savings certificates (NSC) are issued by post office to investors.
The interest on the amount invested is compounded half-yearly and to payable
along with the principal at the time of maturity which is six- years from the date
of issue.
 Post office investment scheme

The post office offers a diverse range of investment schemes catering to various
financial goals and risk appetites. Here a detailed breakdown of some popular options;

1. Post office savings account

2. Post office RD account (recurring deposit)
3. Post office time deposit account (TD)
4. Post office monthly income scheme account (MIS)
5. Senior citizen savings scheme (SCSS)
6. Public provident fund (PPF)
7. National savings certificate (NSC)
8. KizanVikasPatra (KVP)
9. Sukanya Sam Riddhi account (SSA)

 Process to apply for a savings scheme in post office

1. Visit your nearest post office
2. Request application form
3. Fill the form
4. Submit account passbook/certificate
 Advantages of investment in post office schemes
1. Safety
2. Attractive interest rates
3. Tax benefits
4. Regular income
5. Flexible
6. Accessibility
7. No market dependency

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 4 GOVERNMENT SECURITIES

 The securities issued by the central, state government quasi government agencies
are known as government securities or gilt-edged securities, as government
guaranteed security is a claim on the government, it is a secured financial
instrument, which guarantees the income and the capital. The rate of interest on
the securities is relatively lower because of their high liquidity and safety.

 Type of government securities

1. Treasury bills (short-tern G-Secs)
Treasury bills, or-bills as they are commonly known, have a maturity period of less
than a year. These short- term securities are sold at discounted prices based on their
face value.
2. Dated securities (Long- term G-Secs)
These securities, as the name suggest, are long-term in nature, and their maturity
period can vary anywhere between 5 years and 40 years. Dated securities give
Investors consistent returns, which are called coupon payment.
3. Cash management bills (CMBs)
These short- term securities are issued by the government at a discount on their face
value. These securities help deal with temporary liquidity discrepancies within the
government’s cash flow.
4. State development loans
State developmental loans, as the name suggests, are issued by various state
governments and can have varying rates of interest and different maturity horizons
depending on the issuing state.

 Who can buy government securities?

Government securities cab be bought by various entities, such as bank, financial

organizations, primary dealers, corporations, private individuals, and international
investors.

You can easily buy government securities through a variety of auctions done is to
purchase these securities through the secondary market or through stock exchanges

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 that are well recognized or through the NDS-OM or negotiated dealing system –
order matching platform that ensures transparency.

5 REAL ESTATE

The real estate market offers a high return to the investors. The word real estate
means land and building. there is a normal notion that the price of the real estate has
increased by more than12% over the past ten years. The population growth and the
exodus of people towards the urban cities have made the prices to increase manifold.
The price of the residential area generally in south Mumbai ranges from a high of 8400
per sq. ft. at cuff parked in 1998. Recently, the recession in the economy has affected
the price of the realestate. Prices, marked a substantial fall in1998 from the 1997 prices.
Reasons for investing in real estate are given below:

1. High capital appreciation compared to gold or silverparticularly in urban area.

2. Availability of loans for the construction of houses. The 1999-2000 budget provides
huge incentives to the middle class to avail of housing loans. Scheduled banks now
have to disburse 3% of their incremental deposits in housing finance.
Tax rebate is given to the interest paid on the housing loan. Further 75000 tax rebates
on a loan up to 5 lakh which is availed of after April 1999. If an invests in a house
for about 6-7 lakh, he provides a seed capital about1-2 lakh. The 5-lakh loan, which
draws an interest rate of 15 % will work out to be less than 9.6 % because of the
75000 exempted from tax rate annually. In assessing the wealth tax, the value of the
residential home estimated at its historical cost and not on its present market value.
3. The possession of a hose givenan investor a psychologically secure feeling and a
standing among his friends and relatives.

Apart from making investment in the residential houses, the people in the higher
income bracket their money in time share plans of the holiday resort and land situated
near the city limit with the anticipation of a capital appreciation. Farm houses and
plantation also fall in the line. In spite of the fast capital appreciation investors generally
do not invest in real estate apart from owning one or two houses. The reasons are

 Requirement of huge capital: to purchase a land in the urban area, the investor needs
money in lakhs whereas he can buy equity, gold or other form of investment by
investing thousands of rupees.

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 Malpractices: often- gullible investors become cheated in the purchase of land. The
properties already sold are resold to investors. the investor has lost the hard- earned
money.
 Restriction of the purchase: The land ceiling Act restricts the purchase of
agricultural land beyond a limit.
 Lack of liquidity: if the investor wants to sell the property, he cannot immediately
realize the money. The waiting period may be months or years.
The points to be taken care of while purchasing the real estate are:
1. The plots should be approved by the local authority because on the unapproved
layout construction of a house is not permitted.
2. Possibility of capital appreciation- it depends upon the locality and other
facilities of the site.
3. Originality of title deeds- the site should be free from encumbrance certificate
for a minimum period of latest 15 tears should be got from the registrar’s office.
4. Plinth area should be verified.
5. Credibility of the broker.

The role of broker cannot be undermined because it is he who introduces to the parties
and location of site. He should be faithful and loyal otherswise the investor finds
himself in trouble

6 GOLD

For ages, gold have been considered as a form of investment. They are considered
as best hedge against inflation. This is a favorite from of investment amongst the rural
and semi- urban population. Besides, investors tend to invest in jeweler instead of pure
gold. As a result, when they buy jeweler, the price realization is usually less than total
purchase price (this is due to higher making charge of jeweler). The price of gold has
declined in the later part of the nineties. Gold prices are suppressed because of large
supplies overtaking the demand. The government has allowed imports of gold to certain
banks and agencies and they have huge stocks of gold. The gold price remained
depressed in the international market too in the late nineties. The following reasons are
cited for the low price of gold in the international market.

i. Weak demand from Asian countries which are the largest consumers of gold.
ii. Continuing pressure on central bank to dishoard gold.

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iii. Legislative measures like the Swedish government move to delink gold from
swiss franc and lower gold reserves by the European union.

According to world gold council (WGC) as against an increase of 9.0 5 in world

demand, for gold in Indian increased by 45.0% to a record level of 737tones during
1997 from 507 tones in 1996 reflecting the increased response to the decline in prices.
The substantial increase in domestic demand for gold was met by ease of supply
facilities by (i) allowing non- resident Indians to import 10 kg. of gold 9as against 5 kg
earlier) once in every six months with effect from January 1, 1997 (ii) allowing 12
authorized agencies to import gold under open general license (OGL) without any limit
on quantity and sell it in the local market against rupees after payment of approximately
5 % duty and (iii) lower price in the international market.

7 BANK DEPOASIT

It’s the simple investment avenues open for the investors. He has to open an
account and deposit the money. Traditionally the banks offered current account, and
fixed deposit account.

Current account does not offer any interest rate. The drawback of have large
amount in saving account is that the return is just 4.5%. the savings account interest rate
is regulated by the RBI of India and kept low because of the high cost of servicing them.
The saving account is more liquid and convenient to handle. The fixed account carries
high interest rate and the money is locked up for a fixed period. With increasing
competition among the banks, the have bundled the plain savings account with the fixed
account to cater to the small savers.

 Type of bank deposit

1. Current account (demand deposit)

A current account also called demand deposit account, is a basic checking

account. Consumers deposit money and deposited money can be withdrawn as the
account holder desires on demand.

2. Savings account

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 Savings account offer account holders interest on their deposits; however, in some
cases account holder may incur a monthly fee if they do not maintain a set balance or a
certain number of deposits.

3. Time deposit

Time deposit are those with a fixed time and usually pay a fixed interest rate, like a
certificate of deposit (CD). These interest – earning accounts offer higher rates than
savings accounts.

 What taxes are payable on bank deposits?

Taxation of deposits varies, depending on the type of deposit. For instance,
time deposits are taxable in our income tax return as income from capital. We pay tax
solely on the return obtained and not on the capital initially delivered.
There are three tax brackets, depending on the amount of the deposit:
19% - up to rupee 6000
21% -rupee 6000 to rupee 50000
23% - over rupee 50000

8 STOCK

Stock (also capital stock, or sometimes interchangeably, shares) consist of all

the shares by which ownership of a corporation or company is divided. A single share
of the stock means fractional ownership of the corporation in proportion to the total
number of shares. This typically entitles the shareholder to that fraction of the
company’s earnings, proceeds from liquidation of assets power, often dividing these
up in proportion to the number of like shares each stockholder owns.

 TYPE OF STOCK
Stock typically takes the form of shares of either common stock or preferred
stock. As a unit of ownership, common stock typically carries voting rights that can
be exercised in corporate decisions. Preferred stock differs from common stock in
that typically does not carry voting right but is legallyentitled to receive a certain
levelof dividend payments before any dividends can be issued to other
shareholders.

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 CHAPTER-04

DATA ANALYSIS AND INTERPERTATION

Chapter-04

Data Analysis and Interpretation

Table 4.1 Ages of the Respondents

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 Age Frequency Percentage
Below-25 15 30%
25-35 14 28%
36-35 7 14%
45-60 5 10%
Above 60 9 18%
Total 50 100%

Source: Field Study

Graph 4.1 Age of the Respondents

Age of the Respondents

16

14

12

10 Frequency
Percentage
8

0
Below-25 25-35 36-35 45-60 Above 60

Interpretation:

The table and graph shows that most investors in the Anavatti market are young, with
30% below 25 years and 28% between 25–35 years. Middle-aged and older investors
(above 36 years) form a smaller portion of the group. This suggests that younger
individuals are more active in exploring investment avenues in this market.

Table 4.2 Gender of the Respondents

Gender Frequency Percentage

Male 32 64%
Female 18 36%

Prefer not to say 0 0

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 Total 50 100%

Source: Field Study

Graph 4.2 Gender of the Respondents

Gender

35

30

25

20 Percentage
Frequency
15

10

0
Male
Female
Prefer not to say

Interpretation:

The above Table and Graph shows that most of the respondents in the Anavatti market
are male, making up 64% of the total. Female respondents account for 36%. This
indicates a higher male participation in investment-related activities in the area.

Table 4.3 Occupation of the Respondents

Occupation Frequency Percentage

Student 10 20%

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 Government Employee 6 12%
Private employee 4 8%
Business person 25 50%
Retired 3 6%
Homemaker 2 4%
Total 50 100%

Source: Field Study

Graph 4.3 Occupations of the Respondents

Occupation of the Respondents

25

20

15 Frequency
Percentage

10

0
Student Government Private Business Reatired Homemaker
Employee employee person

Interpretation:

The table shows the distribution of respondents' occupations in Anavatti market. The
majority of respondents are business people (50%), followed by students (20%).
Smaller groups include government employees (12%), private employees (8%), retired
individuals (6%), and homemakers (4%).

Table 4.4. Marital Status of the Respondents

Marital status Frequency Percentage

Single 36 72%
Married 11 22%
Divorced 2 4%
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 Widow 1 2%
Total 50 100%

Source: Field Study

Graph 4.4. Marital Status of the Respondents

Marital Status of the Respondents

40

35

30

25 Frequency
Percentage
20

15

10

0
Single Married Divorced Widow

Interpretation:

The above table and Graph shows that majority of respondents in the Anavatti market
are single, making up 72% of the sample. 22% are married, while smaller proportions
are divorced (4%) and widowed (2%).

Table 4.5. Education Level of the Respondents

Education level Frequency Percentage

School level 5 10%
Graduate 23 46%
GFGC ANAVATTI Page 25
 Post Graduate 14 28%
Doctorate 2 4%
Professional /Qualification 6 0.12
Total 50 100%

Source: Field Study

Graph 4.5. Education Level of the Respondents

Education Level
25

20

15 Frequency
Percentage

10

0
School level Graduate Post Graduate Doctorate Professional /
Qualification

Interpretation:

The above table and Graph shows that Almost half of the investors surveyed (46%)
have a graduate degree, making them the largest education group in the Anavatti
market. About 28% are postgraduates and 12% hold professional qualifications,
showing a strong presence of higher‐educated participants and Only 10% have
schooling up to high school and 4% hold doctorates, indicating fewer respondents at the
lowest and highest education levels.

Table 4.6. Place of Residence the Respondents

Place of residence Frequency Percentage

Rural 31 62%
GFGC ANAVATTI Page 26
 semi- urban 11 22%
Urban 5 10%
Metropolitan 3 6%
Total 50 100%

Source: Field Study

Graph 4.6. Place of Residence the Respondents

Place of residence
35

30

25
Frequency
20 Percentage

15

10

0
Rural semi- urban Urban Metropolitan

Interpretation:

The table and graph shows that most investors (62%) are from rural areas, while 22%
are from semi-urban places. Only a small number are from urban (10%) and
metropolitan (6%) areas. This means that rural investors make up the majority in the
Anavatti market.

Table 4.7. Income level of the Respondents

GFGC ANAVATTI Page 27
 Monthly Income Frequency Percentage
Below 20000 6 12%
20001-40000 14 28%
40001-60000 12 24%
60001-100000 1 2%
Above 100000 17 34%
Total 50 100%

Source: Field Study

Graph 4.7. Income level of the Respondents

Income Level
18

16

14

12 Frequency
10 Percentage

0
Below 20000 20001-40000 40001-60000 60001-100000 Above 100000

Interpretation:

The table and graph show the monthly income levels of 50 respondents in the Anavatti
market. Most respondents (34%) earn above ₹100,000 per month, while 28% earn
between ₹20,001 and ₹40,000. A smaller group (24%) earn ₹40,001 to ₹60,000, and
only a few (12%) earn below ₹20,000. Very few (2%) have an income between
₹60,001 and ₹100,000.

GFGC ANAVATTI Page 28

Table 4.8 Investment experience of the Respondents

Investment Experience Frequency Percentage

Less than 1 year 7 14%
1-3 years 21 42%
4-6 years 9 18%
More than 6 years 13 26%
Total 50 100%

Source: Field Study

Graph 4.8 Investment experience of the Respondents

Investment Experience
25

20

15 Frequency
Percentage

10

0
Less than 1 year 1-3 years 4-6 years More than 6 years

Interpretation:

The above table and graph show the investment experience of 50 respondents in the
Anavatti market. Most investors (42%) have 1–3 years of experience, followed by 26%
with more than 6 years. Only 14% are new investors with less than 1 year of experience,
while 18% have 4–6 years of experience. This indicates that many investors are
relatively new but gaining experience.

GFGC ANAVATTI Page 29

Table 4.9 Opinion of the Respondents towards Primary Investment
Avenue

Investment Avenue Frequency Percentage (%)

Fixed deposits 21 42
Mutual fund 9 18
Real estate 6 12
Gold 5 10
Public Provident Fund (PPF) 6 12
Other 4 8
Total 50 100

Source: Field Study

Graph 4.9 Opinion of the Respondents towards Primary Investment

Avenue

Primary Investment Avenue

45
40
35
30
25
20
15 Frequency
10 Percentage (%)
5
0
F)
s

P
te
d
sit

er
ld

(P
un

ta

Go

th
po

d
es
lf

O
un
de

ua

al

tF
Re
d

ut
xe

en
M
Fi

id
ov
Pr
ic
bl
Pu

Interpretation:

The above table and graph shows the opinions of investors in the Anavatti market about
their preferred primary investment avenue. Most respondents (42%) prefer fixed
deposits, making it the most popular choice. Mutual funds come next with 18%,
followed by real estate and PPF, both at 12%. Gold and other options are less
spreferred, with 10% and 8% respectively.

GFGC ANAVATTI Page 30

Table 4.10 Opinion of the Respondents towards Motive for to make
Investment Decision

Motivating Factor Frequency Percentage

Tax saving 13 26%
Capital appreciation 9 18%
Regular income 18 36%
Retirement planning 4 8%
Safety of principal 6 12%
Total 50 100%

Source: Field Study

Graph 4.10 Opinion of the Respondents towards Motive for to make

Investment Decision

Motive for to make Investment Decision

18
16
14
12
10
Frequency
8
Percentage
6
4
2
0
g
n

l
e

al
in
tio

om
ng

cip
nn
cia
vi

nc

in
la
sa

re

pr
ri

tp
pp
x

la
Ta

en

of
gu
la

em

ty
Re
ta

fe
pi

tir

Sa
Ca

Re

Interpretation:

The table and graph show the reasons why respondents choose to invest. The majority
(36%) are motivated by the desire for regular income, followed by 26% who invest for
tax saving benefits. 18% of respondents aim for capital appreciation, 12% are concerned
with the safety of their principal, and 8% focus on retirement planning.

GFGC ANAVATTI Page 31

Table 4.11 Opinion of the Respondents towards information about
Investment Options

Information Source Frequency Percentage

Financial advisors 13 26%
Social media 9 18%
Newspapers/Magazines 7 14%
Friends and family 20 40%
Online platforms 1 2%
Total 50 100%

Source: Field Study

Graph 4.11 Opinion of the Respondents towards information about

Investment Options

Information about Investment Options

20
18
16
14
12
10
8 Frequency
6 Percentage
4
es

2
y
rs

in

s
ill

m
ia

az
so

0
m

ro
ed

ag
vi

fa

tf
m
ad

la
an
al

s/

p
al

ci

er

e
ci

s
So

lin
d
an

ap

n
n

ie
p

O
Fi

Fr
s
ew
N

Interpretation:

The table and graph show that where people in Anavatti market get information about
investment options. Most respondents (40%) rely on friends and family, while 26% trust
financial advisors. Social media and newspapers/magazines are used by 18% and 14%
of people, respectively. Very few (2%) depend on online platforms for investment
information.

GFGC ANAVATTI Page 32

Table 4.12 opinion of the Respondents towards Risk tolerance level

Risk Tolerance Level Frequency Percentage

Low 7 14%
Moderate 14 28%
High 29 58%
Total 50 100%

Source: Field Study

Graph 4.12 opinion of the Respondents towards Risk tolerance level

Risk tolerance level

30

25

20 Frequency
Percentage
15

10

0
Low Moderate High

Interpretation:

the above table and graph show that most investors in the Anavatti market have a high-
risk tolerance, with 58% of respondents willing to take bigger risks. About 28% of
investors have a moderate risk tolerance, while only 14% prefer low-risk investments.
This suggests that many investors in this market are open to riskier investment
opportunities.

GFGC ANAVATTI Page 33

Table 4.13 Opinion of the Respondents towards Diversification of
Investment Portfolio

Diversification of Investment Portfolio Frequency Percentage

Yes 33 66%
No 17 34%
Total 50 100%

Source: Field Study

Graph 4.13 Opinion of the Respondents towards Diversification of

Investment Portfolio

Diversification of Investment Portfolio

35

30

25 Yes
No
20

15

10

0
Frequency Percentage

Interpretation:

The table and graph show that most investors in the Anavatti market (66%) believe in
diversifying their investment portfolio, while 34% do not think it is necessary. This
means that two out of every three investors feel that spreading their investments helps
reduce risk. Overall, diversification is a popular idea among the respondents.

GFGC ANAVATTI Page 34

Table 4.14 opinion of the Respondents about Investment horizon

Time Horizon Frequency Percentage

Less than 1 year 13 26%
1-3 years 24 48%
4-6 years 8 16%
More than 6 years 5 10%
Total 50 100%

Source: Field Study

Graph 4.14 opinion of the Respondents about Investment horizon

Investment Horizon
25

20

Frequency
15 Percentage

10

0
Less than 1 year 1-3 years 4-6 years More than 6 years

Interpretation:

The table and graph show the respondents' opinions on investment horizons. The
majority of respondents (48%) prefer an investment horizon of 1-3 years, while 26%
prefer less than 1 year. A smaller portion of 16% prefers 4-6 years, and only 10% are
willing to invest for more than 6 years. Overall, the most common investment horizon is
between 1 and 3 years.

GFGC ANAVATTI Page 35

Graph 4.15 Opinion of the Respondents towards factor influencing
Investment Preference

Factor Frequency Percentage

Return on investment 16 32%
Safety of investment 19 38%
Liquidity 9 18%
Tax Benefits 6 12%
Total 50 100%

Source: Field Study

Table 4.15 Opinion of the Respondents towards factor influencing

Investment Preference

Factor influencing Investment Preference

20
18
16
14
12
10 Frequency
8 Percentage
6
4
2
0
ity

ts
t
t

en
en

efi
uid
stm
tm

en
Liq
es

xB
ve
inv

Ta
f in
on

yo
rn

fet
tu

Sa
Re

Interpretation:

The above table and graph show the opinions of respondents on the factors that
influence their investment preferences. The most important factor for most respondents
is the safety of investment, with 38% choosing it as their priority. Following that, 32%
of respondents prioritize the return on investment, while liquidity (18%) and tax
benefits (12%) are less important to them.

GFGC ANAVATTI Page 36

Table 4.16 Opinion of the Respondents towards importance given for
choosing investment

Importance given for choosing investment Frequency Percentage

Return 18 36%
Liquidity 7 14%
Safety 18 36%
Risk 5 10%
Tax Efficiency 3 6%
Total 50 100%

Source: Field Study

Graph 4.16 Opinion of the Respondents towards importance given for

choosing investment

Importance given for choosing investment

18

16

14

12 Frequency
10 Percentage

0
Return Liquidity Safety Risk Tax Efficiency

Interpretation:

The above table and graph show the respondents' opinions on the importance of factors
in choosing an investment. The majority (36%) consider both return and safety as the
most important factors when choosing investments. Liquidity is important to 14% of
respondents, while risk and tax efficiency are less important, with 10% and 6% of
respondents considering them significant, respectively. Overall, return and safety are the
key priorities for investors in the Anavatti market.

GFGC ANAVATTI Page 37

Table 4.17 Opinion of the Respondents towards choice of Funds

Choice of funds Frequenc Percentage

y
Traditional (FD, PPF, LIC.) 23 46%
Modern (mutual funds, stocks sips) 17 34%
Both 10 20%
Total 50 100%

Source: Field Study

Graph 4.17 Opinion of the Respondents towards choice of Funds

Choice of Funds

25

20

Frequency
15 Percentage

10

0
Traditional (FD, PPF, LIC.) Modern (mutual funds, Both
stocks sips)

Interpretation:

The above table and graph show the opinions of respondents regarding their choice of
investment funds. 46% of the respondents prefer traditional investment options like
Fixed Deposits (FD), Public Provident Fund (PPF), and Life Insurance Corporation
(LIC). 34% opt for modern investment avenues such as mutual funds, stocks, and
Systematic Investment Plans (SIPs). 20% of respondents choose both traditional and
modern investment options. Overall, the table includes responses from 50 participants.

GFGC ANAVATTI Page 38

Table 4.18 Opinion of the Respondents towards Family and Peer
influence on Choosing Investment Avenue

Family and peers influence Frequency Percentage

Very high 4 8%
High 16 32%
Moderate 22 44%
Low 7 14%
None 1 2%
Total 50 100%

Source: Field Study

Graph 4.18 Opinion of the Respondents towards Family and Peer

influence on Choosing Investment Avenue

Family and Peer influence on Choosing In-

vestment Avenue
25

20
Frequency
Percentage
15

10

0
Very high High Moderate Low None

Interpretation:

The table shows how family and peers influence people's choice of investment avenues.
Most respondents (44%) said their family's and peers' influence is moderate, followed
by 32% who feel it's high. A smaller group (8%) feels very strongly influenced; while
14% feel low influence and 2% report no influence at all. Overall, family and peer
influence are important to a significant portion of investors.

GFGC ANAVATTI Page 39

Table 4.19 Opinion of the Respondents towards Time period required
to modify and review investment Portfolio

Time Required to Review and Modify Frequency Percentage

Investment Portfolio
Monthly 17 34%
Quarterly 11 22%
Half-Yearly 8 16%
Annually 9 18%
Rarely 5 10%
Total 50 100%
Source: Field Study

Graph 4.19 Opinion of the Respondents towards Time period required to modify
and review investment Portfolio

Time period required to modify and review

investment Portfolio
18
16
14
Frequency
12
Percentage
10
8
6
4
2
0
Monthly Quarterly Half-Yearly Annually Rarely

Interpretation:

The table and graph show that most respondents prefer to review and modify their
investment portfolios on a monthly basis, with 34% selecting this option. A smaller
proportion of investors review their portfolios quarterly (22%) or annually (18%). Some
do so less frequently, with 16% reviewing it half-yearly and 10% rarely making any
changes. This indicates that most investors regularly track their investments to adjust
when needed.

GFGC ANAVATTI Page 40

Table 4.20 Opinion of the respondents towards safest investment

Investment options Frequency Percentage

Fixed deposit 27 54%
PPF 5 10%
Mutual funds 3 6%
Gold 15 30%
Total 50 100%

Source: Field Study

Graph 4.20 Opinion of the respondents towards safest investment

safest investment

30

25
Frequency
20 Percentage

15

10

0
Fixed deposit PPF Mutual funds Gold

Interpretation:

The above table and graph show the respondents' opinions on the safest investment
options. Most respondents (54%) believe that Fixed Deposits are the safest investment.
Gold follows with 30%, while only a small percentage consider PPF (10%) and Mutual
Funds (6%) as safe. This indicates that the majority of respondents trust traditional
options like Fixed Deposits and Gold for safety.

GFGC ANAVATTI Page 41

Table 4.21 Opinion of the Respondents towards Most liquid investment
option

Investment option Frequency Percentage (%)

Saving account 14 28
Mutual funds 15 30
Stock market 13 26
Gold 6 12
Real estate 2 04
Total 50 100

Source: Field Study

Table 4.21 Opinion of the Respondents towards Most liquid investment

option

Most liquid investment option

30

25

20
Frequency
Percentage (%)
15

10

0
Saving account Mutual funds Stock market Gold Real estate

Interpretation:

The above table and graph shows the respondents' opinions on the most liquid
investment options. The majority of respondents, 30%, considered mutual funds the
most liquid option, followed closely by savings accounts at 28%. The stock market was
chosen by 26% of respondents, while gold (12%) and real estate (4%) were seen as less
liquid options. This indicates that most investors prefer mutual funds and savings
accounts for liquidity.

GFGC ANAVATTI Page 42

Table 4.22 Preference of the respondents towards safety over returns

Investor preference Frequency Percentage (%)

Strongly agree 9 18%
Agree 10 20%
Neutral 14 28%
Disagree 14 28%
Strongly disagree 3 6%
Total 50 100%

Source: Field Study

Graph 4.22 Preference of the respondents towards safety over returns

safety over returns

14

12

10
Frequency
8 Percenatage(%)
6

0
Strongly agree Agree Neutral Disagree Strongly
disagree

Interpretation:

The table shows that most investors in Anavatti market have mixed opinions about
prioritizing safety over returns. While 20% agree and 18% strongly agree that safety is
more important than returns, 28% are neutral, and another 28% disagree with this
preference. A small percentage, 6%, strongly disagrees. This indicates that there is a
balanced division of opinion among the investors.

GFGC ANAVATTI Page 43

Table 4.23 Satisfaction Level of the Respondents towards current
investment in terms of Safety

Satisfaction level Frequency Percentage

Very satisfied 17 34%
Satisfied 13 26%
Neutral 14 28%
Dissatisfied 2 4%
Very dissatisfied 4 8%
Total 50 100%

Source: Field Study

Graph 4.23 Satisfaction Level of the Respondents towards current

investment in terms of Safety

Investment in terms of Safety

18

16

14

12 Frequency
10 Percentage

0
Very satisfied Satisfied Neutrall Dissatisfied Very dissatisfied

Interpretation:

The table shows the satisfaction levels of respondents regarding the safety of their
current investments. About 34% of respondents are very satisfied, and 26% are
satisfied. Meanwhile, 28% are neutral, while 4% are dissatisfied, and 8% are very
dissatisfied. Overall, most respondents feel relatively safe with their investments, with a
majority expressing positive or neutral feelings about safety.

GFGC ANAVATTI Page 44

Table 4.24 Satisfaction Level of the Respondents towards current
investment in terms of Liquidity.

Satisfaction level Frequency Percentage

Very satisfied 14 28%
Satisfied 14 28%
Neutral 13 26%
Very Dissatisfied 5 10%
Dissatisfied 4 8%
Total 50 100%

Source: Field Study

Graph 4.24 Satisfaction Level of the Respondents towards current

investment in terms of Liquidity.

Investment in terms of Liquidity.

14

12

10
Frequency
8 Percentage

0
Very satisfied Satisfied Neutral Very Dissatisfied Dissatisfied

Interpretation:

The above table and graph show that 56% of respondents (14 very satisfied and 14
satisfied) are content with the liquidity of their current investments. Around 26% are
neutral, and only 18% (5 very dissatisfied and 4 dissatisfied) are unhappy with the
liquidity. This indicates that most investors in Anavatti market are either satisfied or
neutral about how easily they can access their investments.

GFGC ANAVATTI Page 45

Table 4.25. overall Confidence level of the Respondents in investment
Decision

Confidence level on Investment Frequency Percentage

Very high 13 26%
High 17 34%
Moderate 4 8%
LOW 16 32%
Total 50 100%

Source: Field Study

Graph 4.25. Overall Confidence level of the Respondents in investment

Decision

Chart Title
18
16
14
12 Frequency
10 Percentage

8
6
4
2
0
Very high High Moderate LOW

Interpretation:

Table above table and graph shows the overall confidence levels of respondents in
making investment decisions. The majority of respondents (34%) have a high level of
confidence, while 26% report very high confidence. However, a significant portion
(32%) feels low confidence, and 8% have a moderate level of confidence. This suggests
that while most investors are fairly confident, a notable number still have doubts about
their investment choices.

GFGC ANAVATTI Page 46

 CHAPTER-05

FINDINGS, SUGGESTIONS AND CONCLUSION

GFGC ANAVATTI Page 47

5. FINDINGS, SUGGESTION AND CONCLUSION

5.1 FINDINGS:

 The Majority of respondents in unity market are male (64%), showing higher male
involvement in investment related activities compared to females (36%).
 Most investor in any market prefer fixed deposits (42%), followed by mutual funds
(18%) and real estate/ PPF (12%).
 The data indicates that a majority(58%) of investors in the anavatti market have a
high-risk tolerance while 28% exhibit moderate risk tolerance, and only 14% prefer
low-risk investment. This suggestes that most investors are open to riskier
investment opportunities.
 66% of investors in the market in the market believe in diversifying their investment
portfolio, showing that diversification is widely accepted as a way to reduce risk.
 The majority of respondents (38%) consider the safety of investment as the most
important factor, followedby return on investment (32%), while liquidity (18%) and
tax benefits (12%) are less prioritized.
 In the anavatti market, 36% of respondents consider both return and safety as the
most important factor when choosing investment. Liquidity (14%), risk (10%), and
tax efficiency (6%)are seen asless important.
 Family and peer influence significantly affect investment choices, with 76% of
respondents feeling moderate to high influence.
 The majority of respondents (54%) view fixed deposits or gold as the safest
investment options, while fewer consider PPF (10%) or mutual funds (6%).
 The majority of respondents (30%) consider mutual funds the most liquid
investment option, followed by savings accounts (28%). The stock market (26%),
gold (12%), and real estate (4%) are seen as less liquid.
 Most investors (56%) are satisfied with the liquidity of their investment, but 18%
are dissatisfied.

GFGC ANAVATTI Page 48

SUGGESTIONS:

 Financial institution should increase the accessibility and awareness of investment

avenues especially among those who have not attended.
 Governmentarepromoting female participation through targeted support programs
and investment training to reduce the gender gap.
 Investorsarepromoted awareness of diverse investment option to help investors
make more informed choices.
 The bank can offer more high-risk, high-reward investment option to match investor
preferences.
 The investors can be provided diversified investment options and educate the
remaining on the benefits of spreading risk across different assets.
 The Government should encourage awareness about focus on offering secure
investment options with stable returns, while also highlighting safety features to
attract more investors.
 Banks can be design investment options that balance good returns with strong safety
features to align with the top priorities most investors in this market.
 The financial institutionisleverage family- oriented marketing and referral programs
to appeal to the social influence many investors experience.
 Investors can be focus on promoting fixed deposits and gold as safe investment
option while educating investors on the benefits and safety of alternative options
like PPF and mutual funds.
 The government can be offer more liquid investment products like mutual funds and
savings accounts to cater to investor preferences for liquidity, while educating them
on the benefits of other investment option for long-term growth.
 The investors can be offer more liquid investment options to improve accessibility
and meet the needs of dissatisfied investors.

GFGC ANAVATTI Page 49

Conclusion:

In conclusion, increasing awareness and accessibility of investment avenues among

students, especially those from underrepresented group, is crucial for fostering financial
inclusion and literacy. Government, universities, and colleges play a pivotal role in
promoting diverse and secure investment option tailored to varying risk appetites and
investor preferences. By integrating investment education, encouraging diversification,
and leveraging targeted outreach strategies, institutions can equip young individuals
with the knowledge and confidence to make informed financial decisions. Emphasizing
both high-reward opportunities and secure, long-term option ensure a balanced
approach that support financial stability and growth for future generations.

Students should be encouraged to explore both traditional and modern investment

option like PPF, mutual funds, and fixed deposits. Increasing awareness of risk
management and diversification is essential for safe investing. Financial literary leads to
better planning for future goals, savings, and financial independence. developing
financially educated youth contributes to individual well-being and support the
country’s economic growth.

GFGC ANAVATTI Page 50

BIBLIOGRAPHY
BIBLIOGRAPHY

 BOOKS
“THE INTELLIGENT INVESTOR” – BENJAMIN GRAHAM
“COMMON STOCKS AND UCOMMON PROFITS”PHILIP FISHER
“ONE UP ON WALL STREET” _ PETER LYNCH
“RICH DAD POOR DAD” _ ROBERT KIYOSAKI

 WEBSITES

[Link]
[Link]
[Link]
[Link]

GFGC ANAVATTI Page 51

 APPEDIX

QUESTIONNAIRE

1. Name:
2. Age:
3. Gender:
A. Male
B. Female.
C. Other
4. Marital status:
A. Single
B. Married
C. Divorced
D. Widowed
5. Education level:
A. School
B. Graduate
C. Postgraduate
D. Doctorate
E. Professional qualification
6. Occupation:
A. Student
B. Government employee
C. Private employee
D. Businessperson
E. Retired
F. Homemaker
7. Monthly Income:
A. Below 20000

GFGC ANAVATTI Page 52

 B. 20001-40000
C. 40001-60000
D. 60001-100000
E. Above 100000
8. Place of Residence:
A. Rural
B. Semi-urban
C. Urban
D. Metropolitan
9. Investment Experience:
A. Less than 1 year
B. 1-3 years
C. 4-6 years
D. More than 6 years
[Link] often do you invest in financial product?
A. Rarely
B. Occasionally
C. Frequently
D. Regularly
[Link] of the following do you consider your primary investment
avenues?
A. Fixed deposits
B. Mutual fund
C. Real estate
D. Gold
E. Stock market
F. Public provident fund (PPF)
G. Other
[Link] motivates you to make an investment decision?
A. Tax savings
B. Capital appreciation
C. Regular income
D. Retirement planning
GFGC ANAVATTI Page 53
 E. Safety of principal

[Link] do you gather information about investment options?

A. Financial advisors
B. Social media
C. Newspaper /magazine
D. Friends and family
E. Online platforms
[Link] is your risk tolerance level?
A. Low
B. Moderate
C. High
[Link] you diversify your investment portfolio?
A. Yes
B. No
[Link] long is your usual investment horizon?
A. Less than 1 year
B. 1-3 years
C. 4-6 years
D. More than 6 years
[Link] factor most influences your investment preference?
A. Returnon investment
B. Safety of investment
C. Liquidity
D. Tax benefits
E. Past performance
[Link] one you give more importance when choosing an
investment ( 1= most important 5= Least important ):
A. Return
B. Safety
C. Risk
D. Tax efficiency

GFGC ANAVATTI Page 54

[Link] you prefer traditional or modern investment instruments?
A. Traditional (FD, PPF, LIC)
B. Modern (mutual Funds, Stocks, SIPs)
C. Both
[Link] much influence do family and peers have on your investment
decisions
A. Very High
B. High
C. Moderate
D. Low
E. None
[Link] platform do you prefer for making investments?
A. Monthly
B. Quarterly
C. Half -yearly
D. Annually
E. Rarely

[Link] investment do you perceive as the safest?

A. Fixed deposit
B. Gold
C. PPF
D. Real estate
E. Mutual funds

[Link] investment do you perceive to offer the highest returns?

A. Equity /stocks
B. Mutual funds
C. Real estate
D. Gold
E. Government securities

24. Which investment do you perceive as most liquid (easy to convert to cash)?
GFGC ANAVATTI Page 55
 A. Savings account
B. Mutual funds
C. Stock market
D. Gold
E. Real estate

[Link] your: “I prioritize safety over returns”.

A. Strongly agree
B. Agree
C. Neutral
D. Disagree
E. Strongly disagree

[Link] your satisfaction level with your current investment in terms

of safety.
A. Very satisfied
B. Satisfied
C. Neutral
D. Dissatisfied
E. Very dissatisfied

[Link] your satisfaction level with current investment in terms of

returns.
A. Very satisfied
B. Satisfied
C. Neutral
D. Dissatisfied
E. Very dissatisfied
[Link] your satisfaction level with current investment in terms of
liquidity.
A. Very satisfied
B. Satisfied
C. Neutral
GFGC ANAVATTI Page 56
 D. Dissatisfied
E. Very dissatisfied

[Link], how would you rate your investment decision-making

confidence?
A. Very high
B. High
C. Moderate
D. Low
E. Very low

GFGC ANAVATTI Page 57