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various investment avenues

various investment avenues

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Published by agarwal_vinay853150

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Published by: agarwal_vinay853150 on Aug 12, 2009
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07/25/2013

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ABSTRACT
Savings form an important part of the economy of any nation. With the savings invested in variousoptions available to the people, the money acts as the driver for growth of the country. Indian financialscene too presents a plethora of avenues to the investors. Though certainly not the best or deepest of markets in the world, it has reasonable options for an ordinary man to invest his savings.The money you earn is partly spent and the rest saved for meeting future expenses. Instead of keeping thesavings idle you may like to use savings in order to get return on it in the future. This is calledInvestment.One needs to invest to and earn return on your idle resources and generate a specified sum of money for aspecific goal in life and make a provision for an uncertain future One of the important reasons why oneneeds to invest wisely is to meet the cost of 
 Inflation.
Inflation is the rate at which the cost of livingincreases.The cost of living is simply what it costs to buy the goods and services you need to live. Inflation causesmoney to lose value because it will not buy the same amount of a good or service in the future as it doesnow or did in the past. The sooner one starts investing the better. By investing early you allow your investments more time to grow, whereby the concept of compounding increases your income, byaccumulating the principal and the interest or dividend earned on it, year after year. The three golden rulesfor all investors are:
Invest early
Invest regularly
Invest for long term and not short termThis project will also help to understand the investors facet before investing in any of the investment toolsand thus to scrutinize the important aspects for the investors before investing that further helped inanalyzing the relation between the features of the products and the investors’ requirements.
INTRODUCTION
 
OBJECTIVES OF THE PROJECT: 
The purpose of the study was to determine the saving behavior and investment preferences of customers. Customer perception will provide a way to accurately measure how the customers think aboutthe products and services provided by the company. Today’s trying economic conditions have forceddifficult decisions for companies. Most are making conservative decisions that reflect a survival mode inthe business operations. During these difficult times, understanding what customers on an ongoing basisis critical for survival. Executives need a 3
rd
party understanding on where customer loyalties stand. Morethan ever management needs ongoing feedback from the customers, partners and employees in order tocontinue to innovate and grow. The main objective of the project is to find out the needs of current andfuture customers. For this report ,customer perception and awareness level will be measured in manyimportant areas like:To understand all about different investment avenues available in India.To find out how the investors get information about the various financial instrumentTo find out how the investor wants to invest i.e. on his own or through a broker.To find out the saving habits of the different customers and the amount they invest in various financialinstruments.In which type of financial instrument they like to invest.How long they prefer to keep their money invested.What is the return that they expect from the investment.What are the various factors that they consider before investing.To find out the risk profile of the investor.To give a recommendation to the investors that where they should invest.To give a suggestion to my company where our fund lacks in the market & how it should be rectified.After all as a management trainee I will try to get some valuable knowledge from my seniors in theorganization as well as from my faculty guide which will help me in the future.To evaluate the consumer attitude towards saving and decision making regarding investments.
VALUE ADDITION TO THE COMPANY
This report will help the company to strengthen customer intimacy. The report on various investmentavenues available In India will help the company in many areas like.It will help the company to understand the expectations the customer have about their company from the perspective of financial performance and corporate social responsibility.
 
It will provide fresh insights which can help their business continue to flourish.The company can identify the particular service requirements of different types of customers.The company can understand the problem areas.The company can evaluate new services initiatives.The study will help in gaining a better understanding of what an investor looks for in an investmentoption.It can be used by the financial sector in designing better financial instrument customized to suit the needsof the investor.It will help agents and brokers in marketing the existing instruments.It will provide knowledge to the customer about the various financial services provided by the companyto their customers.It can help the company to understand what is the requirement of the different categories of customersThis report will be developed in order to empower companies with detailed primary marketresearch needed to make well informed decisions and it will provide independent measurement andvalidation of the health of company’s relationship with their customers. These are the various advantageswhich will give some value addition to the company in understanding the awareness level of the customer about the various investment options and what is the perception of the investors with regard to theinvestments they want to make.
LIMITATIONS OF THE STUDY
The project is based upon various financial instrument that are available in India and the perception levelof the customer about these financial instruments. For which there will be the need of information fromthe customers about their knowledge of these financial products. The various limitations of the study are:Total number of financial instrument in the market is so large that it needs a lot of resources to analyzethem all. There are various companies providing these financial instruments to the public. Handling andanalyzing such a varied and diversified data needs a lot of time and resources .As the project is based on secondary data, possibility of unauthorized information cannot be avoided.

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Pera Anand liked this
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Mandeep Kalsi added this note
dude can you please please please email me thiss....it is very much important forr mee... my id is coolmandy10@yahoo.com...please do email mee.....will be greatly thankfull to you
John Uchechukwu added this note
outline the major factors to be considered when seeking avenues to invest surplus funds that are not immediately required.
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