at Bajaj Capital Ltd.

Under the guidance of Prof. Venkatesh Bhagavath

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Set up in 1964 Leading financial services company offering free advice SEBI-approved Category I Merchant Banker 134 investment centre Cater to Corporates, institutional investors, individuals, HNI & NRI

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Investments Insurance Tax Saving Retirement Planning Financial Planning Childrens Future Planning Wealth management

 Asset allocation and portfolio construction

Problem statement
study the risk tolerance, risk appetite, needs of an investor and allocate assets depending on his/her age and time horizon

Scope
limited to India region only. limited to equity, bonds, mutual fund

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Random sampling Questionnaire was developed

Primary source
15 dummy clients Branch manager Other employees

Secondary source
Investment analysis and portfolio management Reilly/Brown Fundamentals of investment market by Balaji www.bajajcapital.com www.investopedia.com by Rao

Risk tolerance depends on

Age Duration of investment Current income Current liabilities

Asset composition depends upon risk appetite

Cash/Short term Equities Short term Conservative balanced Growth Aggressive growth Most aggressive 100% 30% 10% 5% 0% 0% 0% 50% 45% 30% 25% 0% 0% 20% 45% 65% 75% 100%

Bonds

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personal situation investment objectives present allocation Asset class selection Decide allocation percentage Implement the plan Review it regularly

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Wealth management - risky job Update with return & risk of asset classes Understanding clients needs and his risk is important Investment should be spread across asset classes Return is positively correlated to risk

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You