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Study of “investor’s awareness and preference of financial product (investment) in rural area

if you are lookin" for hi"h "rowth with safety. +hese investors may not have enou"h knowled"e about other investment avenues. Inventory etc. which fetch them hi"her incomes. +o study the preferences of the investor.INTRODUCTION • India has always been known as the “elephant” of the investment world. that wills help. +his evaluation will conclude in an optimum investment portfolio. "old. Invariably when investment decisions come up. It moves slowly but surely. %eal /states. Share #arkets.eposits. shares. insurance. In the past it has been apan. #e$ico. Some investors prefer for investments which are profitable and they wanted to breakeven with the risks inherited with that particular investment. #utual 0unds. +o know in depth knowled"e of various investment. +o understand the risk and return patterns of various Investment. &owever. !r"entina. +o present information about investment.. then India is the place to invest your money. . +o report the performance of the Investment. Startin" with -ank . and %ussia."uide a prospective investor. • • • • Objectives of study • • • • • • • +o know the various investment product available to a prospective investor. +o analy1e those investment products. funds flow to “hot new” destinations. It is home to several metropolises while also dramatically developin" its rural areas. India has developed solid financial systems since Independence in '()*.

!t the same time. . these same investors tend to sell or reduce their holdin"s in investments that have performed poorly. C. often i"nored. and portfolio risk choices is e$plained by a "enetic component. !""-$ states that t)e decision2makin" by individual investors is usually based on their a"e. net worth. this strate"y leads to a dramatic decline in their portfolio when the market corrects. • • • • .. loadin" of complain are some of the factors which affect their satisfaction level. in the short term. however.. investment portfolio. . M. /. a"ain. and other demo"raphic factors. %arry. heuristics. !"riculturists are "enerally less informed and passive to makin" investment so that they suffer from all the traits of bein" prone to "rievances. !""*$. risk bearin". mental accountin" of investin" is. '. where as business man are more darin". !s a result. . income.Literature Review • Nayak. #**2$ emphasi1ed the avera"e investor has the tendency to increase their holdin"s in investments that perform the best in the short term. entrepreneurial activity etc. '. +hey found that up to )3 percent of the variation in stock market participation. asset allocation.. +. !""*$ reveals that usually rational investors are sometimes prone to depart from their normal lo"ic and follow the mass hysteria. !"#"$. C)a&dra. Since a lar"e proportion of money has been added to these investments after most of the "rowth has occurred.1 (566)) hi"hli"hted that many investors are followin" investment styles where investments decisions are made with only limited reference to available information and no concern with fair value. D)ake. 4enetic variation is a very important e$planation for variation in investment behaviour compared to the influence of education.. +he impact of behavioural aspect like "reed and fear. and instinctively investment2 minded. K. the avera"e investor will hold a portfolio that is heavily wei"hted in asset classes that have demonstrated the best short2term performance. awareness of functions of redressed a"encies. analy1e the si"nificance of difference between the various demo"raphic variable and investor’s knowled"e of "rievances. &e concludes that professionals and servicemen bein" more educated are e$pected to be more rational in their decisions. . stated that the cross2sectional hetero"eneity in key measures of investment behaviour into "enetic and environmental influences. co"nitive dissonance. a&d 'te()a&. education. 0T. • %e&rik.

'a5(1i&3 Met)od49 • • +robabi1ity 'a5(1i&3.Researc) Met)odo1o3y “%esearch desi"n is the plan. Researc) Desi3&4 I have used descri(tive researc) employin" cross sectional data to analysis my research problem “consumer awareness and preference of financial product” !. Interview method 8. 8. ). 9bservation #ethod • 'eco&dary data4 '.ublic records and statistics. 5. 6. 'ource of data4 +he data collected for the study was primary in nature as well as secondary data. 3. etc. business :ournals. . . +hrou"h internet +rade :ournals.” #. +hrou"h 7uestioner. 'a5(1e si7e4 '66 %espondent 8. structure and strate"y of investi"ation conceived so as to obtain answers to research 7uestions and to control variance. 5. • +ri5ary data4 '. Too1 of data a&a1ysis4 • +erce&ta3e 5et)od • . 9fficial websites -ooks. ma"a1ines. No&9+robabi1ity 'a5(1i&3. newspapers.ra()ica1 5et)od ).