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Guided by:- Mrs. Geetika Chawla


corporate debentures and bonds where there is low risk but low return. Thus we had wealth management services provided by many institutions . He can invest in bank deposits.These investors have found a good shelter with the mutual funds.However they proved too costly for a small investor . . People began opting for portfolio managers with expertise in stock markets who would invest on their behalf.There are a lot of investment avenues available today in the financial market for an investor with an investable surplus. He may invest in stock of companies where the risk is high and returns are also proportionately high. The recent trends in the stock market have shown that an average retail investor always lost with periodic bearish ends.

bonds. . commodities or money market.Fund operated by an investment company that raises money from shareholders and invests it in stocks. options.

22 yrs Earning Years Post Retirement Years Age.60 yrs .Human Life Cycle Phase I Phase II Child’s Marriage Child’s Education Housing Child birth Marriage 22 yrs 38 yrs 10.20 yrs Phase III Education Age.

Individual Investor: Life Stages Earnings Consumption Savings 22 Young Independent 27 Young Married 40 Middle Age 60 Retirement All individuals have a finite period to save for their investment goals .

•To study the working of mutual funds •To study the characteristics of mutual funds that attract the investor and what an investor should consider for safe investment and better returns. •To know about the benefits of investing through mutual fund •To find out the “various factors considered by the customers while going for investment in mutual fund” .

Type of Mutual Fund Schemes Structure Investment Objective Special Schemes Open Ended Funds Growth Funds Industry Specific Schemes Close Ended Funds Income Funds Index Schemes Interval Funds Balanced Funds Sectoral Schemes Money Market Funds .

Types of Mutual Fund Schemes • By Structure – Open-Ended – anytime enter/exit – Close-Ended Schemes – listed on exchange – Interval schemes • By Investment Objective – Equity (Growth) – only in Stocks – Long Term (3 years or more) – Debt (Income) – only in Fixed Income Securities (3-10 months) – Liquid/Money Market (including gilt) – Short-term Money Market (Govt.) – Balanced/Hybrid – Stocks + Fixed Income Securities (1-3 years) • Other Schemes – Tax Saving Schemes – Special Schemes .

REASONS TO INVEST IN MUTUAL FUNDS • • • • • • • • Expert on your side Limited risk More for less Easy investing Convenience Investor protection Quick access to your money Low transaction costs .

1 . Magazines. Journals 3.Data • Primary Data: . 2. Area of study •NCR region 4. Sources: •Books. books.Personal interaction with the respondant through questionnaire • Secondary: -Information through websites. Tools and Techniques •Simple statistical tools . Articles.

• Set up separate customer care divisions where the customers can anytime pose their query.RECOMMENDATIONS  Investor’s point of view : • Ask one’s agent to give details of different schemes and match the appropriate ones • Go to the fund house regarding any queries if one is not satisfied by the agents. regarding the scheme or current NAV etc.  Company’s point of view: • Educate the agents or the salesman properly so that they can take up the queries of the customer effectively. • Conduct seminars or programs about mutual fund where each and every minute information about the product is outlined including the risk factor with different classes of assets .