Company profile:-

Portfolio:
A portfolio is a combination of different investment assets

mixed and matched for the purpose of achieving an

investors goal(s). A portfolio is a collection of securities
since it is really desirable to invest the entire funds of an
individual or an institution or a single security.
Combinations of securities that have high risk and return
features make up a portfolio.

Portfolio Management:A portfolio is a collection of securities since it is really desirable to

invest the entire funds of an individual or an institution or a single

security. Portfolio analysis determines the future risk and return in
holding various blends of individual securities. The main objective of
portfolio management is to maximize the returns from the investment
and to minimize the risk involved in investment. Moreover, risk in
price or inflation erodes the value of money and hence investment
must provide a protection against inflation. Investment in chit funds,
Nidhis, company deposits, and in private limited companies has the
highest risk. But the basic principle is that the higher the risk, the
higher is the return and the investor should have a clear perception of
the elements of risk and return when he makes investments.

COMPANYS PROFILE
Introduction of IDBI Federal Life Insurance Co. Ltd. :IDBI Federal Life Insurance Co Ltd. is a joint-venture of IDBI Bank, in this
venture, IDBI Bank owns 48% equity while Federal Bank and Ageas own 26%
equity each having started in March 2008, in just five months of inception, and
IDBI Federal became one of the fastest growing new insurance companies. IDBI
Federal became one of the fastest growing new insurance companies by
garnering Rs.100 Cr in premiums. Through a continuous process of innovation
in product and service delivery IDBI Federal aims to deliver world-class wealth
management, protection and retirement solutions that provide value and
convenience to the Indian customer.
The company offers its services through a vast nationwide network 2,308
partner bank branches of IDBI Bank and Federal Bank in addition to a sizeable
network of advisors and partners. As on 31st December 2013, the company has
issued nearly 5.5 lakhs policies with a sum assured of over Rs. 32,110.48 crores.

Sponsors of IDBI Federal Life

Insurance Co Ltd

Federal
Bank
IDBI
Bank ltd.

Agency

Ageas
IDBI
Federal
life
insurance
co. ltd.

SCOPE:
Portfolio management is a process encompassing many activities of

investment in assets and securities. It is a dynamic and flexible concept and

involves regular and systematic analysis, judgment and action. The
objective of this service is to help the unknown and investors with the
expertise of professionals in investment portfolio management. It involves
construction of a portfolio based upon the investors objectives, constraints,
preferences for risk and returns and tax liability. The portfolio is reviewed
and adjusted from time to time in tune with the market conditions. The
evaluation of portfolio is to be done in terms of targets set for risk and
returns. The changes in the portfolio are to be effected to meet the changing
condition
Portfolio selection involves choosing the best portfolio to suit the risk
return preferences of portfolio investor management of portfolio is a
dynamic activity of evaluating and revising the portfolio in terms of
portfolios objectives.

Objectives of the
Study
To get the overview of securities and investment.
To get the knowledge of different factors that affects the investment decision of

investors.
To know how investor is allocating their asset i.e. when and in which sectors they
are investing.
Portfolio management services helps investors to make a wise choice between
alternative investments with pit any post trading hassles this service renders
optimum returns to the investors by proper selection of continuous change of one
plan to another plane with in the same scheme, any portfolio management must
specify the objectives like maximum returns, and risk capital appreciation, safety
etc. in their offer

RESEARCH DESIGN
The research design specify that the methods and procedure that is followed for conducting a
particular study. The type of research design applies here is simple random sampling.

SOURCE OF DATA COLLECTION

There are two types of source of data which is being used for the
studies Primary Source Data: - Primary data has been collected
through surveying and interacting with the policy holders of
IDBI Federal Life Insurance, Jaipur
Secondary Source Data:- Secondary data includes
information regarding present market scenario, information
regarding investment and investor by Books, Magazines and
Journal, IDBI Federal Life Insurance Official Documents, etc.

Tool of the study

The study conducted about the portfolio management
(asset allocation) of high net worth individual in the city
so
the
method
of
data
collection
used
QUESTIONNAIRE.

UNIVERSE
Universe of the study conducted by the researcher is high
net worth individuals of Jaipur of IDBI Federal Life
Insurance Co. Ltd.

Questionnaire
Principal source of income?
Return expect from portfolio

investment?
At Stage wanted to retired?

1. Principal source of
income
FREQUENCY
35
35
30

24

26

25
FREQUENCY

20

15

15
10
5
0
Self employed

Professionals

Salaried

Retired

2. Return expect from portfolio

investment
Chart Title
50
45
40
35
30
25
20
15
10
5
0

3
Particulars

Frequency

3. At stage wanted to
Retired
Frequency
40
35
30
25
Axis Title

20
15
10
5
0

50-55 years

55-60 years

60-65 years

Above 65

FINDINGS
In researchers study most of the investors consider

safety of principle while investing their portfolio.

It is found that mostly HNIs consider their time
horizon for investment 10-15 years .
About 37% investors of researcher study are investing
in share market for more than 15 years, in which their
main purpose of investment is growth, tax benefit,
and then capital enhancement.
Around 53% individuals of researcher study rate their
willingness to take risk is medium as they manage
their portfolio by investing in both equity and debt
fund.

Conclusion
Portfolio modeling is a good way to apply analysis and evaluation

of a key set of stocks - those that

the portfolio manager wants to own - to a set of portfolios in one
group or style. Portfolio modeling is an efficient link between
equity analysis and portfolio management.
As the outlook for individual stocks improves or deteriorates over
time, the portfolio manager only needs to change the weightings
of those stocks in the portfolio model to optimize the return of all
portfolios in the group or style. As long as the individual portfolio
accounts are traded efficiently, the group will perform as a
homogeneous element.
Portfolio management is the art and science of making decisions
about investment mix and policy, matching investments to
objectives, asset allocation for individuals and institutions, and
balancing risk against performance.

Suggestions
In today's financial marketplace, a well-maintained portfolio is

vital to any investor's success. As an individual investor, he/

she need to know how to determine an asset allocation that best
conforms to their personal investment goals and strategies. In
other words, investor portfolio should meet their future needs
for capital and give you peace of mind. Investors can construct
portfolios aligned to their goals and investment strategies by
following a systematic approach