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Date : 7/13/20
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MITWPU School of Management - Summer Internship
School of Management (PG)
Faculty of Management – MITWPU
Name: Mrunal Waghchaure
Roll No: 19MBAMM040
Specialization: Marketing
Company Name : Aditya Birla Sunlife Insurance
External Mentor: Jitendra Bapna, Ramashish Vishwakarma
Internal Guide: Rajashri Kadam
Duration : 20th April 2020 – 20th June 2020
Title: Understanding investor perception towards various investment products.
Sr. Nos Contents
2
1. Introduction
2. Literature Review
4. Objective
5. Methodology
6. Company: Aditya Birla Sun life Insurance
7 Observations
8. Findings
9. Contribution
10. Conclusion
11. Suggestions
13. Annexure
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INTRODUCTION 3
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The purpose of my study is Understanding investor perception
towards various investment products.
As any study is incomplete without the interaction with
consumers, I interacted with many individuals with different
backgrounds such as businessman, working professionals, Retired
people, housewife, etc.
Based on the results of the survey questionnaire distributed
amongst various individuals, the next phase was to do the analysis
of what the consumers preferred for investment.
4
The Three Golden Rules for all
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Investors are:
a) Finance early
b) Finance regularly
c) Keep for long term and not for short term.
LITERATURE REVIEW 5
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In this paper titled as A Study on Investors Perception towards Investment
Avenues has stated in their research that investors invest in the stock market with
the sole aim of return optimization (Murty and Sastry, 2013). Variations in the
returns from the expectations of the investors lead for the risk and the subjective
analysis of various attributes helps for the minimization or the avoidance of the
risk.
In this paper titled as A Study on Investors Perception towards Investment
Avenues (Chaturvedi, et. al, 2014) in their research found out that mutual fund is
a tax saving instrument and to a certain extent a return oriented investment.
6
In this paper titled as A Study on Investors Perception towards Investment
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MITWPU School of Management - Summer Internship
Avenues (Vipparthi and Margam, 2012) revealed that the investors' perception
is dependent on the demographic profile and assesses that the investors age,
marital status and occupation has direct impact on the investor's choice of
investment.
In this paper titled as A Study on Behavior and Preferences of Individual
Investors towards Investments (G.S and Anjum, 2014) has suggested that
investors should consider long historical data, size and age of the fund, fund
charges and some measure to analyze the funds for investments in mutual funds.
OBJECTIVE 7
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1. To examine the different investments avenues.
2. To study the perceptions of the Investors towards various
Investment Products.
3. To know about the Investors knowledge and preference of
investing in investments.
METHODOLOGY 8
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1. It is Descriptive Research.
2. Type of Research is Qualitative and Quantitative.
3. Sample Unit : The respondents who will be asked to fill out the
questionnaires are the sampling units. These comprise of employees,
housewives, self-employed, professionals importantly.
4. Sample Size: The sample size is 60, which comprised of mainly people
from different regions of Pune due to time constraints.
COMPANY 9
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1. ABSLI was incorporated on August 4th, 2000 and commenced operations on
January 17th, 2001. ABSLI is ABSLI is a 51:49 a joint venture between the Aditya
Birla Group and Sun Life Financial Inc., a leading international financial services
organization in Canada.
Products
1. ABSLI Life Shield Plan.
2. ABSLI Wealth Assure Plus.
3. ABSLI Vision Star Plan.
4. ABSLI Cancer Shield Plan.
5. ABSLI Secure Plus Plan.
OBSERVATIONS 10
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Interpretation: Majority of the
respondent belong in the age
bracket of 21-44
Interpretation: Married
respondents are more compared
to unmarried
11
Interpretation: There are more
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MITWPU School of Management - Summer Internship
female respondents than male.
Interpretation: Major respondents
were salaried individuals
12
Interpretation: Based on the
respondents it is observed that
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MITWPU School of Management - Summer Internship
family size is from 4 to 6.
Interpretation: Major respondents
have 2 or more members
working in their family.
13
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Interpretation: Major respondents
have their own residence.
Interpretation: Major respondents
have an annual income of 2 lakh –
10 lakhs.
14
Interpretation: Respondents have
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invested 15 – 30% of their savings
in investment.
Interpretation: According to
respondents many of them expect
rate of interest between 12-24%.
15
Interpretation: Many of the
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respondents have less than 3 years’
experience in capital market.
Interpretation: Majority of people
have invested between 1 lakh to 3
lakhs.
16
Interpretation: It is observed that
respondents use their own savings
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for investment.
Interpretation: Respondents refer to
both online and offline trading.
FINDINGS 17
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The objective of the research is to determine the level of awareness about investments
among the people in Pune.
The responses of the respondents regarding this have been presented in above
mentioned tables. By observing the responses, people refer to Gold/Silver(48%) is
preferred as people don’t want to take any risk with money.
The other thing of the research is to understand the various sources that inform and
influence the people while making investment decisions.
The data says that TV channels(65%), newspaper(63%), and investment related
websites (48%) are the factors through which the people get influenced for
information regarding investment avenues
CONTRIBUTON 18
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MITWPU School of Management - Summer Internship
Itreveals that demographic factors have an impact on
retail investors' investment decisions.
There are various investment avenues available for retail
investors and depending upon ones' risk appetite, he/she
can choose between bank deposits, government /private
bonds, shares and stocks, exchange traded funds (ETF),
mutual funds, insurance, commodities, currencies, etc.
The occupation of a person has significant impact on his
buying behavior.
CONCLUSION 19
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The Study reveals that the investor’s investment preference reasons are differ in
different investment avenues.
The investor’s preference reason in Investment Avenue depends upon the
investment objectives such as Risk, Return, Safety and Liquidity of the
investment.
For Indian public money is everything. So they are more sensitive about their
investments. Investors will think hundred times before investing in any market
and will expect more than that.
Encouragement should be given to invest for the long term.
People prefer gold/silver for investment, than other investments.
SUGGESTIONS 20
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1. Invest early
2. Invest Properly
3. Invest for long term and not for short term.
Biblography 21
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Dr. K. Sowmya & J. Mounika Reddy. (2016). A Study on Investors Perception towards
Investment Avenues. International Journal of Research in Finance and Marketing, 6(4).
Jasvir Kaur & Nittan Arora. (2014). A Study on Investor’s Perception towards Mutual
Funds as an Investment Option. International Journal of Latest Engineering and
Management Research, 3(2).
Vijay. S & Dr. Ch. Balanageswara Rao. (2018). A Study on Investors Perception
Towards Sharemarket. International Journal of Trend in Scientific Research and
Development, 2(5).
Annexure 22
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