A SYNOPSIS

ON

"STUDY ON VORIUSE SOURSE OF INVESTMENT

ALTERNATIVES”

SUPERVISOR: SUBMITTED BY:

Mr. S. K. Kapoor Abhishek jain

ASSITANT PROFESSOR 07061144052

Finance

REMARKS OF EVALUATOR

APPROVED/DISAPPROVED
APPROVED/DISAPPROVED

(I EVALUATION) (II EVALUATION)

SESSION:-2008-10

DIRECTORATE OF DISTANCE EDUCATION

GJUS&T, HISAR
 DIRECTORATE OF DISTANCE EDUCATION

GURU JAMBHESHWAR UNIVERSITY OF SC. & TECH., HISAR

FORMAT FOR RESUME OF SUPERVISOR/GUIDE

1. NAME : MR. S.K. KAPOOR

2. DESIGNATION : ASSITANT PROFESSOR

3. QUALIFICATION : MBA

4. AREA OF SPECIALIZATION : FINANCE

5. EXPERIENCE : 5 YEARS

6. OFFICIAL ADDRESS : DAMDAMA LAKE ROAD,

BHONDSI, GURGAON

7. TELEPHONE NO. : 0124-2266519 (OFF.)

8. MOBILE : 9310588029

9. E-MAIL : kushal.kataria@jkbschool.org

I AM WILLING TO SUPERVISE :- Mr. ABHISHEK JAIN

ENROLMENT NO.:- 07061144052

ON THE TOPIC:- “STUDY ON

VORIUSE SOURSE OF
INVESTMENT
ALTERNATIVES”
 (SIGNATURE) WITH SEAL

COUNTERSIGNED BY THE EMPLOYER WITH SEAL

COUNTERSIGNED BY DIRECTOR OF STUDY CENTRE WITH SEAL

 ANNEXURE-III

CERTIFICATE

This is certify that Mr.ABHISHEK JAIN Enrolment No. 07061144052 has

proceeded under by supervision his Research Project Report on “STUDY ON
VORIUSE SOURSE OF INVESTMENT ALTERNATIVES” in the specialization
area “FINANCE” etc.

The work embodied in this report is original and is of the standard expected
of an MBA student and has not been submitted in part or full to this or any
other university for the award of any degree of diploma. He has completed
all requirement of guidelines for Research Project and the work is fit for
evaluation.

Signature of Supervisor/Guide (With Seal)

NAME : S. K. KAPOOR

DESIGNATION : ASSITANT PROFESSOR

ORGANIZATION : JK Business School

Forwarded by Head/Director of Study Centre

(With Signature, Name & Seal)

LITRATURE REVIEW

Ameriprise: an investing consultant firm

 INVESTING THROUGH LIFE'S STAGES

KEY POINTS

• Factors That Affect Your Investment Decisions

• Growth or Income

• Investing for Life Stages

Investing is a lifelong process. The sooner you start; the better off you'll be in
the long run. It's best to start saving and investing as soon as you start
earning money, even if it's only Rs.500 a paycheck. The discipline and skills
you learn will benefit you for the rest of your life. But no matter how old you
are when you start thinking seriously about saving and investing, it's never
too late to begin.

The first part of a successful lifelong investment strategy is disciplined

savings habits. Regardless of whether you are saving for retirement, a new
house, or just that extravagant dining room set, you will need to develop
rigid savings habits. Regular contributions to savings or investment accounts
are often the most productive; and if you can automate them, they are even
easier.

 FACTORS THAT AFFECT YOUR INVESTMENT DECISIONS

Once you begin saving on a regular basis, you'll soon have to decide how to
invest the money you are saving. Regardless of what financial stage of life
you are in, you will have to decide what your needs are and how comfortable
you are with risk.

 GROWTH OR INCOME

What do you need the money for? The answer to this question will help
determine whether you want to put your savings into investment products
that produce income for you, or that concentrate on growing the value of
your investment. For instance, a retirement fund does not need to produce
income until you retire, so your investing strategy should focus on growth
until

you are close to retirement. After you retire, you'll want to draw income from
your investment while keeping your principal intact to the extent possible

 INVESTING FOR LIFE STAGES

Although everyone's attitude toward investing and money is different, most

investors share some common situations throughout their lives. For instance,
where you are in your life cycle certainly affects how you invest for
retirement, but what about other life stages that aren't so closely related to
age?

Let's say you're 40 and expecting your first child. You'll need to decide how
to balance your finances to account for the additional expenses of a child.
Perhaps you'll need to supplement your income with income-producing
investments. Moreover, your child will be entering college at about the time
you're ready to retire! In these circumstances, your growth and income
needs most certainly will change, and maybe your risk tolerance as well.

The following are some major life events that most of us share, and some
investment decisions that you may want to consider:

When you get your first "real" job:

• Start a savings account to build a cash reserve.

• Start a retirement fund and make regular monthly contributions, no

matter how small.

When you get a raise:

• Increase your contribution to your company-sponsored retirement

plan.

• Invest after-tax dollars in municipal bonds that offer tax-exempt

interest.

• Increase your cash reserves.

When you get married:

• Determine your new investment contributions and allocations, taking

into account your combined income and expenses.
When you want to buy your first house:

• Invest some of your non-retirement savings in a short-term investment

specifically for funding your down payment, closing, and moving costs.

When you have a baby:

• Increase your cash reserves.

• Increase your life insurance.

• Start a college fund.

When you change jobs:

• Review your investment strategy and asset allocation to accommodate

a new salary and a different benefits package.

• Consider your distribution options for your company's retirement

savings or pension plan. You may want to roll over money into a new plan or
IRA.

When all your children have moved out of the house:

• Boost your retirement savings contributions.

When you reach 55:

• Review your retirement fund asset allocation to accommodate the

shorter time frame for your investments.

• Continue saving for retirement.

When you retire:

• Carefully study the options you may have for taking money from your
company retirement plan. Discuss your alternatives with your financial
advisor.

• Review your combined potential income after retirement and

reallocate your investments to provide the income you need while still
providing for some growth in capital to help beat inflation and fund your later
years.

OBJECTIVE OF STUDY
  To find out the best investment option for different investor for
different goal.

 Study of liquidity, risk and return of each alternative.

 To find out the preference of investor for investment option

RESEARCH METHODOLOGY

Every project is started with the objective of getting results either positive or
negative. And

each and every project reaches to the stage of completion through the way
of some research

either with the help of primary data or secondary data. And getting of any
project and getting

genuine results from that depends on the research method used by

researcher.

SAMPLE DESIGN

Data collection methods include the various methods used by the researcher
in his project.

The application of method for collecting the data mainly depends upon the
type of project

researcher is going to undertake.

DATA COLLECTION METHOD

The data collected for carrying out this research is both primary (the one
that is unused and out of which no inference have been made) as well as
secondary data (the one that has been already been collected by someone
else and that has already passed through the statistical process). In my case
the main source for primary data has been questionnaire. It consists of a
number of questions printed or typed in a definite order on a form or set of
forms.