Summer Internship Project Report

On

“A STUDY OF INVESTORS’ BEHAVIOUR AND KNOWLEDGE ABOUT WEALTH

MANAGEMENT AMONG INDIVIDUALS”

Completed At

Anand Rathi Private wealth Ltd

By
Roushan Raj
(Roll No. TM2221193 MBA (2022-24)

Under Joint Supervision of

(Faculty Mentor- Dr. Abha Kaneria and Industry Mentor- Mr. Ajay Damani)

Presented in Partial Fulfillment of the Requirements of

MASTERS OF BUSINESS ADMINISTRATION

 ANAND RATHI PRIVATE WEALTH LTD

Office No 601/602, Plot no 490 A/1,

6th Floor Vikram Monarch
Shivaji Nagar Pune
Maharashtra

CERTIFICATE
CERTIFICATE
 STUDENT DECLARATION

I declare that the Report on “A Study of Investors’ Behavior and Knowledge about
Wealth Management among Individuals” is an original work done by me in
accordance with the guidelines prescribed by the Dean’s office for preparation of
Summer Internship Project Report and the work has not been submitted anywhere
else for review.

I understand that if the content of the work is found to be plagiarized at any time of its
evaluation, my report can be rejected and disciplinary action may be initiated against
me.

ROUSHAN RAJ
TM2221193
MBA Finance
Batch 2022-24
 ACKNOWLEDGEMENT

The internship opportunity I had with Anand Rathi Private Wealth Ltd was a great
chance of learning and professional development. I am also grateful for having a
chance to meet so many wonderful people and professionals who led me through
internship period.

Bearing in mind I would like to express my gratitude and special thanks to Mr. Ajay
Damani and Mrs Apurva Mutha who giving me opportunity to complete my
internship in his esteemed organization.

I would like to take this opportunity to acknowledge and thank “Anand Rathi wealth
management.” for providing me this highly coveted opportunity to associate my
summer internship project with the organization.

I would like to thank Dr Sanjiv Kumar Dash (Director, BITM), and Dr. Abha Kaneria
(Professor, Faculty Mentor) for giving their valuable inputs and helping me
throughout the internship. I would like to express my thanks to them for their
careful and precious guidance which were extremely valuable for both theoretically
and practically.

I perceive this opportunity as a big milestone in my career development. I will

strive to use gained skill and knowledge in the best possible way, and I will continue
to work on their improvement, in order to attain desired career objectives.
 TABLE OF CONTENT

S. NO. PARTICULARS PAGE NO.

1. Certificate (from the organization)

2. Certificate (from the faculty mentor)
3. Author’s declaration
4. Acknowledgement
5. List of tables
6. Executive Summary
7. Chapter 1: Overview

1.1 Introduction

1.2 Overview of the company

1.3 Overview of the industry

8. Chapter 2: Research Methodology

2.1 Objectives and Scope

2.2 Research design

2.3 Sources of Data Collection

2.4 Data Analysis-Tools/Techniques

2.5 Sampling Design

2.6 Limitations of the study

9. Chapter 3: Conceptual Background
10. Chapter 4: Data Analysis and Findings
11. Chapter 5: Discussions and Conclusion
12. Chapter 6: Recommendations
13. Bibliography
14. Annexure
 Executive Summary

My name is Roushan Raj. I have done my internship in ‘Anand Rathi wealth management Pvt ltd ’. I
have done my Internship in Finance specialization. Anand Rathi wealth management Pvt ltd. Anand
Rathi wealth management is the one-stop solution provider for all your financial needs. Their objective
is to serve the clients with the best solution for directing their finances in the most profitable direction.
Their mission is to assemble a world-class business through high quality and genuine budgetary
arrangements upheld by sharp research and master group and their vision is to upgrade the
perception of investors moving them from traditional investment decision-making to diversified one.
The title of this report is ‘A study regarding the awareness among the investors regarding Structure
product’ at Anand Rathi Wealth Management.

The demand for wealth management services is increasing due to the growth of awareness towards
the services of wealth management like helping clients to determine the allocation of investments
based on life's realities, helping you prepare for your retirement helping you with inheritance, issues,
and transfer of assets, help you preserve and manage wealth, and so on…Comprehensive wealth
management involves long-term strategic planning of your financial goals. So, the major objective of
this report is to let people aware of the services like Structured Investment products so that investors
can invest with proper knowledge. Structured Investment products are tweaked to a singular's
necessities.

They contain different monetary instruments, similar to derivatives, stocks, securities, and
debentures, with various speculation methodologies in a solitary portfolio — or a prepackaged
methodology wherein esteem is gotten from the exhibition of different underlying assets, for example,
indices, stocks, commodities, interest rates, and so on. I have used two methods to collect the
information for this report. Methods are Online Platforms and Google questionnaires. Descriptive
research design is used to identify the awareness among the investors. In Quantitative research, a
questionnaire was used to collect the data.

The Sampling frame was people of age between 20-80. This study shows that people are not aware
about the Structured Investment products especially Gen x generation investors. The availability of
same is only restricted to HNI’s and not to retailers. Majority of them are not aware about the
components of Structured Investment products which include derivatives, stocks and commodities
etc
 Chapter1: Overview

1.1 Introduction

“When money realizes that it is in good hands, it wants to stay and multiply in those hands.”
—Idowu Koyenikan, Wealth for All: Living a Life of Success at the Edge of Your
Ability.

Wealth management is popularly defined as a high-level professional service that charges one set
fee for financial and investment advice, accounting and tax services, retirement planning, and legal
or estate planning. It’s become over just advice or consulting; it’s an integral aspect of managing the
entire financial lifespan—whether to handle present or future needs and imperatives. In the global
finance market, wealth management isn't a brand-new concept. Widely believed to be near 100 years
old, the term was reportedly popularized by established companies like Goldman Sachs or Morgan
Stanley to segregate their regular financial customers from the rich private ones. Over time, providing
wealth management services and expertise became popular banks and financial services. Let’s
understand from the given table, how the Wealth management business has developed throughout
the long term and how it has developed into the business we know and love today!

Challenges in Wealth Management Industry:-

• Clients are changing: Wealth Managers face a challenge on two fronts. Firstly, retaining assets
across generations, and secondly, upgrading propositions for digitally savvy investors with different
service expectations.
• Advice and discretionary margins are pressured: Comfort in self-servicing, desire for new products
(typically requiring less advice or discretion), and more retail-friendly vehicles, are on the increase.
The marketplace for full discretion or advice appears in danger.
• Regulation creating opportunities and threats: Access to client financial data can make the
recommendation process more efficient and reduce barriers to entry; in parallel, firms are besieged
to cut back fees and increase transparency.
• Competition is intensifying: the number of traditional firms functioning on new propositions is
growing and “Digital Wealth Managers” (e.g. Scalable, Nutmeg).
• Internal factors stoping digital change: Although digital is seen as a key priority for the majority of
Wealth Managers, there are many internal factors like legacy technology, an inconsistent digital
strategy, and resistance to adoption that are holding back transformational change. 2018 states that
out of the 200 wealth managers surveyed, 68% felt that keeping up with new technology was the top
challenge.

About the Company:-

INTRODUCTION

Established in 1994, Anand Rathi is one of India’s leading financial services firms offering Wealth
Management, Investment Banking, Corporate Finance & Advisory, Brokerage & Distribution services
in the areas of equities, commodities, mutual funds, Structured Investment products, insurance,
corporate deposits, bonds & loans to institutions, corporations, high-net-worth individuals, and
families.

The firm has a vast footprint across India and also in select international locations such as Dubai,
with a presence across 1200 locations through its own branches, sub-brokers, remises, and
representative offices/associate companies. The group today employs over 2,500 professionals.

All our offerings are supported by powerful research teams and each unit is clearly positioned to cater
to the most diverse financial needs of our clients. The Anand Rathi Group is a member of the Bombay
Stock Exchange (BSE), National Stock Exchange (NSE), Multi-Commodity Exchange (MCX),
National Commodity Exchange (NCDEX), Central Depository Services Ltd. (CDSL), National
Securities Depository Limited (NSDL) and ARN holder.
It’s a mobile-first, objective-based wealth management solution, through which we bring
uncomplicated investment advisory to the emerging HNI segment. Our new-age, technology-backed
arm has already helped hundreds of clients in creating and implementing an objective-led wealth
strategy. We take the strain of selecting and monitoring investments that are in line with your needs,
whilst our technology creates a single, consolidated overview of your wealth 24x7. Now buy, switch,
redeem and get advice from experts, all in a few taps.

SERVICES

Financial Strategy Design & Development

Our Financial Strategy Design services employ the building-blocks approach. Piecemeal, we move
towards the client’s objective for his or her wealth. Such an objective are often achieved through
several strategies but it's crucial to decide on the one which will increase the probability of success.
Financial Strategy Design has to be backed by data, which serves to create conviction for clients to
require action. After implementing the chosen strategy, monitoring is equally important. Relevant
portfolio reports on an even basis help clients take appropriate executive decisions to realize their
objective.

Mutual Fund and Analytics

Mutual Funds are considered together of the simplest available investment options as they're cost
efficient, professionally managed and simple to speculate. MF investments are ideal for people who
want to grow their wealth over a extended period of your time, avail tax benefits and enjoying tax free
returns on such long run investments. At Anand Rathi, a nonstop effort is created to supply
consistently superior, independent and unbiased advice to the clients backed by in-depth research.
Structured Investment products and Expertise
A Structured Product ["SP"] could be a hybrid investment instrument, which is employed to enhance
the return on a set income or an equity instrument while reducing the chance on the merchandise
employing a legal instrument as insurance on the downside. The layer of derivatives gives it the
pliability needed to blend with a portfolio and enhance its risk to return performance while matching
an investor’s objectives. this is often probably the sole instrument which needs minimal human
intervention during the course of investment post the designing stage. At Anand Rathi, the tenure of
our Structured Investment products is around 3.5 years with a minimum lock-in of 1 year. There are
predominantly two forms of Structured Investment products at Anand Rathi Private Wealth
Management (ARPWM):

Debt Structured Product:

The target return on the merchandise is around 15% p.a. even in a very flat market with a clear stage
of positive returns in negative markets.

Equity Structured Product:

The target return on the merchandise is around 18-21% p.a. at 4-8% p.a. NIFTY performance.
1.2 Overview of the industry- ENGINEERING, PROCUREMENT AND
CONSTRUCTION (EPC) INDUSTRY

Industry Analysis:

 Porters Five Forces Model

This model was developed by Harvard Business School’s Michael Porter to examine
defining characteristics within an industry and how those characteristics influence
strategy and operation for specific business. The five forces first consider competition
among the leading the firms in the industry. This helps in determining the efficiency in
the market. Then comes the bargaining power of the suppliers, bargaining power of
customer, threat of new entrant and threat of substitute.
1. Degree Of rivalry

The degree of competition is high in the industry as there are many other firms that
provide services to the customer. Some of the major competitors are Barrington
Research, Loop Capital, Compass Capital. There is cut throat competition as the
investment market, so only thing that gives the edge in the competition is Service,
Charges and Proper investment knowledge. Better service with lesser charges with
proper investment tool and knowledge give a competitive edge to the firm. Anand
Rathi along with its research team, who does a deep research about the different
stocks in which they are going to invest and proper study about the market situation,
makes Anand Rathi a ideal platform for making the investment.

2. Threat of new entrants

As the industry is very old and takes a very long time to set up customer base and get
them in confidence to start any type of business. So the new entry is difficult and even
if there is new entry it takes a long time to get into business. Large organization which
is already established in different sectors or similar sector with different product can
enter the market easily. Anand Rathi as an organization have competition from already
established firms and not any new firm which is trying to emerge in the Indian market.
3. Threat of substitutes

There is a high risk of the substitutes for Wealth management services. There are
many substitute products available in the market to earn good returns on the
investment. Many people do investment for a short period of time so they will invest in
those products which have a short investment period and average returns. These
products include Money Market, gold, silver, short term debt etc and many more. Many
people don’t have risk appetite so they invest in risk free or less risk instruments such
as debt funds, saving accounts, fixed deposits and so on. Other substitute products
are Mutual Funds, SIP, ULIP, PPF, NPS and many others.

4. Bargaining power of suppliers

Bargaining power of suppliers is not very high as the suppliers also want to make high
profits on their products which they are selling to fund manager. Suppliers give fund
managers utmost importance as they are the one who purchase the suppliers product
on behalf of customers and manage for them.

5. Bargaining power of Customer

Bargaining power of customer is very high. In this sector of investment customer has
various options for their investment. Not only there is threat of customer moving to rival
fir, he also has option of choosing substitute product for investment. This is a customer
dominated market.
SHAREHOLDING
PEERS

PROS

 Company is almost debt free.

 Company is expected to give good quarter
 Company has delivered good profit growth of 27.3% CAGR over last 5 years
 Company has a good return on equity (ROE) track record: 3 Years ROE 33.0%
 Company has been maintaining a healthy dividend payout of 32.4%

CONS

 Stock is trading at 7.54 times its book value

 Working capital days have increased from 38.5 days to 102 days
PHILOSOPHY

The firm s philosophy is entirely client-centric, with a clear focus on providing long-term value
addition to clients while maintaining the highest standards of excellence, ethics, and
professionalism. The entire firm’s activities are divided across distinct client groups: Individuals,
Private Clients, Corporate, and Institutions.

VISION
SWOT analysis
1. Strength

Anand Rathi has very strong well connected branches and franchisee all over India.
As it is one of the leading stock broking firm it has very highly educated, dedicated and
has great knowledge about the product. Anand Rathi has very well designed and user
friendly online website and trading portal. If customer has good knowledge about the
investment and trading, he can directly invest using online portal. He doesn’t need to
call anyone or visit any branch.

2. Weakness

Not enough advertisement. The company turnover is dependent on the market

performance. There is lack of loyal clients.

OPPORTUNITY
As India is developing country, it is also known as land of opportunities. Many
people in India are still unaware about the investment option and services available,
many people still feel that investing in stock and share market is very unsafe. All this
has led to increased opportunities of capturing the untapped market. B grade cities
should the main opportunity market as it is still not touched to that extent.

3. Threat

Maximum threat is from the competitors, other threats are from the substitute products.
If the substitute product performs well then the customer would be more attracted
toward that product instead of investing in wealth management services. Other threats
are changing rules and policy of government and SEBI. Apart from all this there is
threat of customers withdrawing money from market due to economic condition.
Core Values of the company
• Fearless Approach
• Data-Backed Approach
• Uncomplicated Approach
• Transparent Approach The leadership team of Anand Rathi Pvt Limited includes
• Mr. Rakesh Rawal- CEO of the company
• Mr. Amit Rathi – Managing director of the company
• Mr. Feroze Azeez- Deputy CEO of the company
• Mr. Amitabh Lara and Ms. Poonam Raghuvanshi - Director of the company

Role in the Company

Designation :- Finance Intern
Period of Internship:- 2 Months from 15/05/2023 to 14/07/20

WEALTH MANAGEMENT

Wealth Management is continuous investment advisiory process that is a combination

of financial planning, investment portfolio management and a number of aggregated
financial services. It offers several strategies and plans that allow affluent individual or
companies to attain all possible financial goals in a systematic manner.

The goal of wealth management is to sustain and grow long term wealth. From an
affluent person’s standpoint, wealth management is a science of enhancing their
financial situation in a strategic manner. It is a continuous investment advisory process
that is a combination of financial planning investment portfolio management and a
number of aggregated financial services. It offer several strategies and plan that allow
individual or companies to attain all possible financial goal in a systematic manner.
Benefits of Wealth Manager

When you know where you stand, it becomes very easy to take decisions for investments
and financial plans. A wealth manager can be of great support in providing the current status
of your finances and offering a detailed analysis of your financial health.

A professional wealth manager brings a set of multi-disciplinary skills to the table, and
greatly helps with allocating assets, tax optimization, savings goals, retirement, and
passing assets to the next generation.

They help you determine the allocation of investments based on life’s realities, help
you prepare for your retirement, help you with inheritance issues and transfer of
assets, help you preserve and manage wealth, and so on.

A professional wealth manager can simplify confusing financial markets, and help you
differentiate between good and bad investments.

No matter what level of assets you have, a wealth manager can help you in taking
decisions for your charities and earning tax benefits out of it.

Comprehensive wealth management involves long-term strategic planning of your

financial goals. A wealth manager effectively aligns your plans and objectives, and
creates a road map based on your financial status, and sets realistic goals and
strategies for the business to achieve your targets.

Here Is Four Steps Of Financial Process

RISK PROFILING:

Through a simple, easy-to-answer questionnaire, they try to gauge their risk appetite.
Your investment decisions should be dominated most heavily by how much risk you
are willing to take. Depending on their risk appetite, the specific instruments required
to fulfill all their needs across various time periods will be identified.

NEED ANALYSIS:

It identifies all their prospective financial requirements and liabilities. These may range
from buying a car to sending their kid for education abroad.
MAPPING YOUR RISK PROFILE WITH NEEDS:

To fulfill the needs, the right asset allocation mix has to be identified. Investments have
to be embarked for their needs, depending on risk profile. It aims for right asset
allocation mix for your investment through this exercise.

IDENTIFYING THE RIGHT INVESTMENT INSTRUMENTS:

It provides a wide variety of investment instruments like MUTUAL FUNDS, FIXED

INCOME BONDS, RBI BONDS, PRINCIPAL PROTECTION PLAN, etc. Bank has

tie –ups with a variety of mutual funds for investment suitable for us. Their unique
proprietary research cherry-picks the best mutual funds in various funds in various risk
categories to enable us to take an informed decision
BENEFITS OF WEALTH MANAGER

Wealth management can help you determine what's really important to you, then
develop actionable strategies to help you realize your most cherished hopes and
defend against the things that might undo them.

Income and Lifestyle

Through an in-depth discovery process your Financial Advisors will work with you to
understand and document what you want to do in this lifetime, from now until
retirement and from then on. They'll then map out a course to help you seek the returns
you'll need for how you intend to live and to achieve the income you'll need to do
exactly what you want one year at a time and, if they like, strategies to guarantee that
income.

Borrowing

They view borrowing as a strategy — an array of ways to unlock value in assets you
own, without compromising the ability of those assets to continue to work for you over
time.

If such talk of strategy sounds like how most firms talk about investing, it should. They
believe how people invest and how they borrow is inextricably linked — both sides of
one balance sheet, one plan.

Asset Protection

By understanding the lifestyle you enjoy, and the one you're building toward, your
Financial Advisor can see the threats against it — taxes, inflation, volatility, creditors,
lawsuits, identity thieves, tragedy — and help you deal with them using everything in
the arsenal of one of the world's largest financial services firm.

Wealth Transfer

Your Financial Advisor will approach your plan for wealth transfer from a wider angle
than a traditional estate plan. They work with you to understand your definition of a rich
life, and then craft a plan to help you lead it and pass on what you see as most
important to the next generation.

Your advisor will approach your plan for wealth transfer from a wider angle than a
traditional estate plan. They work with you to understand your definition of a rich life,
then craft a plan to help you lead it and pass on what you see as most important to the
next generation.

This might mean a passion for education, or a sense of obligation for each generation
to help give the one that follows a leg up in life or both. It could mean protecting a work
ethic and thirst for accomplishment, or protecting your family's bonds of affection
toward one another. Whatever it is, it should start with your definition of a rich life.

Investment Management

They believe that your plan for your life is the most important part of investing. Little
things...like when you plan to retire — and when you secretly hope to retire. The
business you'll open when you do. How much you'd like to travel. And the aging parent
who will need to move in with you in the next few years.

Investing with a Financial Advisor is based on the simple yet potheyrful premise of
wealth management: Your investments and your life are uniquely intertwined. Whether
by design or by accident, they are all part of one plan. they advise that it be by design.

Business Strategies

As you lead your business toward its next stage — whatever that stage may be —
you'll be pleased to learn that your Financial Advisor understands the connection
between your business and your life. They are one and the same.

Their clients tell us that seeing this bigger picture makes all the difference between us
and what they used to expect from a financial firm — in how they think, how they plan
and in the scope of what they do. From their standpoint, it's simply a matter of
treating your business like it's the biggest investment of your life, if for no other
 [Type text]

LIFE INSURANCE

Life insurance is a protection against the loss of income that would result if the insured passed away.
The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact
of the death of the insured. The goal of life insurance is to provide a measure of financial security for
your family after you die. So, before purchasing a life insurance policy, you should consider your
financial situation and the standard of living you want to maintain for your dependents or survivors.

GOLD :- Gold is a favourite investment by all and sundry in

India. High liquidity and inflation-beating capacity are its strong selling points, not to mention
beauty,

prestige and so on. Though, there are phases when markets witness a fall in gold prices, it
never lasts andalways makes a strong comeback.

WHY TO INVEST IN GOLD?

Safety, Liquidity and Returns are the three criteria most conventional investors look for before
making any investment. While gold meets the first two criteria swimmingly, it doesn’t do badly at the
last one either. Here are two main reasons why you should invest in gold:

Gold investment is worthwhile because it is an inflation-beating investment. Over a period of

time, the return on gold investment is in line with the rate of inflation.

Gold has an inverse relationship to equity investments. Example, if the equity markets start
performing poorly, gold too would have performed well. Considering gold as an investment option
in your investment portfolio will be a buffer to the overall volatility of your portfolio.

2. How to Invest in Gold

The ‘Golden question’ here is, how does one invest in gold. Traditionally, it was by buying physical
gold in the form of coins, bullions, artifacts or jewellery. Nowadays, there are more advanced forms
of gold investments such as Gold ETFs (exchange-traded funds) and Gold Funds.
[Type text]

Gold ETFs are similar to buying an equivalent sum of physical gold but without the hassles of having
to securely store the physical gold. Here, there is no risk of theft/burglary as the gold is in Demat
(paper) form. Gold Funds involve making an investment gold mining companies.
understand different ways of investing in Gold from the table below:

Gold Gold ETFs (Exchange Traded Gold Funds

Funds)

Investment in physical gold Investor buys a proportionate The investment is made in

value of gold but not in the bullion and companies
physical form involved in mining gold

No need for Demat account The investor No need for a Demat

needs a Demat account toinvest
account

Market fluctuations Changes in the gold prices Changes in the gold

directly affect the affect that of Gold ETFs prices
prices of Gold
doesn’t affect Gold funds
directly

No additional charges other Gold ETFs involve There’s a minimum charge

than the physical gold itself asset management to
and brokerage fees
manage the gold funds.
[Type text]

Risks of theft and burglary Gold ETFs remove the Eliminates the risk of theft/
associated with burden of trading gold in the burglary and buffers
storin physical form investments to changing
g physical gold market fluctuations

No paperwork required for Paperwork required for Paperwork is required for

investing investingin Gold ETFs investing in Gold funds

Systematic Investment No SIP option SIP available

Plan (SIP) not
available

Best suited for Best suited for investors who Best suited for investors who
conventional investors have the required time and skill expect high returns taking
set to trade calculated risks

consider your financial situation and the standard of living you want to maintain for your
dependents or survivors.
 [Type text]

MY ROLE IN COMPANY

As a member of the company, it was my responsibility to find new HNI clients and find new ways to how
can we reach them or how can we find more HNI clients.

Contributing is a method of accumulating wealth, but it is not limited to the wealthy. Anyone may begin
contributing, and many customizable vehicles make it easy to start with small amounts and eventually
develop a portfolio. Indeed, what distinguishes giving from betting is that it takes investment patience.
Contributing is the act of providing cash or money to an endeavor in exchange for an additional income or
reward. Venture capital is essential for achieving financial goals and providing a buffer against potential
unexpected expenses.

Task performed

Wealth Management

To find out there investments and help them to save tax by investing

in mutual funds..

ACTION PLANS

To find out new HNI clients through various platforms like Linked in, Real estate investments they made in
past and try to find out how can we reach them to convert it into the lead.
[Type text]

OTHER ASSEST CLASSES

REAL ESTATE:- The real estate sector is one of the most globally recognized sectors. Real estate
sector comprises four sub sectors - housing, retail, hospitality, and commercial. The growth of this
sector is well complemented by the growth of the corporate environment and the demand for office
space as well as urban and semi-urban accommodations.

It is also expected that this sector will incur more non-resident Indian (NRI) investments in both the
short term and the long term. Bengaluru is expected to be the most favoured property investment
destination for NRIs, followed by Ahmedabad, Pune, Chennai, Goa, Delhi and Dehradun.

The Indian real estate sector has witnessed high growth in recent times with the rise in demand for
office as well as residential spaces. Between 2009-18*, Indian real estate sector attracted
institutional investments worth US$ 30 billion. Private Equity and Venture Capital investments in the
sector reached US$ 4.47 billion in 2018 and US$ 546 million in Jan-Feb 2019.

Different type of assest classes

ASSET CLASSES

• Gold • Equity • Debt • Real Estate

 [Type text]

CHARACTERSTICS OF EQUITY, DEBT, GOLD, REAL ESTATE

CHARACTERSTICS EQUITIES DEBT GOLD REAL ESTATE

RISK HIGH LOW/MODERATE HIGH HIGH

AVERAGE RETURN 15-20% 8-10% MARKET MARKET

LINKED LINKED
LIQUIDITY HIGH LOW HIGH LOW

MINIMUM AMOUNT 500 500 1gm Current

marke
t price of the
property
TIME HORIZON LONG TERM SHORT TERM LONG TERM LONG TERM

TAXATION TAXABLE TAXABLE TAXABLE TAXABLE

FAQ
[Type text]

CHAPTER 3

PRESENTATION OF DATA OBJECTIVE:-

o To understand the basics of investment and various

alternatives that is available with the investor. o Also to understand the customer psychology of
investments and what are the various objectives behind the investment.

TYPES OF RESEARCH DESCRIPTIVE IN NATURE-

The descriptive research design is one that describes the things such as the market potential for a
product or the demographics and attitudes of customers who buy the product. It includes
questionnaire survey and fact finding inquiry.

SAMPLE DESIGN

SAMPLE UNIT: Pune Only

SAMPLE SIZE: 70
 [Type text]

SAMPLE SELECTION: RANDOM, CONVENIENT

SOURCES OF DATA COLLECTION PRIMARY DATA COLLECTION:

Primary data was collected through questionnaires. Refer to the appendix for the data.

SECONDARY DATA COLLECTION:

Secondary sources through – Internet

ANALYSIS AND INTERPRETATION

Q1 What is your age group ?

 [Type text]

ag
7.50 1.50 e
% %

below
14.9 20
0%
20-30
17.9 58.2
0% 31-40
0%
41-50

According to the survey, maximum number of people belongs to the age group of 20-30 years. So
they can say that most of the respondents will be willing to take risk and make investments in the
market instruments with moderate risk.

Q2 What is your gender ?

SEX

41.80%

58.20% Male
Female

There is majority of respondent are male.

[Type text]

Occupation
1%
3%
7.60%

student
Business
43.90%
Retired
Job
36.40%
House wife
self employed
other

3% 4.50%

The above graph shows the occupation of the sample

respondents. 43.9% of the respondents belong to the
category of student.
36.4% of the respondent belong to the category of salaried
person.4.5% of the respondents are into Business.
3% of the respondent are
retired. 3% of the respondent are
housewife.
7.6% of the respondent are self
employed. 1% of the respondent are from
other category.
[Type text]

Q.3) What is your monthly income?

Income
3%
7.50%

20.90% 41.80% less than 20K

20 - 50 K
50K-1lakh
1-5lakh
26.90% more than 1lakh

Maximum respondent are having income less than 20 thousand monthly.

Q 4. What is your monthly saving ?

Saving
4.50%

17.90%
34.30%
less than 1000
1001-5000
17.90% 5001-10000
10000-1lakh
25.40% more than 1lakh
[Type text]

Q5. Awareness about wealth management?

19.40%

Yes
No
80.60%

Q6. Do you do financial planning ?

Column1

16.40%

22.40% Yes
61.20% No
May be
[Type text]

Q7.How do you take your financial decision?

Column1
1.50% 3%

7.50% 11.90% 22.50%

Word of mouth
1.50%
independently
broker
advice from CA
70.10% Financial Advisior
internet research

Q8. Are you satisfied with present saving/investment plan ?

Column1

40.30%
Yes
No
59.70%
[Type text]

Q 10 Aspect Consideration Before investment?

Column1
6% 3% 13.40%

28.40% Less than 20

20-25
25-30
49.30%
30-35

Q 11Most important in investment ?

Column1
7.50%

10.40%
Return
Safety of principal

53.70% Diversification
28.40% liquidity
[Type text]

Gold 26.90%

Real Estate 28.40%

Mutual funds 38.80%

Equity 20.90%

Debenture 4.50%

Bank Deoposit 67.20%

0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00%

Q.13) Attitude towards investment

highly risky
4.50%

risky
28.40%

modrately risky
78.40%

0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00% 90.00%
[Type text]

Q.14) Goal of investment ?

Column1

4.50% 10.40%
Retirement
13.40% 46.30%
Children Education
Buying House

16.40% Buying Car

Medical Insurance
9%
Other

Q.15) Investment Horizon?

Column1
1.50% 4.50%

7.50%
28.40% less than 5yr
14.90% 5-10yr
10-15yr
15-20yr
13.40%
20-25yr
29.90%
25-30yr
more than 30yr
[Type text]

CONCLUSION

FINDING

After going through my training program and survey, I came to know all about
different aspects of investment strategies for mutual funds, stocks, derivative
etc. India is an emerging market. Consumption level is increasing with increase
in income level.

Majority of people approximately 46.3% have retirement has as a goal of

investment so we can give them mutual fund as SWP (SYSTEMATIC
WITHDRAWAL PLAN) as mutual fund scheme.

78.10% respondent refers to bank deposit as safe investment so we can pitch

them alternate investment option with higher interest like mutual fund which is
having better return on long horizon that is of 5 to 10 years with less risk.

70.10% do investment on there own so we can provide them financial advisiory

scheme of karvy wealth management scheme.

18 respondent out of 67 i.e. 26.9% are preferred investment is gold so

we can convince them to change there investment to GOLD MUTUAL FUND
where they can get a benefit of no making charge on it and easily into cash
whenever there is a need.
[Type text]

BIBLOGRAPHY
WEBSITES
https://www.moneycontrol.co
m
AnandRathi Competitors and
Alternatives - Owler

Stock/Share Market
Investing - Live BSE/NSE,
India Stock Market
Recommendations and Tips,
Live Stock Markets,
Sensex/Nifty, Commodity
Market, Investment Portfolio,
Financial News, Mutual
Funds (moneycontrol.com)