RESEARCH METHODOLOGY

 FINDINGS:-

1. The age group of 21-30 years is investing in mutual funds as they are a good risk taker
in their young age.
2. Large number of respondents are not investing in mutual funds as they presume higher
risk in mutual fund investment.
3. Investors who have invested in mutual fund have a partial knowledge of their
investments as an investor.
4. Nature of fund is considered as a most important factor while selecting for mutual fund.
Nature of fund means whether mutual funds are open-end funds, unit investment trusts,
and closed-ended funds equity funds, balanced funds, etc.
5. People generally like invest only 10-20% of their total saving in mutual funds through
Systematic Investment Plan.

 LIMITATIONS OF THE STUDY: -

1. Most of the respondents are not ready to share their true information.
2. The study has not been conducted over an extended time period considering both market
ups and downs. The market state has a significant influence on the buying techniques and
preferences of investors. The study cannot capture such situations.
3. The study is limited to the investors of Jaipur city; therefore, the inferences cannot be
generalized.
SUGGESTIONS :-

1. The mutual fund product designers have to craft strategies to introduce Innovative
products to improve the scope of the mutual funds market.
2. To increase the loyalty and trust among the investors, proper information and
knowledge should be provided to them.
3. Financial consultants must ensure transparency and responsibility and they should be
capable of catering the needs of the retail investors as well as marketing the mutual fund
products.

 INSTRUMENT: -

1.Questionnaire Method around the locals by means of google forms.

Targeted city – PATNA.
Targeted age group -18-50
2.Graphical and pictorial representation of collected data.
3.Listing of data .
 RESEARCH QUESTIONAIR DATA

Q1. Which kind of investment is more probably used ?

- According to the data collected we can clearly see that our investors invest in mutual
funds, shares/ debentures, FD (fixed deposits) etc.
TYPE INVESTORS
MUTUAL FUNDS 15
SHARES / DEBENTURES 5
FIXED DEPOSITS 8
OTHERS 5

mode of investment
Mutual Funds Shares / debentures
Fixed Deposit Others

15%
40%
24%

15%
Q2. WHICH FACTOR IS MOST PREFRRED BY THE INVESTOR?
- According to the data collected we can clearly see that our investors like to have
liquidity, high return and low return in their minds while making investments.

INVESTING TYPES

22.5
20

17.5

12.5

8
7.5 7

2.5

Category 1

LIQUIDITY 8 NaN NaN NaN

HIGH RETURN 20 NaN NaN NaN
LOW RETURN 7 NaN NaN NaN

Q3. HOW CAN WE GET INFORMATION ABOUT THE MUTUAL FUNDS ?

- Mainly several banks ,internet sites, social media apps promote mutual funds or other
investments funds.
- We can all types of data regarding the particular fund on the web or can also ask our friends
and relatives who have idea of investing and are investing on regular basis.

Q4. WHICH TYPE OF INVESTMENT PLAN IS PREFERRED AND FOR HOE MANY YEAR
THE MOST ?
- Investors can make investments in two mode one that is one time investment in it investors
pay all the investment amount at the begging and wait for its maturity and the other is
periodically investment in it investors pay the premium periodically it can be on month
period or half yearly or yearly basis till the period he selects .
- Mainly investors prefer to invest for 4 to 5 years or 5 to 10 years as the rate of return will be
more as the investment period increases.
Q5. IN WHICH FACTORS MOST OF THE FUNDS ARE BEING INVESTED ?
- Investors used to invest in public or private mutual funds according to their choices and
preferences, public mutual funds are mainly used by the most.
- Investors mainly invest in gold, oil and petroleum ,real state and banking sector funds . Our
research tell us that most investors choose gold , real state , and banking sectors funds.

INVESTING SECTOR INVESTORS

GOLD 8
REAL ESTATE 8
OIL AND PETROLEUM 3
BANKING SECTOR 13

INVESTING SECTOR

GOLD; 8

BANKING SECTOR; 13

REAL ESTATE; 8

OIL AND PETROLEUM; 3