CHAPTER 1:

INTRODUCTION

Project Overview

Investing, broadly, is putting money to work for a period of time in some sort of project or
undertaking in order to generate positive returns (i.e., profits that exceed the amount of the initial
investment). It is the act of allocating resources, usually capital (i.e., money), with the expectation
of generating an income, profit, or gains.

One can invest in many types of endeavors (either directly or indirectly) such as using money to
start a business, or in assets such as purchasing real estate in hopes of generating rental income
and/or reselling it later at a higher price.

Investing differs from saving in that the money used is put to work, meaning that there is some
implicit risk that the related project(s) may fail, resulting in a loss of money. Investing also differs
from speculation in that with the latter, the money is not put to work per-se, but is betting on the
short-term price fluctuations.

1.2 Purpose of Investment

One person may want to save up to buy their first house, another person may want to build a
retirement fund, while yet another investor may want to financially secure their family. Since
goals are so personal and unique, there’s no one-size-fits all investment plan. So, you need

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to figure out what the purpose of investment is for you, and then create an investment plan
accordingly.

o The primary purpose of investing is to create wealth.

o Investments allow you to meet your short-term and long-term goals.
o They also help you lead a comfortable life post-retirement.
o Investing ensures that you’re prepared for unforeseen emergencies.
o Investments like equity can protect your money against the effects of inflation.
o Another great reason to invest is to reduce your tax burden

1.3 Definition of Investment

An investment is an asset or item acquired with the goal of generating income or appreciation.
Appreciation refers to an increase in the value of an asset over time. When an individual
purchases a good as an investment, the intent is not to consume the good but rather to use it in
the future to create wealth.

An investment always concerns the outlay of some resource today—time, effort, money, or an
asset—in hopes of a greater payoff in the future than what was originally put in. For example,
an investor may purchase a monetary asset now with the idea that the asset will provide income
in the future or will later be sold at a higher price for a profit.

1.4 You Stay Ahead of Inflation

If you don’t invest and grow your money, you’ll actually end up losing money over time. This
is all thanks to inflation.

Inflation is the general increase in prices that happens every year and the decline in purchasing
power of your money. The rate of inflation can vary widely but historically inflation has
averaged to around 3%.

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If you invest your money and say, earn a rate of return of 7% on average, then you’ll stay way
ahead of inflation and will be to increase the value of your money.

But if you don't invest - both your wage rate and your savings return rate wouldn't keep up.
Basically, the cost of goods you buy (like food, gas, housing) would rise and any additional
money you make would simply be offset by these higher prices.

Investing Will Help You Build Wealth

There are a hundred and one ways to invest and grow your money. If you’re serious about
building wealth then you need to create an investing plan that suits you and your goals.

It can be hard to put money away in investments when you don't have a lot of money to begin
with. But here are some ways that you can start investing with little money.

Investing Will Get You to Retirement (Or Early Retirement)

In order to have enough money to retire you need to make your money work for you. Like we
illustrated above, leaving your money sitting in savings will actually work against you!

The more you invest the more you’ll be able to take advantage of the power of compound
interest.

Compound interest is what happens when your interest starts earning interest.

Invest To Meet Other Financial Goals

You can also consider investing to help grow your money to meet other financial goals. For
instance, investing in your child’s college fund.

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When you have a long term goal of ten or more years it may make sense to invest that money
to help you reach your goal faster!

There are many benefits of investing. If you want to create financial stability, grow your
wealth, and stay on track for retirement you need to come up with an investing plan that suits
your needs.

Step involved In Investment

Step 1- Understanding the Client

The first and the foremost step of investing process is to understand the client or the investor
his/her needs, his risk taking capacity and his tax status. After getting an insight of the goals
and restraints of the client, it is important to set a benchmark for the client’s portfolio
management process which will help in evaluating the performance and check whether the
client’s objectives are achieved.

Step 2- Asset Allocation Decision

This step involves decision on how to allocate the investment across different asset classes, i.e.
fixed income securities, equity, real estate etc. It also involves decision of whether to invest in
domestic assets or in foreign assets. The investor will make this decision after considering the
macroeconomic conditions and overall market status.

Step 3- Portfolio Strategy Selection

Third step in the investment process is to select the proper strategy of portfolio creation.
Choosing the right strategy for portfolio creation is very important as it forms the basis of
selecting the assets that will be added in the portfolio management process. The strategy that
conforms to the investment policies and investment objectives should be selected.

There are two types of portfolio strategy.

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 1. Active Management Process

2. Passive Management Process

Active portfolio management process refers to a strategy where the objective of investing is
to outperform the market return compared to a specific benchmark by either buying securities
that are undervalued or by short selling securities that are overvalued. In this strategy, risk and
return both are high. This strategy is a proactive strategy it requires close attention by the
investor or the fund manager.

Passive portfolio management process refers to the strategy where the purpose is to generate
returns equal to that of the market. It is a reactive strategy as the fund manager or the investor
reacts after the market has responded.

Step 4- Asset Selection Decision

The investor needs to select the assets to be placed in the portfolio management process in the
fourth step. Within each asset class, there are different sub asset-classes. For example, in
equity, which stocks should be chosen? Within the fixed income securities class, which bonds
should be chosen?

Also, the investment objectives should conform to the investment policies because otherwise
the main purpose of investment management process would become meaningless.

Step 5- Evaluating Portfolio Performance

This is the final step in the investment process which evaluates the portfolio management
performance. This is an important investing process step as it measures the performance of
the investment with respect to a benchmark, in both absolute and relative terms. The investor
would determine whether his objectives are being achieved or not.

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 CHAPTER 2:

COMPANY PROFILE

2.1 About Company

Agile Capital Services is the choice of many reputed Multinational Organizations and
businesses because of its commitment to deliver best results. ACS pride itself with the
reputation of being the trusted and reliable talent acquisition partner as well as providing expert
guidance. towards achieving financial independence to its clients. We are having experts who
are providing consultancy services regarding financial and investment sector to individual so
that they can secure financial future of themselves and their family. Providing the professional
and expert advice in wealth maximization, career planning and bridging the gap between the
job seeker and talent seeker. Our experts provide financial advice in the simplest way possible
because we believe in managing wealth in less complicated way.

Agile Capital Services Is One Of India's Emerging Consulting Firm. At Agile Capital,
We Provide Wealth Management Services to High and Ultra High-Net-Worth
Individuals.

Our highly trained and specialized team engage with clients from across the country as well as
those based abroad. in addition to our custom-designed solutions, we focus on 'un
complicating' the entire process of investment for each client. our focus on building long-term
relationships defines our business. our advisory backed by a strong product and research team,
underscores the unmatched value of the ACS proposition.

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At AGILE CAPITAL, we cater to financial needs of individual and corporate clients.

• Ensure good working environment viz., cleanliness and good housekeeping.

Agile Capital Services provides equal opportunity to its employees.

There is no discrimination based on:

• Race

• Color

• Sex

• Age

• Religion

-There is always work place autonomy.

-There is always right job for the right person.

-Career advancement will happen on continual basis.

2.3 SWOT Analysis

A SWOT analysis is a framework that is used to analyses a company’s competitive positioning

in its business environment. This can be used by agile capital service, and will involve the
identification of its internal Strengths (S) and Weaknesses (W) followed by the identification
of the Opportunities (O) and Threats (T) it faces in its business environment. For a SWOT
analysis to be conducted of the firm, an interactive process needs to be undertaken by
coordinating among all the departments of the firm such as finance, marketing, operations,
human resource, logistics, strategic planning, management information systems etc.

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The main objective of the SWOT analysis is to help in identifying the strategies that can be
used by the company to build on its strengths, eliminate its weaknesses while making the most
of opportunities and countering threats.

Strengths of Agile Capital Services Private Limited

• Cost Structure: Agile capital Services Private Limited’s low-cost structure helps it
produce at a low cost and sell its products at a low price, making it affordable for its
customers.
• Dealer Community: Agile capital Services Private Limited has a strong relationship
with its dealers that not only provide them with supplies but also focus on promoting
the company's products and training.
• Agile capital Services Private Limited has a large asset base, which provides it with
better solvency.
• Skilled Labor force: Agile capital Services Private Limited has invested extensively
in the training of its employees that has resulted in it employing a large number of
skilled employees.
• Agile capital Services Private Limited has a diversified workforce, with people of many
geographical, racial, cultural and educational backgrounds that help the company by
bringing in diverse ideas and methodologies of doing things.

Weaknesses of Agile Capital Services Private Limited

• Research and Development: Even though Agile capital Services Private Limited is
spending more than the average research and development expenditure within the
industry, it is spending way less than a few players within the industry that have had a
significant advantage as a result of their innovative products.
• Low current ratio: The current ratio that shows the company’s ability to meet its short
term financial obligations, is lower than the industry average. This could mean that the
company could have liquidity problems in the future.

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 • Cash flow problems: There is a lack of proper financial planning at Agile capital
Services Private Limited regarding cash flows, leading to certain circumstances where
there isn’t enough cash flow as required leading to unnecessary unplanned borrowing.

Opportunities of Agile Capital Services Private Limited

• Internet: There has been an increase in the number of internet users all over the world.
This means that there is an opportunity for Agile capital Services Private Limited to
expand their presence online; by using the internet to interact with its customers.
• Technological developments: Technology comes with numerous benefits among
many departments. Operations can be automated to reduce costs. Technology enables
better data to be collected on customers and improves on marketing efforts.
• Population: The population has been growing and is expected to grow at a positive
rate for the upcoming years. This is beneficial for Agile capital Services Private
Limited as there will be an increase in the number of potential customers that it can
target.
• Tax policy: The governments’ reduction in tax rate is beneficial for Agile capital
Services Private Limited as a lower amount would be expensed out as a tax.
• Globalization: Increased globalization does not restrict Agile capital Services Private
Limited to its own country. It can extend its operations to other countries, entering into
these markets and making use of the opportunities that lie in these markets.

Threats of Agile Capital Services Private Limited

• Technological developments by competitors; New technological developments by a

few competitors within the industry pose a threat to Agile capital Services Private
Limited as customer attracted to this new technology can be lost to competitors,
decreasing Agile capital Services Private Limited’s overall market share.
• New entrants: There have been numerous players that have entered the market and are
gaining market share by gaining existing companies’ market share. This is a threat to
Agile capital Services Private Limited as it can lose its customers to these new entrants.

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• Increasing competition: There has been an increase in competition within the industry
putting downward pressure on prices.
• Substitute products available are also increasing, which is threat collectively for the
whole industry as consumption of current products decrease.
• Constant technological developments require the workforce to be trained accordingly
as the inability to keep up with these changes can lead to loss of business for Agile
capital Services Private Limited.

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 CHAPTER 3:

LITERATURE REVIEW

• Amaraveni. P & Archana M (2017)

The objective of this study was to determine the various alternative investments and the factors
while selecting the investment avenues and This study also focus on the relationship between
the savings and investment patterns among preferred investor’s behavior towards
investment Avenues of the individual investors of Warangal city by different age group.
The data collected through structured questionnaire administered to 100 respondents working
in different sectors at Warangal city. It was found from the analysis that there is relationship
between Annual Savings and Age, Income, Sector wise Employment, Education of people at
Warangal city. Analysis has been done through various statistical tools i.e. simple percentages,
ranking and Chi Square test etc. The study finds that there is a significant relationship
between the income of the respondents and the objectives of investment.

• People’s Preferences In Investment Behaviour Bibliographic Review

By [Link] Sundari , [Link] & [Link]

(Vol-2 Issue-2 2016, IJARIIE-ISSN(O)-2395-4396)

There are a lot of investment choices and one must select the most appropriate one. The person
dealing with the planning must know all the various investment choices and how these can be
chosen for the purpose of attaining the overall objectives. The details of making the investment
along with the various ways in which the investment has to be maintained and managed. The
expectations of the investors, their perception towards various products/ investment avenues,
their current pattern of investment have to be understood to serve them well and also to offer
better products. Hence this study has been done with an objective to find out the investment
pattern of investors in various investment avenues offered in the Indian financial system. The
findings of the study are that the investors are aware of different modes of investment but the
prime motive for investment is tax benefit. The study shows that the investor’s current

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preference of investments is in the order of life insurance policy, bank deposits, investments
in shares and national savings certificates.

• An Analysis of Investors Perception Towards Different Financial Assets -

A Study in Odisha

By Mr Asis, Kumar Sahu, Gouri Sankar Lall

(December 2021, volume 8, Issue 12, ISSN -2349-5162)

This paper analyses the perception of investors towards various investment avenues. The main
objective of the study is to measure the impact of demographic factors on the investor's choice
of investment and to identify the difference in various objectives, Influence sources and
investor's behaviour as per the investment pattern. The study was conducted in Odisha with a
sample size of 220 respondents. Descriptive research design was adopted for the study and the
primary data was collected through the help of a structured questionnaire method and the
sampling technique adopted was Convenience sampling technique. Data was analyzed and
interpreted with the help of statistical tools like Mean, Chi-square test, one way ANOVA and
Post-hoc test. The study concludes that investments made by the investors towards various
investment avenues is affected by age, occupation, and income but there is no significant
association between education qualification & gender with choosing investment avenues. The
study further concludes that the investors have a significant difference in behaviour, objectives,
and decision-making influential person as per their investment pattern and avenues.

• A study on relevance of demographic factors in investment decisions

By N. Geetha, M. Ramesh

(Volume 10, Issue 1, 2012ISSN 1804-0519 (Print), ISSN 1804-0527 (Online) )

This study attempts to find out the significance of demographic factors of population such as
gender, age, education, occupation, income, savings and family size over several elements of
investment decisions like priorities based on characteristics of investments, period of
investment, reach of information source, frequency of investment and analytical abilities. The

12
study was made by conducting a survey in Nagapattinam district of Tamilnadu, South India
and the statistical inferences were deduced using computer software tools. The study reveals
that the demographic factors have a significant influence over some of the investment decision
elements and insignificant in others elements too. The study also discloses a general view of
investors perception over various investment avenues.

• A Study on Factors Influencing Youngsters’ Perceptions towards Choice

of Investment Avenues

By Gowtham Ramkumar

(i-manager’s Journal on Management, Vol. 12,No 3, December2017-

February2018)

Financial system plays an important role in the economic growth of the country. Afresh
investor considers various factors before deciding his or her investment avenue. Similarly, a
youngster who is considering of investing his savings will choose an investment option
depending on his perceptions about various investment options. The study seeks to find out the
various factors influencing youngsters' investment decisions. In other words, the study
attempts to identify the factors that will be considered by the youngsters before they decide
their investment avenue. The data required for the study is collected from 100 youngsters in
Chennai city. SPSS21 version is used to analyze data and reliability analysis is used to test the
validity of the variables considered for the study, and factor analysis with Varimax rotation is
used to group various factors influencing the youngsters' choice of investment avenues. The
study comes out with five major factors influencing youngsters' choice of investment avenues.
The reliability analysis shows 0.802 indicating good reliability of the scores generated by the
variables used for the study.

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 CHAPTER 4:
OBJECTIVE AND SCOPE OF STUDY

The main objectives of this study are:

1. To Keep Money Safe

2. To Help Money Grow
3. To Minimize the Burden of Tax

Scope

The present study is limited to the particular area. This study tries to identify the factors that will be
considered by the youngsters if they decide to invest in various investment options available. The
study considers variables considered by the investors to identify the factors influencing youngster
perception towards investment avenues.

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 CHAPTER 5:

RESEARCH METHODOLOGY

3.1 Research methodology

A Research Methodology defines the purpose of the research, how it proceeds, how to measure
progress and what constitute success with respect to the objectives determined for carrying out
the research study.

3.3 Sample Size

The sample size used in this study is 50.

3.4 RESEARCH DESIGN

The research design used in this research study is Exploratory Research.

3.5 METHODS OF DATA COLLECTION

The collection method used in this research is Primary Data.

3.6 SAMPLING TECHNIQUE

In this research we have used the non-probability sampling.

The type of non-Probability sampling method used is Convenience Sampling.

3.7 Sampling Frame

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Sampling frame is the employees of the organization.

3.8 TOOLS USED

• Pie Charts

• Percentage

3.9 TYPE OF QUESTIONNAIRE

The type of questionnaire used is Self- Administered.

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 CHAPTER 6:

DATA ANALYSIS

Q1 Which statement best describe your knowledge of investments?

Figure 1: Pie chart for your knowledge of investments

[Link] Particulars Number of Respondents Percentage

1. Very good 20 40%

2. Good 13 26%

3. Acceptable 15 30%

4. Poor 2 4%

5. Very poor 0 -

TOTAL 50 100%

Table 1: Opinion on knowledge of respondents on investment

Interpretation

The above pie chart and table shows that, 40 % (20) of respondents, have excellent knowledge
about investment and 26% (13) of respondents have good knowledge about investment and
30% (15) of respondents have less knowledge as compared to the 30% and remaining they
don’t know about investment.

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Q2 how would you classify your overall financial situation?

Figure 2: Pie chart on overall financial situation

[Link] Particulars Number of Respondents Percentage

1. Excellent 22 44%

2. Very good 17 34%

3. Good 9 18%

4. Fair 2 4%

5. Poor 0 -

TOTAL 50 100%

Table 2: Opinion on overall financial situation of respondents

Interpretation

The above pie chart shows that the 44% (22) of respondents belong to the excellent financial
situation and 34% (17) are very good in financial situation but less than the 44% and 18% (9) are
good and remaining 4% (2) are fair in financial situation .

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Q3 when you face with a major financial decision, are you concerned about the possible losses or
the possible gains?

Figure 3: Pie chart on concern about possible losses or gains

[Link] Particulars Number of Respondents Percentage

1. Always the possible losses 20 40%

2. Usually the possible losses 15 30%

3. Usually the possible gains 8 16%

4. Always the possible gains 7 14%

TOTAL 50 100%

Table 3: Opinion on concern of respondents over possible losses or gains

Interpretation

The above pie chart and table shows that, the 40% (20) are always concerned about the possible
losses and the 30% (15) are usually about the possible losses and 16% (8) are usually about
the possible gains. The 14% (7) are always about the possible gains.

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Q4 how long are you looking to invest your money for?

Figure 4: Pie chart on time period one want’s to invest the money

[Link] Particulars Number of Respondents Percentage

1. 0-5 years 18 36%

2. 5 years plus 18 36%

3. Up to 10years 10 20%

4. Open term 4 8%

TOTAL 50 100%

Table 4: Opinion of respondents on how long they want to invest money

Interpretation

The above pie chart shows that the 36% (18) respondents are looking to invest their money for the
time period 0-5 years and same number of respondents want to invest their money for the time
period of 5 years plus and 20% of respondents are going with the up to 10 years and remaining 8%
(4) are open term.

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Q5 how much money are you approximately looking to invest? (In rupees)

Figure 5: Pie chart on approximate amount one want to invest

[Link] Particulars Number of Respondents Percentage

1. Less than 10000 15 30%

2. 10000-50000 23 46%

3. 50000-100000 6 12%

4. More than 100000 6 12%

TOTAL 50 100%

Table 5: Opinion of respondents on amount they want to invest

Interpretation

The above pie chart shows that the 30% (15) respondents are going to invest their money with the
amount of less than 10000 and 46% (23) respondents want to invest their money of 10000-50000
and 12% (6) want to invest their money of 50000-100000. And remaining respondents are going to
invest their money with the amount of more than 100000.

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Q6 I would enjoy exploring investment opportunities for my money.

Figure 6: Pie chart on exploring new investment opportunities

[Link] Particulars Number of Respondents Percentage

1. Strongly agree 14 28%

2. Agree 9 18%

3. Neutral 16 32%

4. Disagree 9 18%

5. Strongly disagree 2 4%

TOTAL 50 100%

Table 6: Opinion on exploring new opportunities for investment

INTERPRETATION

The above pie chart shows that the 28% (14) respondents strongly agree to enjoy exploring
investment opportunities and 18% (9) respondents agree to enjoy exploring investment
opportunities. The 32% (16) respondents are neutral to enjoy exploring investment opportunities.
The 18% (9) respondents are saying disagree to enjoy exploring investment opportunities and
remaining 4% (2) are saying strongly disagree to enjoy exploring investment opportunities.

22
Q7 I would go for the best possible return even if there were risk involved.

Figure 7: Pie chart on risk taking for best possible return

[Link] Particulars Number of Respondents Percentage

1. Always 12 24%

2. Usually 17 34%

3. Sometimes 10 20%

4. Rarely 7 14%

5. Never 4 8%

TOTAL 50 100%

Table 7: Opinion on taking risk for best possible return

INTERPRETATION

The above pie chart shows that the 24% (12) respondents are always going for the best possible
return even if there were risk involved and 34% (17) respondents are usually going for the best
possible return even if there were risk involved and 20% (10) respondents are saying sometimes for
going for the best possible return even if there were risk involved. The 14% (7) respondents are
rarely going for the best possible return even if there were risk involved and remaining respondents
are never going for the best possible return even if there were risk involved.

23
Q8 how would you describe your typical attitude when making important investment decisions?

Figure 8: Pie chart on attitude of respondents while making important investment decision

[Link] Particulars Number of Respondents Percentage

1. Very adventurous 11 22%

2. Fairly adventurous 13 26%

3. Average 14 28%

4. Fairly cautious 10 20%

5. Very cautious 2 4%

TOTAL 50 100%

Table 8: Opinion on attitude of respondents when making important investment decision

INTERPRETATION

The above pie chart shoes that the 22% (11) respondents are very adventurous while describing their
typical attitude when making important investment decisions And 26% (13) respondents are fairly
adventurous while describing their typical attitude when making important investment decisions
and 28% (14) respondents are average while describing their typical attitude when making
important investment decisions and the 20% (10) respondents are fairly cautious while describing
their typical attitude when making important investment decisions and the remaining 4% (2)
respondents are very cautious while describing their typical attitude when making important
investment decisions.

24
Q9 what amount of risk do you feel you have taken with your past financial decisions?

Figure 9: Pie chart on amount of risk taken in past financial decisions

[Link] Particulars Number of Respondents Percentage

1. Very large 10 20%

2. Large 16 32%

3. Medium 15 30%

4. Small 6 12%

5. Very small 3 6%

TOTAL 50 100%

Table 9: Opinion on amount of risk taken in past by respondents

INTERPRETATION

The above pie chart shows that the respondents are very large 20% (10) who have taken risk with
the past financial decisions and the other respondents are large 32% (16) ) who have taken risk with
the past financial decisions and there are medium respondents 30% (15) ) who have taken risk with
the past financial decisions and there are small respondents 12% (6) ) who have taken risk with the
past financial decisions and remaining respondents are very small 6% (3) ) who have taken risk with
the past financial decisions.

25
Q10 when I consider investment that have an element of risk, I feel quite anxious.

Figure 10: Pie chart on being anxious while taking risk

[Link] Particulars Number of Respondents Percentage

1. Strongly agree 16 16%

2. Agree 17 34%

3. Neutral 14 28%

4. Disagree 8 16%

5. Strongly disagree 3 6%

TOTAL 50 100%

Table 10: Opinion on being anxious while taking risk

INTERPRETATION

The above pie chart shows that when investments have an elements of risk 16% (16) respondents
are strongly agree to feel anxious and 34% (17) respondents are agree to feel anxious when
investments have an elements of risk 28% (14) respondents are neutral when investments have an
elements of risk. 16% (8) respondents are disagree when investments have an elements of risk. 6%
(3) respondents are strongly disagree when investments have an elements of risk.

26
Q11 I am looking for high investment growth. I am willing to accept the possibility of greater
losses to achieve this.

Figure 11: Pie chart on accepting possibility of greater loss for high investment growth

[Link] Particulars Number of Respondents Percentage

1. Strongly agree 11 22%

2. Agree 15 30%

3. Neutral 19 38%

4. Disagree 4 8%

5. Strongly disagree 1 2%

TOTAL 50 100%

Table 11: Opinion on accepting possibility of greater loss for high investment growth

INTERPRETATION

The above pie chart shows that 22% (11) respondents are looking for high investment growth and
willing to accept the possibility of greater losses to achieve this and 30% (15) respondents are agree
for looking for high investment growth and willing to accept the possibility of greater losses to
achieve this. And 38% (19) respondents are neutral, looking for high investment growth and willing
to accept the possibility of greater losses to achieve this. The 8% (4) respondents are saying disagree
for looking for high investment growth and willing to accept the possibility of greater losses to
achieve this. The remaining 2% (1) respondents are strongly disagree for looking for high
investment growth and willing to accept the possibility of greater losses to achieve this.

27
Q12 if you had money to invest, how much would you be willing to place in an investment with
possible high returns but a similar chance of losing some of your money?

Figure 12: Pie chart on amount investing if there are chances for possible high returns and losses both

[Link] Particulars Number of Respondents Percentage

1. All of it 11 22%

2. More than half 20 40%

3. Half 13 26%

4. Less than half 3 6%

5. Very little, if any 3 6%

TOTAL 50 100%

Table 12: Opinion on amount investing if there are chances for possible high returns and losses both

INTERPRETATION

The above pie chart shows that they invest all of it their money 22% (11) respondents are willing to place an
investment with possible high returns but a similar chance of losing some of their money. They invest more
than half of their money 40% (20) respondents are willing to place an investment with possible high returns
but a similar chance of losing some of their money. They invest half of their money 26% (13) respondents
are willing to place an investment with possible high returns but a similar chance of losing some of their
money. They less than half of their money 6% (3) respondents are willing to place an investment with possible
high returns but a similar chance of losing some of their money. They invest very little , if any their money
6% (3) respondents are willing to place an investment with possible high returns but a similar chance of losing
some of their money.

28
Q13 if you had panicked an investment with potential for large gains but also the risk of large
losses how would you feel?

Figure 13: Pie chart on feeling where there is potential for large gains but large losses also

[Link] Particulars Number of Percentage

Respondents

1. Panicked and very uncomfortable 10 20%

2. Quite uneasy 18 36%

3. A little concerned 12 24%

4. Accepting the possible highs and 8 16%

lows

5. Excited by the potential for gains 2 4%

TOTAL 50 100%

Table 13: Opinion of respondents’ feeling in investment with potential for large gains but large losses also

INTERPRETATION

The above pie chart shows that the 20% (10) respondents would feel panicked and very
uncomfortable while picking investment for potential for large gains but also the risk of large losses.
The 36% (18) respondents would feel quite uneasy. The 24% (12) respondents would a little
concerned while picking investment for potential for large gains. The 16% (8) respondents would
feel accepting the possible highs and lows while picking investment for potential for large gains but
also the risk of large losses. The 4% (2) respondents would feel exciting for the potential for the
gains while picking investment for potential for large gains but also the risk of large losses.

29
Q14 I would prefer small certain gains to large uncertain ones.

Figure 14: Pie chart on preference of small certain gains over large uncertain gains

[Link] Particulars Number of Respondents Percentage

1. Strongly agree 13 26%

2. Agree 15 30%

3. Neutral 12 24%

4. Disagree 7 14%

5. Strongly disagree 3 6%

TOTAL 50 100%

Table 14: Opinion on preference of small certain gains over large uncertain gains

INTERPRETATION

The above pie chart shows that the 26% (13) respondents strongly agree to prefer small certain gains
to large uncertain losses. The 30% (15) respondents agree to prefer small certain gains to large
uncertain losses. The 24% (12) respondents are neutral to prefer small certain gains to large
uncertain losses. Other 14% (7) respondents disagree to prefer small certain gains to large uncertain
losses. The remaining 6% (3) respondents strongly disagree to prefer small certain gains to large
uncertain losses.

30
Q15. in which product would you like to invest your money?

Figure 15: Pie chart on products to invest the money

[Link] Particulars Number of Respondents Percentage

1. Mutual funds 20 46.2%

2. Equity shares 18 30.8%

3. Debentures 12 23.1%

4. Bonds 0 0

5. Others 0 0

TOTAL 50 100%

Table 15: Opinion of respondents on which product to invest the money

INTERPRETATION

The above pie shows that the maximum people have invested in mutual funds 46.2% (20), the no.
of people who have invested in equity shares are 30.8% (18), the no. people who have invested in
debentures 23.1% (12), and remaining people stated that they are not interested in bonds and others.

31
Q16 I want my investment money to be safe even if means lower returns?

Figure 16: Pie chart on safer invesment of money even if returns are lower

[Link] Particulars Number of Respondents Percentage

1. Strongly agree 23 46%

2. Agree 10 20%

3. Neutral 13 26%

4. Disagree 3 6%

5. Strongly disagree 1 2%

TOTAL 50 100%

Table 16: Opinion on safer investment of money even if returns are lower

INTERPRETATION

The above pie chart shows that the 46% (23) respondents strongly agree to investment money to be
safe even if it means lower returns. The 20% (10) respondents agree to investment money to be safe
even if it means lower returns and the 26 % (13) respondents are neutral to investment money to be
safe even if it means lower returns. And other 6% (3) respondents disagree to investment money to
be safe even if it means lower returns. The remaining respondents 2% (1) strongly disagree to
investment money to be safe even if it means lower returns.

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 CHAPTER 7

FINDINGS, CONCLUSIONS, SUGGESTIONS

Findings

I. The above pie chart and table shows that, 40 % (20) of respondents, have excellent
knowledge about investment
II. The 44% (22) of respondents belong to the excellent financial situation and
III. The 40% (20) are always concerned about the possible losses
IV. that the 36% (18) respondents are looking to invest their money for the time period 0-5 years
V. The 46% (23) respondents want to invest their money of 10000-50000
VI. The 32% (16) respondents are neutral to enjoy exploring investment opportunities.
VII. The 34% (17) respondents are usually going for the best possible return even if there were
risk involved
VIII. The 28% (14) respondents are average while describing their typical attitude when making
important investment decisions
IX. Other respondents are large 32% (16) ) who have taken risk with the past financial decisions
X. The 34% (17) respondents are agree to feel anxious when investments have an elements of
risk
XI. The 38% (19) respondents are neutral, looking for high investment growth and willing to
accept the possibility of greater losses to achieve
XII. They invest more than half of their money 40% (20) respondents are willing to place an
investment with possible high returns but a similar chance of losing some of their money
XIII. The 36% (18) respondents would feel quite uneasy while picking investment for potential
for large gains but also the risk of large losses.
XIV. The 30% (15) respondents agree to prefer small certain gains to large uncertain losses.
XV. that the maximum people have invested in mutual funds 46.2% (20),
XVI. The 46% (23) respondents strongly agree to investment money to be safe even if it means
lower returns.

33
34
 CONCLUSIONS

This study is an outcome of the topic called “Study on how customers make decisions while
investing the money“. The survey is carried out in the company called “Agile capital services
Private ltd.,”

Investments are getting very much important these days in the organization. Since, The
maximum number of respondents would like to invest money in mutual funds over debentures
and bonds. Hence, it is also very critical to evaluate the products for investment.

The study was conducted among the workers of Agile capital Services Private ltd covering 50
respondents. The data was collected by means of questionnaire and the data was classified and
analyzed carefully by all means. From the analysis, it has been found that the most of the
employees in the company were satisfied for most of the investment ideas and products.

SUGGESTIONS

1. Start Investing With a Game Plan

Having a game plan is the most important step in the process, and it will help you achieve your
goals. For example, if your goal is to save $100,000 in 10 years, start with the end in mind
and figure out how much you will need to invest monthly to reach your goal.

2. Diversify

Trying to get rich quick by putting all your money into a few hot stocks will almost certainly
fail in the long run. Despite all the hype around stock picking, the path to long-term wealth
creation is building a diversified portfolio of stocks, bonds and a range of other asset classes.

3. Define Your Goals

Once goals are determined, one can project how much expected growth they need to achieve
these goals. That, along with risk tolerance, will drive asset allocation and exposure to parts of
the stock market.

35
4. Don't Panic

If you see prices drop 20% in a day, sure, something is probably wrong and you should evaluate
selling. If you see a stock or even your whole portfolio drop 2% in a day, don't panic and sell
everything. Constant buying and selling will lower your returns in the long run. Make picks
you believe in, buy and hold. Don't panic-buy and sell.

5. Think Long Term

Many times, the financial world sells fear or greed. Don’t get wrapped up in the "get rich"
quick scheme or the day-to-day emotions. Set your goal, and let the stock market do what the
stock market does.

36
37
 CHAPTER 8

LIMITATION OF THE STUDY, BIBLIOGRAPHY, ANNEXURE

Limitations

1. The study is based on the data provided by the company statements so, the limitations
of the company’s employees remaining are equally applicable.
2. Collecting data properly from employees become difficulty due to the time constraint.
3. Busy schedule of the employees also effected to some extent.
4. There is a chance for bias in the information given by the respondents.
5. The study was based on sample hence results were not fully absolute.
6. The study was made only with limited number of samples.

Bibliography

Books : -

I. The bond king by MARY CHILDS

II. The intelligent investor by BENJAMIN GRAHAM
III. The billionaire’s apprentice by ANITA RAGHAVAN

Research Papers :-

• People’s Preferences In Investment Behaviour Bibliographic Review

By [Link] Sundari, Assistant Professor, [Link], Associate

Professor, Department of Management studies, Kongu Engineering College. &
[Link]

(Vol-2 Issue-2 2016, IJARIIE-ISSN(O)-2395-4396)

• An Analysis Of Investors Perception Towards Different Financial Assets -

A Study In Odisha

By Mr Asis, Kumar Sahu, Gouri Sankar Lall

38
 (December 2021, volume 8, Issue 12, ISSN -2349-5162)

• A study on relevance of demographic factors in investment decisions

By N. Geetha, M. Ramesh

(Volume 10, Issue 1, 2012ISSN 1804-0519 (Print), ISSN 1804-0527 (Online) )

• A Study on Factors Influencing Youngsters’ Perceptions towards Choice

of Investment Avenues

By Gowtham Ramkumar

(i-manager’s Journal on Management, Vol. 12,No 3, December2017-

February2018)

Websites :-

1. [Link]

2. [Link],

3. [Link],

4. [Link],

5. [Link]

6. [Link]

39
 ANNEXURE

Kindly fill the below survey for the research project.

The survey should only take 5-10 minutes, and your responses are completely confidential.

The information is only for research purpose.

Thank you for your time!

What is your annual income (from all sources)?

1. Which statement best describes your knowledge of investments?

a. Very good
b. Good
c. Acceptable
d. Poor
e. Very poor

2. How would you classify your overall financial situation?

a. Excellent
b. Very good
c. Good
d. Fair
e. Poor

3. When you are faced with a major financial decision, are you more concerned about the
possible losses or the possible gains?

a. Always the possible losses

b. Usually the possible losses
c. Usually the possible gains
d. Always the possible gains

40
4. How long are you looking to invest your money for?

a. 0-5 years
b. 5 years plus
c. up to 10 years: i have enough money available for any short-term emergency
d. open term: i always need access to my money

5. How much money are you approximately looking to invest? ( in rupees )

a. less than 10,000

b. 10,000 - 50,000
c. 50,000 - 100,000
d. more than 100,000

6. I would enjoy exploring investment opportunities for my money.

a. Strongly agree
b. Agree
c. Neutral
d. Disagree
e. Strongly disagree

7. I would go for the best possible return even if there were risk involved.

a. Always
b. Usually
c. Sometimes
d. Rarely
e. Never

8. How would you describe your typical attitude when making important investment
decisions?

a. Very adventurous
b. Fairly adventurous
41
 c. Average
d. Fairly cautious
e. Very cautious

9. What amount of risk do you feel you have taken with your past financial decisions?

a. Very large
b. Large
c. Medium
d. Small
e. Very small

10. When I consider investments that have an element of risk, I feel quite anxious.

a. Strongly agree
b. Agree
c. Neutral
d. Disagree
e. Strongly Disagree

11. I am looking for high investment growth. I am willing to accept the possibility of greater
losses to achieve this.

a. Strongly Agree
b. Agree
c. Neutral
d. Disagree
e. Strongly Disagree

12. If you had money to invest, how much would you be willing to place in an investment
with possible high returns but a similar chance of losing some of your money?

a. All of it
b. More than half
c. Half

42
 d. Less than half
e. Very little, if any

13. If you had picked an investment with potential for large gains but also the risk of large
losses how would you feel:

a. Panicked and very uncomfortable

b. Quite uneasy
c. A little concerned
d. Accepting the possible highs and lows
e. Excited by the potential for gains

14. I would prefer small certain gains to large uncertain ones.

a. Strongly Agree
b. Agree
c. Neutral
d. Disagree
e. Strongly Disagree

15. In which product would you like to invest your money?

a. Mutual Funds
b. Equity shares
c. Debentures
d. Bonds
e. Other

16. I want my investment money to be safe even if it means lower returns.

a. Strongly agree
b. Agree
c. Neutral
d. Disagree
e. Strongly disagree

43