Investment Avenue Research Paper
Investment Avenue Research Paper
Investment Avenue Research Paper
Abstract- In this modern era, money plays an important role in one’s life. In order to overcome the
problems in future, People have to invest their money. Investment is the commitment of funds which have
been saved from current consumption with the hope that some benefits will be received in future. Savings
are invested in assets depending on person’s knowledge of different investment options, risk taking ability
and demand of return. Savings form an important part of the economy of any nation, with the savings
invested in various options available to the people, the money acts as the driver for the growth of the
country. Through this research paper, an analysis has been made about investor’s preference towards
investment avenues & study is taken of state Goa only
Introduction:
The economic development of any country depends upon the well-organized financial system. The financial
system is a broader term which brings under two fold the financial markets and the financial institutions
which support the system. The system main objective is to mobilized the savings in the form of money and
monetary assets and invest them effectively to productive ventures. It promotes investments and savings
which help faster economic development of any country.
Investment means an asset or item that is purchased with the hope that it will generate income or appreciate
in the future. In economic sense, investment is the purchase of goods that are not consumed today but are
used in the future to create wealth. Investment goals vary from person to person, business to business. While
some want security, others give more weightage to returns alone.
There are various types of investments avenues like fixed deposits, post office schemes, bonds/debentures,
Mutual funds, Insurance, Shares, and Real estate etc. Mutual Funds are financial intermediaries concerned
with mobilizing savings of those who have surplus income and channelization of these savings in those
avenues where there is demand of funds.
There are a large number of investment instruments available today which can be classified into groups to
understand them easily. In India, numbers of investment avenues are available for the investors. Some of
them are marketable and liquid while others are non-marketable and some of them also highly risky while
others are almost risk less. The people have to choose Proper Avenue among them, depending upon her/his
specific need, risk preference, and return expected. Investment avenues can broadly categories under the
following heads:
1. Equity
2. FI Bonds
3. Corporate Debenture
4. Company Fixed
5. Bank Fixed
6. PPF
7. Life Insurance
8. Post Office-NSC
9. Gold/Silver/Precious stones
10. Real Estate
Same way as per the risk taking ability of investor, the different avenues also categories as following:
❖ Safe/Low Risk Avenues: Savings Account, Bank Fixed Deposits, Public Provident fund,
Government Securities, etc.
❖ Moderate Risk Avenues: Mutual Funds, Life Insurance, Debentures, Bonds.
❖ High Risk Avenues: Equity Share Market, Commodity Market, FOREX Market.
❖ Traditional Avenues: Real Estate (property), Gold/Silver, Chit Funds.
❖ Emerging Avenues: Art and Passion.
Literature review:
Limitations:
❖ Time Constraints was considered to be the major limitation of the study.
❖ The study is limited to the extent of the availability of data.
❖ The sample size was very limited to 40 investors it may not be represent entire population
Research Methodology:
The validity of any research is based on the systematic method of data collection and analysis of the data
collected. The data is collected through primary data as well as secondary data. The study is based on the
data collected from individual investors in goa. The sampling technique followed in this study is probability
sampling. Simple random techniques are used to select the respondent from the available database.
Accordingly the researcher has selected 40 investors in the study area.
Statistical Tools:
There are various statistical tools which are used in analyzing data. The following tools are used for
representing and analyzing data.
Data Representation:
❖ Table
❖ Percentage
❖ diagram
❖ Charts
The data analyzed by using under mentioned Techniques:
References:
❖ C Sathiyamoorthy et al (2015), “Investment Pattern and Awareness of Salaried class Investors in
Tiruvannamalai District of Tamil Nadu”, Asia Pacific Journal of Research, Vol. 1, Issue 26, April
2015, pp 75-83, ISSN 2320-5504, E-ISSN 2347-4793
❖ Patil, S. and Nandawar, K. A Study on Preferred Investment Avenues among Salaried People With
Reference To Pune, India. IOSR Journal of Economics and Finance (IOSR-JEF) (2014) 09-17
❖ Pandian, V.A. and Thangadurai, G. A Study of Investors Preference towards Various Investments
Avenues in Dehradun District. International Journal of Management and Social Sciences Research 2
(4) (2013) 22-31.
❖ https://phdessay.com/investment-avenues/
❖ www.moneycontrol.com
❖ www.joaag.com
❖ www.financewalk.com