...Marketing Research Project Report Topic: The Changing Trends in Investment Pattern of People in India In Partial Fulfilment of the Course Marketing Research Submitted To: Dr Shalini Trivedi, Assistant Professor, Department of Economics, Amity Business School, Amity University. Submitted by: Shivani Mehta (E 12) Nupur Mittal (E 21) Abdul Azeem (E 24) Prateek Saini (E 27) Jalees Ahmed (E 57) Rashmita Bora (E 61) DECLARATION We hereby declare that all the work presented in the project report entitled “The changing trends in investment patterns of people in India” of the subject Marketing Research at Amity Business School, Amity University, Noida is an authentic record of our own work carried out under the guidance of Dr. Shalini Trivedi, Assistant Professor, Department of Economics, Amity Business School, Amity University. CERTIFICATE This is to certify that project report entitled “The changing trends in investment patterns of people in India” of the subject Marketing Research, which is submitted by Nupur Mittal, Rashmita Bora, Shivani Mehta, Prateek Saini, Abdul Azeem and Jalees Ahmed at Amity Business School, Amity University, Noida is an authentic record of the candidate’s own work carried out by them under our guidance. The matter embodied in this thesis is original and has not been submitted for the award of any other degree. Dr. Shalini Trivedi, Assistant Professor, Department of Economics (Project Guide) ACKNOWLEDGEMENT We express...
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...Review, discusses how ANZ raised $750 million in hybrid capital (capital combination of debt and equity characteristics) in order to maintain its already strong capital position and balance sheet. ANZ has a Tier 1 capital ratio of 10.6% compared to Westpac, NAB and the Commonwealth Bank of Australia and will only improve with further equity issuance. The ANZ treasurer spoke of the company’s overall plan to stay ‘ahead of the game’, signalling to investors of his confidence in the company, along with a new common equity trigger clause. This clause states that if the company’s common-equity ratio falls below 5.125%, new convertible preference shares will be converted to ordinary shares. New stern regulations require bank hybrids to be more “equity-like” to absorb potential losses and provide greater capital buffers. ANZ’s hybrid issue comes amid volatile global market conditions which have caused Australian banks to refrain from raising wholesale debt. The demand for loans has fallen and debt has become less preferred due to risks of financial distress. Capital Structure & Hybrid Capital Trade-off’s Debt financing puts an obligation on a firm. A firm that fails to make the required interest or principle payments on the debt will enter into default. Financial distress may occur where many unwanted costs will be taken by the firm. This reduces the cash flows available to investors. Debt holders are given certain rights to the assets of the firm and in extreme cases debt holders...
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...and relevant references with consistent, appropriate referencing style; proper use of terminology; and an unbiased and comprehensive view of the previous research on the topic. Here we discuss on different reviews related to the following: 2.1 Investors and Investment 2.2 Mutual funds 2.3 Investors Attitude towards Mutual Fund 2.1 Investors and Investments Investors in emerging markets say that they look at market volatility as a good opportunity to increase the level of risk in their portfolio. On the other hand those in the developed markets say that volatility would make them go for an increased allocation in cash and exercise increased caution with regard to investment. “Investors increasing allocation of cash is not because their ability to bear that risk has been impacted”, says Bansal. [1] JOHN C. BOGLE [2] the former CEO of Vangaurd Group Of Mutual Funds, in his article “Six Lessons for Investors - Be diversified and don't assume past performance will continue” on Jan 08, 2009 says, There is almost no limit to the ability of investors to ignore the lessons of the past. This cost them dearly last year. Here are six of the most important of these lessons: 1) Beware of market forecasts, even by experts. 2) Never...
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...A REPORT ON “CONSUMER BEHAVIOUR REGARDING MUTUAL FUND, TYPES OF MUTUAL FUND AND INVESTMENT PROCESS” BY MANOJ KUMAR (Enroll No. : 08BS0001652) SUNDARAM FINANCE LTD. Contract/Project/Job Number________________ A Report On “Consumer Behaviour Regarding Mutual Fund, Types Of Mutual Fund And Investment Process” By Manoj Kumar (Enroll No.:08BS0001652) Sundaram Finance Ltd. Date of Submission : May 2009 AUTHORISATION This is to certify that the internship project report titled “Consumer Behavior Regarding Mutual Fund, Types of Mutual Fund and Investment Process” is a bonafide work of Manoj Kumar in original. This report has been prepared under constant supervision in partial fulfillment of the requirement of IBS for the award of MBA Degree for the period of three months (Feb 2009 to May 2009). This project report neither full nor parts has ever before been submitted for awarding of any degree by this B-School or any other B-School. Prof. Puja Aggarwal Mr. Satyapal Faculty IBS Noida Territory Manager- General Insurance Sundaram Finance Ltd. 605-606, Sixth Floor, Ashoka Estate, 24 Barakhamba Road, New Delhi Date : Date : CERTIFICATE OF COMPLETION OF INTERNSHIP PROGRAM This is to certify that Mr. Manoj Kumar has successfully completed the Summer Internship Programme in Sundaram Finance Ltd. for the duration of 3 months (February 09 to May 09) under the supervision of ...
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...the employees. 3. A study on credit system in fertilizer marketing and to evaluate a suitable credit rating system to minimize risk 4. A study on Customers perception on air conditioners : A study with reference to shopkeepers 5. Analysis of it services requirements In the organizations. 6. A study on Awareness and attitude about modular switches among mid size builder segment 7. A Study on Investors Preference towards equity broking. 8. A study on Consumer buying behavior on FMCG 9. A study on Absenteeism among the employees 10. A study on Training Effectiveness in the organization 11. A study on Credit Appraisal for Car loan financing in the finance companies. 12. A study on Consumer buying behavior towards two wheeler bikes. 13. A study on Effectiveness of Performance Management system among the employees 14. A study on Effectiveness of Quality Initiativeness among the employees. 15. A study on Safety , Welfare and Health among the employees. 16. A study on Training and Recreation programmes among the employees. 17. A study on the investor behavior towards the mutual funds investments. 18. A study on Induction Training Program among the employees. 19. A study on Quality of Work Life among the employees. 20. A study on potentiality of Auto and Engineering companies. 21. A study on Customer Financial Need Analysis. 22. A study on financial position of the firm and a comparison of cash management product and multicity cheque facility 23. A study...
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...A study on Investors Preferences towards various investment avenues in Capital Market with special reference to Derivatives. by Dr. K. RAVICHANDRAN, READER, Bharathidasan Institute of Management, (School of Excellence of Bharathidasan University), Tiruchirapalli. Introduction: In India, generally all capital market investment avenues are perceived to be risky by the investors. But the younger generation investors are willing to invest in capital market instruments and that too very highly in Derivatives segment. Even though the knowledge to the investors in the Derivative segment is not adequate, they tend to take decisions with the help of the brokers or through their friends and were trying to invest in this market. This study was undertaken to find out the awareness level of various capital market instruments and also to find out their risk preference in various segments. Need for the study: To educate investors who are risk averse for trade in derivatives Awareness about the various uses of derivatives can help investors to reduce the risk and minimize the losses REVIEW OF LITERATURE “Investment property portfolio management and financial derivatives” by Patrick McAllister, John R. Mansfield. His study on Derivatives has been an expanding and controversial feature of the financial markets since the late 1980s. They are used by a wide range of manufacturers and investors to manage risk. This paper analyses the role and potential of financial derivatives...
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...SHRI RAM COLLEGE OF COMMERCE A STUDY ON FACTORS INFLUENCING INDIVIDUAL INVESTOR BEHAVIOUR Project work Paper No. – CH 6.3 (b) (Submitted for Partial Fulfillment Towards Requirement of B.COM (HONS.) Course) Ashvi Mittal 12BC136 12072204129 E-21 2014-15 UNDER THE SUPERVISION OF Miss Ankita Tomar Assistant Professor Department of Commerce Shri Ram College of Commerce University of Delhi 1 DECLARATION BY STUDENT This is to certify that the material embodied in this study entitled “A STUDY ON FACTORS INFLUENCING INDIVIDUAL INVESTOR BEHAVIOUR” is based on my own research work and my indebtedness to other work/publications has been acknowledged at the relevant places. This study has not been submitted elsewhere either wholly or in part for award of any degree. Ashvi Mittal B.Com(H) Section-E 12BC136 2 DECLARATION BY TEACHER INCHARGE This is to certify that the project titled “A STUDY ON FACTORS INFLUENCING INDIVIDUAL INVESTOR BEHAVIOUR” done by Ashvi Mittal is a part of her academic curriculum for the degree of B.Com(H). It has no commercial implication and is done only for academic purpose. Mrs Aruna Jha Miss Ankita Tomar (Teacher in- charge’s name and signature) signature) 3 (Mentor’s name and Signature) ACKNOWLEDGEMENT I feel great pleasure in expressing my gratitude to my mentor Miss Ankita Tomar of Commerce Department, Shri Ram College of...
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...the mutual fund investor. Unfortunately many mutual fund investor have probably never heard about these research results or their implications. They have heard some rules of thumb guidelines from their brokers or peers about how to select a particular fund. The purpose of this present study is to identify the selection criteria, investors seem to use in selecting a mutual fund institution that suits the investors investment objective and also to identify the factors that are responsible for the selection of schemes floated by these organisations. Further it attempts to identify the reactions from the respondents' namely mutual fund unit holders of Mysore towards the performance of the different schemes. The researcher has employed interview schedule for the collection of data to elicit views of the Mutual Fund investors. Individuals from all walks of life have been showing increasing participation in the stock market, a place where one can see their money doubling in a period of time or disappearing depending on how they play the game. With the stupendous growth in the capital market, direct investment in the stock market has definitely become next to impossible. And yet investors undertake investments with minimal risks of the working of stock exchanges. But in order that investments prove profitable; investors need to have a fair knowledge of stock exchanges. Swift and timely decisions and more importantly, timing the market is an impossible...
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... 17-1 Investors who prefer a high payout policy would generally (a) need current cash income and (b) be in a low income tax bracket. Those who prefer a low payout would not need cash currently and would be in a high tax bracket. Universities and other tax-exempt institutions, and many retirees, are examples of those who prefer cash dividends, while people in their peak earning years often prefer low payouts. If someone holds a low payout stock and wants more cash income, he or she can sell the stock and buy a high payout stock, but that would result in brokerage costs and possibly capital gains taxes. If you owned a high payout stock and wanted less dividends, you could (1) sell out and switch to a low dividend stock, (2) try to get the company to lower its payout (while possibly starting a stock repurchase program), or (3) join a dividend reinvestment plan. Selling would involve brokerage costs and possibly capital gains taxes. The dividend reinvestment plan would avoid brokerage fees, but you would have to pay taxes currently even if you reinvest the dividends. You would have a good chance of getting the company to follow your advice under Point 2 if your name were Warren Buffett. 17-2 Here are the three theories, which are illustrated in the BOC model. They should be thought of as applying to investors in the aggregate and not to each individual investor, because, obviously, different individuals will certainly have different preferences. ...
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...million of equity financing, under the assumption of choosing the level production method 2. We would like to give up 30% of the equity control of our company 3. Based on our analysis, the return on $2 million investment will be 12.9%, which is almost 4% higher than the bank interest rate 4. If the investors can provide us with some extra support, such as management teams, marketing support, branding effect, corporation opportunities, we will consider to give up more equity controls (e.g. 5% more) 5. We believe our company’s differentiation strategy will make us unique and very attractive for investors. We have been focusing on creating high-quality, eco-friendly, durable, and recycled plastics furniture, which represents the future trend. We believe our company has a huge potential growth, and both future demand and sales will increase. As a result, the investors will earn higher return on investment Analysis: Overall, we believe our company has huge potential growth. According to the industry analysis in exhibit 3, most competitors are pursuing low-cost strategy. Their products are basically the same as other competitors with undifferentiated features, thus, their future profit margins are constrained by these disadvantages. On the other hand, for our company, we successfully differentiate our product by creating high-quality, environmental-friendly, durable, and innovative recycled plastic outdoor furniture. This strategy helps us to gain market shares....
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...1. Product strategies of private life insurance companies 2. A study on “why companies should go for outsourcing” 3. Effectiveness of advertising on real estate sector 4. Study on consumer expectations and perceptions towards consumer loans 5. Workers attrition rate at hotel industry is increasing. Study regarding this issue 6. Attrition rates at different sectors 7. Effectiveness and scope of employee referrals in the process of talent sourcing 8. Study of training needs across different industries 9. Study on creation of luxury brand 10. Strategies used to build successful Internet based customer services 11. Measuring the effectiveness of retail banking of a nationalised bank compared to a MNC 12. Conspicuous consumption 13. Study of awareness and acceptibility of UPVC windows and door systems 14. Opportunities of Financing the NANO’s in Bangalore 15. Changing trends in FMCG industry in India 16. A study of best HR practices in service industry 17. Fundamental analysis of Indian telecom companies 18. Study of consumer behaviour in automobile industry 19. customer buying behaviour towards insurance products 20. Promotion strategies followed in Insurance sector 21. Study on changing consumer preference towards organised retailing from un-organised retailing 22. study on “impact of advertising in B2B marketing” 23. Distribution network & general insurance industry 24. A study on distribution channels in aluminium industry 25. Study on strategies for...
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...SYMBIOSIS INSTITUTE OF BUSINESS MANAGEMENT, BENGALURU Adlabs IPO Investment Banking Project Rajeev Siyyadri, 14020841189 12/30/2015 Introduction to the industry The outlook towards Indian economy has been very pessimistic from mid 2013 onwards where the country struggled with current account and fiscal deficit, rupee depreciation and high inflation. Only after speeding up of the government approvals and sanction after 2014 there has been has been liberalisation of foreign direct investment in certain sectors have led to an increase in the economic growth in India. After 2015 the average middle class household 's income is expected to triple. Almost around 57% of the GDP constitutes of consumer spending which is double that what investments contribute towards GDP. The increasing Indian urban population is expected to lead to an increase in spending on discretionary areas and consumer services. Between 2010 and 2020, the average household income is expected to triple. A combination of factors such as a growing middle class, rapid urbanisation and an increase in nuclear families in metropolitans which is also extending to smaller towns, is resulting in an increase in discretionary spending and consumer services such as healthcare, outdoor recreation, education, consumer durables and communication. Domestic tourism in India have shown a growth of 9.6% in 2013 over 2012. In 2013, the top five states for domestic tourists were Tamil Nadu, Uttar Pradesh, Andhra...
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...examples to explain your points. Four attributes are: • return or yield • risk • liquidity • time-pattern of the cash flows Examples: 1. Term deposit with a bank: • generally pays a fixed interest rate until maturity • guaranteed by the bank—low risk (low return) • funds usually are not available until maturity (less liquidity) • interest paid periodically; principal repaid at maturity 2. Shares in a corporation: • generally pay a dividend twice a year—amount determined by board • no performance guarantees—higher risk (expect higher return) • usually easy to sell shares at current price through the stock exchange • dividends received half-yearly, if declared 4. The major financial institutions within the international markets fall into five classifications. Identify and briefly explain each of these classifications. Give an example of different...
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...queries here.. 1. Product strategies of private life insurance companies 2. A study on "why companies should go for outsourcing" 3. Effectiveness of advertising on real estate sector 4. Study on consumer expectations and perceptions towards consumer loans 5. Workers attrition rate at hotel industry is increasing. Study regarding this issue 6. Attrition rates at different sectors 7. Effectiveness and scope of employee referrals in the process of talent sourcing 8. Study of training needs across different industries 9. Study on creation of luxury brand 10. Strategies used to build successful Internet based customer services 11. Measuring the effectiveness of retail banking of a nationalised bank compared to a MNC 12. Conspicuous consumption 13. Study of awareness and acceptibility of UPVC windows and door systems 14. Opportunities of Financing the NANO's in Bangalore 15. Changing trends in FMCG industry in India 16. A study of best HR practices in service industry 17. Fundamental analysis of Indian telecom companies 18. Study of consumer behaviour in automobile industry 19. customer buying behaviour towards insurance products 20. Promotion strategies followed in Insurance sector 21. Study on changing consumer preference towards organised retailing from un-organised retailing 22. study on "impact of advertising in B2B marketing" 23. Distribution network & general insurance industry 24. A study on distribution channels in aluminium industry 25. Study on strategies...
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...Homework week one Mini Case pg 45 Why is corporate finance important to all managers? Corporate finance is the field of finance dealing with financial decisions that business enterprises make and the tools and analysis used to make these decisions. Corporate finance is important to all managers because it help managers learn the necessary skills select the corporate strategies and individual projects that add value to their company. It`s also tool for managers to know how to find funding for their company and what is the best strategy they need to adopt to do so. b. Describe the organizational forms a company might have as it evolves from a start-up to a major corporation. List the advantages and disadvantages of each form. The three main forms of business organization are 1- Sole proprietorships that has 3 advantages 1. It is easily and inexpensively formed 2. It is subject to few government regulations 3. The business pays no corporate income taxes. The proprietorship also has three important limitations: 1. It is difficult for a proprietorship to obtain large sums of capital 2. The proprietor has unlimited personal liability for the business’s debts 3. The life of a business organized as a proprietorship is limited to the life of the individual who created it. 2- Partnerships with the advantage of its low cost and ease of formation The disadvantages are: 1. Unlimited liability 2. Limited life of the organization 3. Difficulty of transferring...
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