Summer Internship Project Report

On

A Study on Inverts Perception Towards Investment

At

The Leading Solution

Submitted To

Institute Code: 773

Shri Sunshine Group Of Institution, Rajkot

Under The Guidance of

Dr. Komal Patel (Associated Professor)

In Partial Fulfillment of The Requirement of The Award of The Degree of

Master of Business Administration (MBA)

Offered By

Gujarat Technological University

Prepared By:

Devangi Paun

Enrolment No: 227730592091

MBA (Semester – III)

 Declaration

I Hereby Declare that the Summer Internship Project Report titled “A Study
on Investors Perception Towards Investment “in The Leading Solution is a
result of my own work and my indebtedness to other work publications, reference,
if any, have been duly acknowledged. If I am found guilty of coping from any other
report or published information and showing as my original work, or extending
plagiarism limit, I understand that I shall be liable and punishable by the university,
which may include ‘Fail’ in examination or any other punishment that university
may decide.

Enrollment No. Name Signature

227730592091 Devangi Paun

Place: Date:
Institute Certificate
 Certificate of Examiner

This is to certify that project work embodied in this report entitled “A Study on
Investors perception towards Investment” was carried out by Devangi Paun
Enrollment no.- 227730592091 of Shri Sunshine Group of Institutions – 773.

The report is Approved / Not Approved.

Comments of External Examiner

This Report is for the partial fulfilment of the requirement of the award of the
degree of Master of Business Administration offered by Gujarat Technological
University.

---------------------(Examiner’s Sign)

Name of Examiner:

External Examiner’s Institution Name:

External Examiner’s Institution Code:

Date: Place:
Company Certificate
 PERFACE

Practical Training is a part of our study in MBA. It is compulsory for MBA

students to prepare this summer internship project report. This training makes it easy
to understand the working of institute. This course is offered by Gujarat
Technological University. The main purpose of preparing this project report is to get
Practical Knowledge in the field of management. It was a good experience this
project.

I have done my internship at The Leading Solution and prepared a project report
on “A Study on Inverts Perception Towards Investment”. Preparing this project
report inspired me a lot for my productive future. This project report is to be
submitted to Gujarat Technological University. By Preparing this project report, got
an opportunity to bet the practical knowledge in the field of management.
 ACKNOWLEDGEMENT

It is my pleasure to present this report before you, which is a combination of

knowledge and hard work. First of all, I would like to thanks Gujarat Technological
University who has provided the study of such interesting subject.

First and foremost, I would like to express my deep sense of gratitude and
indebtedness to my collage guide Dr. Komal Patel for her invaluable
encouragement, suggestions and support from an early stage of this research and
providing me extraordinary experience throughout the work, and also, I am very
thankful to my company guide Ms. Shivani Sharma to help me in each and every
step of this project. I consider my self-privileged having worked under the guidance
of her. I am also thankful to other mangers of The Leading Solution who have spent
time to render all kind of help required for the successful completed of the project
work.

This is the not one of those little acknowledgement that you see in the most other
books but this is a genuine list of people who really, truly helped me and guided me
a lot while I was preparing this report.

I gratefully acknowledge the Gujarat Technological University to offer such a

program to the student like us. This program helped us to build confidence and better
future.
 Index

Sr.no Particular Page No.

1. Executive Summary 01
2. Industry Overview 02 to 04
3. Company Overview 05 to 13
4. Functional Department 14 to 21
5. Topic Overview 22
6. Literature Review 23 to 24
7. Statement of Problem 25
8. Research Objectives 26 to 27
9. Research Methodology 28 to 32
10. Date Analysis & Interpretation 33 to 48
11. Findings 49 to 50
12. Learning Outcomes 51
13. Limitation 52
14. Suggestions 53
15. Conclusion 54
16. Bibliography 55
17. Appendix / Annexure 56 to 58
 (1) Executive Summery

The Leading Solutions is the one stop solution provider for all financial needs.
The objectives is to serve the customers with the best solution for directing their
finances in the most profitable direction.

Company is able to facilitate various trainings and development programs with

top B-schools and they have already trained thousands of interns till date. They
have liaison with more than 50 universities in India with the base size of 800 and
above campuses, keeping in the mind the most critical needs in today’s context,
also they have emerged as a service partner of various bank proving one stop
solution offering a gamut of services.

The Leading Solution is one of the developing consulting firm in India. At, The
Leading Solution, they give broad administration services to high and HNI
(High Net Worth Individual’s – Individuals who have a significant amount of
wealth and financial assets.) clients. They exceedingly prepared and concentrated
group draw in with customers from the nation over just as those based abroad.
They facilitate every one of the administration expected to deal with customer’s
cash and plan for their very own and family’s present and future needs.

1
 (2) Industry Overview

A financial consulting services are the head and backbone of all the other services
related to finance like banking, insurance, and retail management. This industry
looks over all the other economic activities and tries to manage the risk that can be
encouraged within the economic sector. There are number of consulting firms and
agencies are there which providing solutions regarding the economic related queries.
With the coming of internet services this industry works through e-commerce.

“The financial service industry has a long history of playing semantics with titles for
financial professionals,” Industry regulators, professional associations and
consumers groups have battled over what financial professionals should be allowed
to call themselves to invest. The financial services industry has long used titles as a
way to shape customer perception towards investment.

Financial consultants typically help clients see their blind spots, such as
understanding the perceptions for withdrawing money from individual retirement
account before turning 59.5-year-old or the consequences of making emotional
decision.

Many people will hire a financial consultant to solve an immediate financial

problem, such as when they inherit money from a family member.

2
History of Financial Consultants:

In the past days, financial consultants were generally found on financial consulting
firm. There has been no altercation in their role, only the title has changed so far.
Any minute fluctuations in the market are closely monitored by these professionals.

These days more popular term financial advisory services or accounting services are
used form them.

Benefits of Hiring Financial Consultants:

Some individuals have exceptionally high income and they are looking for source of
investment. Proper guidance is given to these individuals via financial consultants.
Professionals who have earned additional money via retirement, the bonus are
seeking assistance ineffective money management from these experts. A broad range
of functions which is covered by financial planners. Let us deeper into some of them:

 Identification of goals both personal and business, e.g.- for the

purpose of getting marries, debt repayment or educating the child,
etc.

 Collecting and recognizing relevant information from the financial

data of client, credit reports are often checked to get an idea about
the exiting financial status.

 Motivating clients to take part in various plans including

investments, and trusts. These things help them achieve their future
goals.

3
 Implementing clients plans and accomplishing them within the
deadlines which is given by institution.

 Supervising the plan to clients and making necessary changes as per

the present financial needs of the clients.

4
 (3) Company Overview

The Leading Solution is one of the fast developing

consulting firm in India. At Leading Solution, we can find broad administration
services to high and HNI clients. They exceedingly prepared and concentrated group
draw in with customers from the nation over just as those based aboard. They
Facilitate every one of the administrations expected to deal with customer cash and
plan for their very own and family’s present and future needs.

Achieving wealth and reaming wealthy require different features. Individuals,

families and even businesses become wealthy for a variety of reasons, yet they have
often make the mistake of thinking they can also win the wealth management game
alone. Fortunes are lost annually due to uniformed direct investments and poor
choice made by experts in the legal, operations, accounting, investments and
insurance domains.

The Leading Solution is care about their clients and provide them best options what
they really need not what they have. They are not salesman, but they are service
provider and effective service provider is the one who satisfy their clients need and
solve problem at the same time on the long run basis.

5
Company Profile

Sources: https://www.theleadingsolutions.com/

The Leading Solution comprises market research experts, data production, and sales
intelligence units that help in work in tandem with their clients to help them collect
contact and get their message out to a specific audience.

The advantages of working with Leading Solution centers around the help to
companies expanding business and reaching out to more customers by implementing
cost effective data solution.

Backed by a team of experiment professionals, The Leading Solution endeavors to

help stay ahead of the market competition, thus making their business a highly
profitable one.

6
Vision & Mission

Sources: https://www.gialli.io/blog/how-to-write-the-perfect-vision-and-mission-statement

Vision: The motive is to upgrade the perception of investors moving them from
traditional investment decision making to diversified one. In this dynamic economy,
it is always better to diversify funds. They work on the core mentality of invertors
and try to shift their interest from traditional to modern mind set by providing them
greater choice to invest. To expand their piece of overall industry year on year and
keep up a similar dimension of involvement for each customer. What’s more, grantee
that they become the most profitable resources for evert customer.

Mission: To assemble a world class business through high guilty and genuine
budgetary arrangements upheld by sharp research and master group. The
arrangements are conveyed by specialists who comprehend the particular yearnings
of each customer.

7
Services Provided by “The Leading Solution”

The Leading Solution is help with everything related to your finance. In which
following 5 types of Service is provided y “The Leading Solution”.

1. Consulting Service:
The Leading Solution have a bunch of consultants that provides due
diligence to the various business relating to their essential business choice like
Merger and Amalgamations, investment and growth into the new Ares, etc.
and that they additionally facilitate in characteristics the new and effective
sources of benefits whereas avoiding risk. They have a tendency to principally
offer the subsequent service.

i) Corporate Development & Finance

ii) New Market/Partner/Vendor Analysis
iii) Operations
iv) Technology

2. Taxation Service:
Tax system variety among nations, and it is important for individuals and
corporations to carefully study a new locale’s tax before earning income or
doing business there. The Leading Solution guides you about comprehensive
taxation planning. The Leading Solution will give toy insight of taxation that
will help the client to manage the taxation regime of his business.

8
3. Accounting Management:
Accounting includes recording of financial transactions along with
storing, storing, retrieving, summarizing and presenting the results in various
reports and analyses. They provide customized accounting solution to the
clients and with latest analytical tools and technologies it provides cutting-
edge innovative solution to your accounting needs.

4. Portfolio Management:
Portfolio Management is the art and science of making decisions about
investment mix and policy, matching investments to objectives, asset
allocation for individuals and institutions, and balancing risk against
performance. It is important for an individual to diversify in investment
portfolio as a reduce risk and to gain maximum return, so they provide
assistance in diversifying the investments.

5. Recruitment Services:
Recruitment refers to the overall process of attracting, short listing and
appoint suitable candidates for the purpose of placement either permanent or
temporary within an organization. They filter the right candidate according to
the job or position requirement. Apart from internal and external job analysis,
they also help in recruitment planning as well.

9
SWOT Analysis:

Sources: https://depositphotos.com/photos/swot-analysis.html

A SWOT analysis for a wealth management company can identify internal strengths,
weakness, external opportunities and threats to each components of company’s risk
pools in investment process. Also it can act a road map changes to the investment
process.

Here is the SWOT analysis drawn out for “The Leading Solutions”,

Strengths:

 Clearly states various operational goals and objectives which can helps interns
and internal management team to build repo with the company.
 Outlines and describes the various roles and responsibilities of each party
involved in the investment process.

10
  Communication can be a core key to success and it is strength for this
company as it communicates every aspect of financial sectors.

Weakness:

 Performance reporting requirements should include any consistent stress

testing procedures.
 Many people are still not aware about wealth management company’s
existence and their major role in investment decision making.

Opportunities:

 Some policies should be revised to reflect any changes developed after

conducting an asset allocation analysis.
 Youth of this era can be the most potential client base for such consultancy
firm as they are showing interest in saving and investing their valuable
through such intermediaries as they do not want to bear some major risk at the
beginning level.

Threats:

 Today’s changing market condition require consistent reevaluation.

 Some policies lack metrics needed for annual financial statements or audits.

11
Porter’s Five Force Model

Porter’s five force model framework helps strategists to understand what makes
an industry profitable and provides insights needed to make strategic choice. By
understanding where actually power lies, the theory can also be used to scan Ares of
strength and to improve weakness and to avoid mistakes.

Sources: https://www.visual-paradigm.com/tutorials/five-forces-analysis-tutorial/

1) Bargaining power of buyers:

The consultancy firms heavily rely on bargaining power of consumers. The

bargaining power of large group of investors is greater because the consultancy or
wealth management companies cannot afford to suffer mass defections of their
clients. Also high net worth investors have greater bargaining power since the loss
of sizable accounts or clients and sources of revenue can more substantially affect
the bank’s profitability.

12
 2) Bargaining power of suppliers:

Here, suppliers in case with the wealth management companies are generally banks
or depositors while second suppliers can be considered as its employees. The threat
from the individual’s suppliers is minimal, just the way it is with the bargaining
power of consumers.

3) Threats of substitutes:

The threat of various substitute products has increased in the financial

consultancy industry, as companies outside the industry have begun to offer
specialized financial services that were traditionally before only available from
banks.

4) The threads of new entrants:

Relatively the threat of new entrant s from within the financial industry is small.
It isn’t easy for wealth management to enter the market and try to compete on same
board as such leading consultancy firms.

5) Competitive rivalry:

Generally, the company now a day not only faces intense competition from the
other major players but there is lack of awareness in the minds of people about such
small consultancy firms prevails. The completion within the financial industry is
probably the most and strongest porter’s model.

13
 (4) Functional Department

When a business has a traditional Hierarchical structure, then it will be typically

structured by functional department. Like Roles and Responsibility are clearly
defined with departments. This division into functional department helps with
communications as people are known to whom to speaks to if a problem arises.

Although All departments are separate from each other, their roles are connected
with each other department. For example, the human resources department is
responsible for making sure that the other departments have enough workers with
the right skills and ability; the finance department ensures that there is money
available to carry out activities and ensure that they can estimate the future cos of
action across all departments. Marketing works with production by providing
information about the products that customers want, while, purchasing has the job
of making sure that there are enough materials for production to manufacture. In
most large companies the functional

The functional areas are given below:

1. Sales& Marketing Department

2. Human Resource Department
3. Operation Management
4. Finance Department

14
 1. Sales & Marketing Department:

According to “PHILIP LOTLER”,

“Marketing management is the process of planning and executing the conception

pricing, promotion and distribution of ideas. Goods and services to create exchanges
that satisfy individual and organizational objectives”

Marketing department is one of the geographical characteristics of any company.

There are 3 categories of marketing department which are as follow:

i. Local Market
ii. National Market
iii. International Market

The sales and marketing department of a wealth advisory company is responsible

for serval key functions:

15
Market Research: Marketing Research involves gathering and analyzing data about
the target audience, competitors, and industry treads. It helps in identifying potential
clients, understanding their needs, and tailoring services accordingly.

Branding and Positioning: establishing a strong brand identity and a favorable

market position are crucial. This involves creating a brand image that reflects the
company’s values, expertise, and commitment to client success.

Client Relationship Management: Building and maintaining strong relationship

with clients is vital. The learn ensures that clients receive excellent service, remain
informed about market trends, and have their functional goal met.

Sales Process: the sales team engages potential clients, educates then about the
company’s offering, and guide them through the decision-making process. They
address any concerns and tailor solution based on individual needs.

Digital Marketing: utilizing online platforms like social media, search engine
optimization(SEO), email marketing, and online advertising to reach a wider
audience and engage potential clients.

Analytics and Measurement: The department monitors the effectiveness of

marketing campaigns and sales efforts using key performance indicators |(KPIs)
such as conversion rates, lead quality and client acquisition cost.

Overall, the sales and marketing department plays a pivotal role in attacking clients,
building relationships, and promoting the value of wealth advisory company’s
service in a competitive market.

16
 2. Human Resource Management:

Sources: https://community.nasscom.in/communities/hr-summit/human-resource-
management-hrm-definition-meaning

The human resources department in a wealth advisory company is responsible

for managing various aspects related to employees and the overall workplace
environment. Here, are some key functions of the HR department in a wealth
advisory company:

Recruitment and Hiring: the HR teams is responsible for sourcing, interviewing,

and hiring qualified candidates fie various position within the company. This
includes financial advisor, analysts, support staff, and other roles.

Onboarding and Training: once new employees are hired, the HR department
ensures a smooth onboarding process. They provide orientation, training and
necessary resources to help new hires integrate into the company’s culture and
understand their roles.

17
Performance Management: HR oversees the performance evaluation process. This
includes setting goals, conducting regular performance reviews, and providing
feedback to employees to help them to improve and grow within the company.

Workplace Policies and Compliance: HR ensures that the company’s policies and
procedures comply with legal and regulatory requirements. They also communicate
and enforce workplace polices, including those related to ethics, diversity and equal
opportunity.

Talent Development: HR pays a role in identifying high-potential employees and

creating opportunities for their professional growth and advancement within the
company.

18
 3. Operation Management

Sources: https://corporatefinanceinstitute.com/resources/management/operations-management/

The operation department of a wealth advisory company typically handles various

administrative and logical tasks to support the firm’s financial activities. This might
include account management, trade execution, reporting, reconciliation, compliance,
and client onboarding. They ensure that the company’s process run smoothly and
efficiency, allowing the wealth advisors to focus on providing financial advice to
clients.

19
 4. Finance Department

Sources: https://beslick.com/the-role-of-process-in-your-sme-finance-team/

A company needs to manage its resources effectively and efficiently to achieve its
objectives. The managing of resources in an effective manner in possible when the
management works out the future course of action in advance and takes decision in
professional manner, utilizing the individual and group efforts in a coordinated and
rational manner. Financial planning should estimate the resources required to carry
out operations and determine how far these resources can be generated internally by
the company itself and how far they will have to be obtained externally.

The finance department in a wealth advisory company is responsible for managing

the financial aspects of the business. Here are some key functions and responsivities
of financial department in a wealth advisory company:

20
Financial Planning: the financial department develops and oversees the company’s
financial plans, including budgeting, forecasting and long term financial goals. They
ensure that company’s financial resources are aligned with its strategic objectives.

Investment Analysis: Given the nature of the business, the finance team might also
analyze investment opportunities on behalf of clients. This involves assessing
market trends, risks, and potential returns.

Clients Billing and Structures: in a wealth advisory company, the finance

department manages client billing and fee structures. They ensure accurate
invoicing, track payment, and address any billing inquiries.

Risk Management: Financial professionals in the department assess and manage

financial risks associated with investment and business operations. They may
implement risk mitigation strategies to protect the company and its clients.

Financial Reporting: the department prepares financial reports, statements, and

summaries for internal use and to meet regulatory requirements. These reports
provide insights into the company’s financial health and performance.

Tax Planning: Finance experts manages tax- related matters, ensuring that the
company complies with tax laws and optimizing tax strategies to minimize
liabilities.

Cash Flow Management: managing cash flow is crucial in a wealth advisory

company. The finance department ensures that there is enough liquidity to cover
operational needs and investments.

21
 (5) Topic Overview:

Investment in any of the alternatives depends upon the needs and requirements of
the investors. Corporate and individuals have different needs and wants. Before
investing the money, the inventors have to analyze alternatives of investments in
terms of risk, return, term, convenience, liquidity etc.

This study on “Investors Perception Towards Investment” tried to attempt and also,
know the features of the investors so that to know the preference with respect to
investment. Through this study, tries to unravel the influence of demographic factors
like gender, age on tolerance level of the investor.

Investment is a type of employment of funds where investor growth and income of

their money. In India, there are any alternative for investor to choose. In the
traditional time there were limited choice for investor to invest, but in today’s senior,
many alternative scheme are there for investor who want to invest their money. Each
and every person has different opinion related to the investment in different
securities.

There are different investment avenues are available like share market, bonds,
mutual fund, life insurance, precious objects like gold, silver, platinum, non-market
securities like bank deposit and post office savings, etc. these all are different with
each other on based on their different features in terms of risk, return, etc.

22
 (6) Literature Review

Sharma, et. Al (2020), this study attempted an empirical and theoretical research on
the perception of individual investors and their behavior on investing in the stock
market, wherein, it gives the clear indications on the opportunities offered to the
individual’s to be a part of equity holders of companies.

Diebold and Yilmaz (2020), the study address the major parameters while
addressing the major factors that has a huge risk in evaluating the influences of price
fluting and changes in trade volume and this development to trade or exchange of
financial products among themselves or with respect to company’s exchange in the
domestic and foreign stock exchange.

Adeel Mustafa (2018), this study addresses about the fund raising advices and
financial advising for the large corporation and the business and provide short term
and long term fund raising through the domestic and foreign stock market, wherein,
the perception of individual investors is more positive towards the domestic based
companies compared to the other foreign based companies.

Jindal, wt.al (2018), this paper analyses the adoption of stock market in the
domestic and foreign context, which also include and influence the company’s major
key factors that constitute and include wide variety of the financial system in the
domestic and foreign stock market.

23
Daiger, Robert T, et.al (2017), this paper analyses the adoption of stock market
which also includes the company’s major key factors that constitute and include
wide variety of the financial system, wherein there are the major activities involves
in the stock market where it have the inclusions of important parameters in the
market.

Priyanka Singh (2017), This study addresses the impact of stock market that
contributes more towards the development of any countries economy to is majorly
important to understand the functions and priorities about the price volatility, trading
volume and open interest of the investors in the Indian and international stock market
and the perception of investment as a significant influence on their behavior.

Arunima Sexens, et, al (2017), this study as explored the price discovery behavior
in the spot-futures market in domestic and foreign stock market. The daily closing
prices of spot market, nearby future market and next to nearby future market,
wherein, it shows the clear evidence on the performance of domestic and foreign
stock market.

Ang, J (2015), this study addresses the two different methodologies, investigated
introduction of financial stock on cash market volatility, wherein, financial media
and the department of promotions in any of the corporates provides reports on their
daily trading in the domestic and foreign stock market.

Pramod Kumar Nail (2013), the result of research determines the significance in
the market are brought in the betterment of the investors for its major advantages
and also its biggest impact and stock market of Indian and International stock
market.

24
 (7) Statement of Problem

Now-a-days, technological enablement and rapid growth of Indian market are seen
everywhere. Since the new economic policy has given more importance to investors
and all who want to invest their money in market. Investor behavior also tend to
move into savings to investment, also in short and long term trading of capital market
instruments.

Investors in the market have been fueling for the economy and the stock exchange
have been contributing like lubricants. In this process it is essential that all the
information have to be identified and circulated to the buy inland selling segments
so that capable mechanism will be created. The capable market indicates the
replications of the information into the stock price, and assuming that information
in cost less.

This study on investor’s perception in attempt to know the characteristics of the

investors so that to know the preference with respect to investments. This study also
tries to check and unravel the influence of demographic factors like gender and age
on risk tolerance level of investor towards investment. This study also tries to know
the reason among various sectors have been attracted by the investors in order to
invest and gain maximum return. By knowing the factors that motivate to select
particularly help the new investors and also helps exiting investors to choose a
capital market for future investment.

25
 (8) Research Objectives

Research objectives are the outcomes that aim to achieve by conducting research.
Many research project contains more than one research objective. By creating strong
research objectives, it can help to achieve personal goals as well as organizational
goals. The purpose behind research objectives is to drive the research project, which
include data collection, analysis and conclusion. Also, it helps on focus of research
and key variables, guiding in research process.

The most important objective or aim after conducting this study is, to know how
much people thinks investors about the investment in any of securities.

Research Objectives:

 To know the expected return of the investors

 To identify the risk taken by the investors.
 To know the investors satisfaction in capital market.
 To study the investors objectives.
 To study the factor’s infusing their decision for choosing a particular share.
 To know about the Indian securities market.
 To know about the investors perception towards the stock market.
 To know about the investors perception towards the Sensex. In future.
 Understand the importance of long & short term investing.

26
The purpose of this research is to solve all these objectives written above. When we
talk about investment, it includes all the type of investment in different financial
securities like Post office, Gold, Insurance, PPF (Public Provident Fund) etc. These
all are financial securities in which investors are choose according to requirement of
investors.

27
 (9) Research Methodology

Sources: https://medium.com/@singhyashasvi1999/research-methodology-
761b1cca1b4b

28
Research Design:

Research design refers to the framework in which a researcher chooses the

techniques and methods for analyzing market data. Research design chosen by
researcher allow them to utilize methods that are appropriate for the study, and also
enable them to set up future studies successfully.

There are three types of research designs like Qualitative, Quantitative, and Mixed.
It is possible to conduct these research design in a variety of ways. For example,
researchers can conduct experimental studies, surveys, correlational studies, and
exploratory studies.

 I have used Exploratory Research method for my research on Investors

Perception Towards Investment:

Exploratory studies are based in the theories and their explanation and exploratory
studies do not provide any conclusion for the research topic. The structure is not
proper and the methods offers a flexible and investigative approach for the study.
The findings will be topic related that helps in improving the research more.

29
Sources of Data/Information:

Data collection methods can be categorized into two ways:

(1) Primary methods of data collection

(2) Secondary methods of data collection;

(1) Primary Data: Primary data helps you to get the latest information about
the topic or subject on which you are conducting research. Most of the
researchers try to get the data that are primary and get to know the
information going on related to the subject. So I decide to collect the
primary data for my research. I made questionnaire for collecting the data.

(2) Secondary Data: Secondary data are which data that has previously been
gathered and can be accessed by researcher. The secondary data is used to
increase the sampling size of research studies and also chosen for the
efficiency and speed that comes with using an already collected existing
resources. As a sauces of secondary data I took the data from server
website, read some articles, and read quota which help me to find the
current data about investment.

So, in this project, I have done research on the preference of the people and asked
them some questions related to investment. In this research, I have taken Primary
Data for my research. I made the whole questionnaire asking people about
investment.

30
Sample & Sampling Methods:

To estimate the characteristics of the whole population, a subset of individuals is

selected from the population. Sample size is a count of individual sample or
observation in public opinion survey.

 In this project I am using the convenience sampling method for the,

Convenience sampling is the most common types of non-probability sampling,

which forces on gaining information from participant who is reconvening the
researcher to accesses.

Sample Size:

This is the sub population to be studied in order to make an inferences population.

Simply, a sample size is a part of the population under study. In many situation, it
might not be possible to study an entire population. Sample size determines the
essential components of every research. Mostly, the sample size is deciding based
on size of population.

Sample Size 100

Time August
Sample area Regional

31
Details of the tools:

Various tools are used to analysis data like computer and software, Questionnaires,
case studies, observation and surveys are used.

 I have used Questionnaire as data collection tool for this research work.

Questionnaire is the process of collecting data through an instrument consisting of a

series of questions and prompts to receive a response from individuals it is
administered to. In a questionnaire, there are three kinds of questions generally used,
which are: fixed alternative, scale and open ended. With each of the questions
tailored to the nature and scope of the objective of research.

Sampling Selection Convenience Random Sampling

Methods
Sampling Instruments Structured Questionnaire

Sampling Analysis Graphs and Charts

32
 (10) Data Analysis & Interpretation

The statistical knowledge helped in the use of appropriate data collection methods,
analysis and effective results. The various tools of statistical tools of analysis and
graph and chart the analysis and interpretation.

Graphs and charts are a common method to use visually illustrate relationship in the
data. The purpose of graph and charts is to present data that are too numerous or
complicated to be described adequately in the text and less space. Here, in this
project I used pie charts for the data analysis and data interpretation.

33
Question 01.

Name

Question 02.

Gender

Interpretation:

 Out of 100 respondents, 70 respondents are female i.e 70% of total responses
recorded.

 While 30 respondents are male that occupies 30% of total responses recorded.

34
Question 03.

Occupation

Interpretation:

 Out of 100 respondents,47 Respondents are students which occupies the

highest share in total respondents recorded on the basis of occupation.

 While, in out of 100 respondents,26 respondents are from job category that
occupies 26% of total.

 Out of 100 respondents, 18 are business person which occupies 18% of total.

 While 9 respondents are others which include housewife and others which
occupies 9% of total.

35
Question 04.

Income

Interpretation:

 Out of 100 respondents, 41 respondents are those whose income is less than
1,00,000/-.

 While 25 respondents are those whose income are between Rs. 1,00,000/- to
5,00,000/-.

 While 22 respondents are those whose income are between Rs. 5,00,000/- to
10,00,000/-.

 Only 12 respondents are there whose income is more than Rs. 10,00,000/-.

36
Question 05.

Have you ever spent your money in any kind of investment?

Interpretation:

 When respondents were asked about if they’d ever invested their money in
any market, in which 66% respondents out of 100 respondents were optioned
for Yes.

 While 34% respondents are those who had never invested their money in any
market.

37
Question 06.

In this highly volatile market, do you think investments are required?

Interpretation:

 Here, out of 100 respondents, 84 respondents think that investment is

beneficial in this volatile market.

 While 16 respondents are those who thinks that investment is not beneficial
in this volatile market.

38
Question 07.

In which sector will you preferred to invest your money?

Interpretation:

 When respondents were given various choice about their preference regarding
investment in which, 69 were select IT sector for the investment.

 While out of 100 respondesnts,59 respondents were select Manufacturing

Sector for the investment.

 While 27 respondents were preferred Pharmaceuticals Sector.

 While 24 respondents were preferred Shipping & Logistic for investment.

39
Question 08.

Which market you will preferred for investment?

Interpretation:

 Out of 100 respondents, 54 respondents were preferring both primary market

& secondary market for the investment.

 While 36 respondents were preferring primary market for the investment.

 Out of 100 respondents, 7 respondents were preferring secondary market for

the investment.

40
Question 09.

Why do you prefer to invest in primary market?

Interpretation:

 Out of 100 respondents, 60 respondents prefer primary market for their

cheaper cost.

 While, 26 respondents prefer primary market for less botheration.

 While 25 respondents prefer primary market because of frequent allocation of

share in the past.

 Out of 100, 16 respondents prefer other benefits of primary market.

41
Question 10.

Why do you prefer secondary market to primary market?

Interpretation:

 Out of 100 respondents, 65 are select secondary market because in secondary

market cash are easily converted.

 While, 39 respondents are select secondary market for instant purchase of

securities.

 While, only 19 respondents are preferring secondary market for uncertainty

of allotment.

 While, only 13 respondents are interested in secondary market for

cumbersome procedure for applying.
 Out of 100 respondents, 16 respondents are preferring secondary market of
other features of secondary market.

42
Question 11.

Are you in favor of regular dividend?

Interpretation:

 Out of 100 respondents, 41 respondents are in the favor of regular dividend.

 While, 44 respondents are not sure about the regular dividend, they may
depend upon the market situation.

 While, 15 respondents are not interested in any kind of dividend policy.

43
Question 12.

If you are going for new issues do you prefer…..

Interpretation:

 Out of 100 respondents, 42 respondents are interested in both like new issues
in exiting company and new issues of new companies.

 While 30 respondents are preferring investment in new issues of new

company.

 While 28 respondents are preferring investment in exiting company.

44
Question 13.

While investing in secondary market do you depend on?

Interpretation:

 Out of 100 respondents, 64 respondents are investing in secondary market

because of industry group of companies.

 While 50 respondents investing in secondary market for group of companies.

 22 respondents depend upon company’s fundamentals while investing in

secondary market.

 Out of 100 respondents, 16 respondents are invested in region based

companies.

 While 10 respondents are preferring secondary market for any other reasons.

45
Question 14.

How much rate of return you accept from investment?

Interpretation:

 Out of 100 respondents,57 respondents are interested in 3% to 4% rate of

return from investment.

 While 20 respondents are interested in more than 4% rate of return from

investment.

 While 18 respondents prefer 2% to 3% rate of return from investment.

 While other respondents are interested in 1% to 2% rate of return from

investment.

46
Question 15.

Do you prefer to invest in Mutual Fund?

Interpretation:

 Out of 100 respondents, 63 respondents prefer to invents in mutual funds.

 While 26 respondents were not sure about investing in mutual funds.

 Out of 100 respondents, 11 respondents not prefer to invest in mutual funds.

47
Question 16.

How much your risk tolerance level is?

Interpretation:

 Out of 100 respondents, 60 respondents risk tolerance level is moderate while

investing in any kind of securities.

 While 27 respondents risk tolerance level is low while investing in any kind
of securities.

 Out of 100 respondents, 13 respondents risk tolerance level is very high while
investing in any kind of securities.

48
 (11) Findings

 Firstly, I had asked respondents some demographic questions including their

name, age, occupation and income. This had helped me to know what are the
different sentiments of investors based in their occupation and based on their
income and all.

 Also, I had asked respondents about their investment background.

 The study on investors perception towards investment requires various angles

to study from respondent’s side as it will help to conclude that which
investment decision of the investors.

 The study on investors perception towards investment requires various angles

to study from respondent’s side as it will help to conclude that which
investment decision of the investors.

 Here, I had asked those 100 investors as they feel about investment is
beneficial or not.

 Further I asked them about various sectors for investment and they had given
more than one choice and this helps to know that in which sector investors are
more interested to invest their money.

 Investors perception are affected with securities market as well. i.e. 54

respondents select both the market for investment. Like primary market and
secondary market both.

 One of the objective of this study is to know why investors prefer primary
market for investment. Hence, when asked about it, it was founded that
investors respondents, i,e. 60% select primary market because primary market
is cheaper.

49
 It was founded from this study that 41% respondents are in favor of regular
dividend.

 Also it was founded from research that if investors going to new issue they
prefer both the companies new and existing both.

 Majority 54% respondents who are investors believes that 3% to 4% rate of

return are preferable.

 It is also reflected from this study is that majority 60% respondents risk
tolerance level is moderate from investment.

 There are many other factors can also affect the investors perception while
investing their money in market.

50
 (12) Learning Outcomes

 When I had joined “The Leading Solutions” I had no idea about wealth
management.

 I studied about portfolio management a bit before but do not have any idea
regarding finance and wealth management at such deep level. But after the
training in this wealth management company, I improved my knowledge
regarding investment, their pros and cons, their requirement and many more.

 Also gain knowledge about various sectors which can be beneficial to the
investors in this highly volatile market.

 During the first 15 days of training period, I learned theory based portion
about taxation, HR terms and marketing. This helps me to enhance my
knowledge.

 Also I improved my communication as we had to communicate frequently

with our respected reporting managers.

 Being a student, I had basic idea about tax exemption under various sections
but during the training period of taxation, I enhanced my knowledge about
this at certain best level which can be beneficial to me in future as well.

 In next 15 days of training period, the sale and marketing profile are there,
which helps me to learn how to communicate with the customers and
improves convincing power.

 Also this study helps to know what is investors’ perceptions towards

investment.

51
 (13) Limitation

 The limitation of this research are that it is limited responses, that’s why result
could not be accurate.

 This study could have been done with both primary and secondary data and
can be done a comparison of both and could have found out the difference
between the changes in the past and today’s era’s investment perception of
investors.

 This study aims to find out various factors such as market, awareness,
macroeconomic factors which affects the investor perception towards
investment decision.

 But there are also many other factor which can influence the choice or decide
making of the investors.

 Also, the interpretation shows, most of the respondents are student who not
have income. Therefore, they are depending upon investors who have less or
limited knowledge about the investment and various investment sectors.

 Also, due to lack of investment knowledge, respondents might face

difficulties while investing their money.

52
 (14) Suggestions

The responses to the study and data interpretation of data lead to some
suggestion:

 A wealth management company of consultancy firm in the field of investment

consultancy needs a focus on choice and ability of investors or client to guide
them towards suitable alternatives.

 It is important to know the interest and income level of the clients or investors
as it could be the most guiding aspect of any investors to the investment.

 It was found from this survey is that investors involved in the research when
average low in overall investor knowledge. There inventors should be aware
of the mechanism of the market and their behavior.

 If talking about “The Leading Solution” they should give some more focus on
marketing as so many people are there who are still unaware about such
wealth management companies.

 The interpretation clearly drawn out a suggestion that company of consultant

should focus in the factors which affects the most to the investors investment
decision which helps them to guide their client inventors to the best avenues
possible.

 Any original information or data from a company or growth of the economy

of the countries must be provided quickly to equity investors.

53
 (15) Conclusion

In this on inventor’s perception towards investment, different demographic variables

are conceded and its effects on decision making behavior in a risky situation. It direct
effects of these demographic factors on risk perception. This study covers that
investors risk tolerance level is low as compare to older age of inventors. Also,
gender effects the decision in a manner that females have less risk capacity than
males. That’s why it affects the risky decision making behavior negatively and risky
decision.

The most important factors that influences individual investment decision were:
economic factors legal aspect of the company, legacy of the company and also new
products of the company.

Despite of India has a very high rate of savings; Indians are mostly low inventors.
Although there are many investment opportunities are there, also financial
instruments have become more complex and investment and savings decisions have
become extremely difficult.

54
 (16) Bibliography

1. https://www.theleadingsolutions.com/

2. https://www.ripublication.com/gjfm-spl/gjfmv6n2_16.pdf

3. https://www.dreamstime.com/photos-images/business-consulting.html

4. https://depositphotos.com/photos/swot-analysis.html

5. https://medium.com/@singhyashasvi1999/research-methodology-
761b1cca1b4b

55
 (17) Annexure

01. Name:

02. Gender:
 Male
 Female

03. Occupation:
 Business
 Student
 Job
 Other

04. Income:
 Below 1,00,000
 1,00,000 to 5,00,000
 5,00,000 to 10,00,000
 More than 10,00,000

05. Have you ever spent your money in any kind of investment?
 Yes
 No

06. In this highly volatile market, do you think investments are required?
 Yes
 No

56
07. In which sector will you preferred to invest your money?
 IT Sector
 Manufacturing Sector
 Pharmaceuticals Sector
 Shipping & Logistic

08. Which market you will preferred for investment?

 Primary market
 Secondary market
 Both
 None

09. Why do you prefer to invest in primary market?

 Cheaper
 Less botheration
 Frequent allocation of share in the past
 Other

10. Why do you prefer secondary market to primary market?

 Instant purchase
 Uncertainty of allotment
 Cumbersome procedure for applying
 Easy liquidity
 Any other

11. Are you in favor of regular dividend?

 Yes
 No
 Maybe

57
12. If you are going for new issues do you prefer….
 New issues of existing company
 New issues of new company
 Both

13. While investing in secondary market do you depend on?

 Company fundamentals
 Industry group
 Group of companies
 Region based companies
 Any other

14. How much rate of return you accept from investment?

 1% to 2%
 2% to 3%
 3% to 4%
 More than 4%

15. Do you prefer to invest in mutual fund?

 Yes
 No
 Maybe

16. How much your risk tolerance level is?

 High
 Moderate
 Low

17. Suggestions:

58