29. Continued………. Opportunities:- Right Time to Investors to re-enter into market. Huge untapped Markets. Increasing number of Graduates. Increase Tie-ups for Fund Transfer. Threats:- Stiff Competition. Increasing awareness of Mutual Funds & ULIPS.
35. Investment Portfolio Investment is a commitment of funds made in the expectation of some positive rate of return. The Investment needs of an Investor:- Capital Preservation. Wealth Generation. Tax Savings. Income. Future Uncertainty. Retirement Planning.
36. Investment Planning It helps in deciding upon the right Investment strategy. It is a balance of three components:- Liquidity. Risk Tolerance. Return.
49. Title A Comparative Analysis on Investment Portfolio of Business & Service Class Investors of HSBC InvestDirect in Ludhiana.
50. Objectives To study the demographical factors affected the choice of Portfolio of Investors. To identify the purpose of investment & extent of financial literacy of Investors. To know the most preferred Investment avenues of Investors. To find out the Risk Tolerance limit of Investors.
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56. Fig 4.1:- The Investors’ Demographic Profile (Gender)
74. Whereas Service class Investors have the awareness of all Investment avenues especially Insurance schemes and Equities and very few of them don’t know about Derivatives. They do Investments with the purpose of Capital Appreciation & they do Investments by having Portfolio Services Initiation as well as Fundamental analysis of that particular Scrip/Company.
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77. They wait & watch or they invest more whenever they noticed any fluctuation in the market .
78. That’s why they come under Aggressive Capital Appreciation Category which refers to higher risk & higher returns.
79. Whereas the Service class Investors have most preferred Investment Avenue is Mutual Fund so they keep it for long period and most of them withdraw their Investment or they wait & watch when any fluctuation is noticed in the market.
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81. They come under the Aggressive Capital Appreciation Portfolio.