Investment Pattern

The paper examines the LIC's investment pattern from 2006-07 to 2023-24. The study verifies if LIC followed the rules set by IRDAI. It also checks how premium income affects LIC's investments. A dual-method approach was used-qualitative content analysis to assess policy adherence and quantitative FEM and TSLS methods to examine the causal relationship. The findings show that LIC followed all the rules. It also found that investments grew steadily over time. Most importantly, it found a strong connection between premium income and investment. For every one crore rupee increase in premium income, LIC's investments went up by about ₹14.16 crore rupees. In simple terms, the paper concludes that LIC's investment strategy is compliant with IRDAI regulations. It also proves that LIC is a key player in India's financial system.

This study is about the determinants of investment decisions among retirables to evaluate their preparedness of retirables in terms of investment before they retire, the perceived factors that influence them to invest, and their knowledge and education in financial management. It also creates an investment planning model that will fit the needs of the individual depending on their income and risk appetite to invest. The study uses a descriptive correlational method, and the results revealed no significant difference between the respondents according to the three determinants (Investment Behavior, Financial Preparedness, and Investment Influencers). Therefore, they do not differ in terms of determinants in making decisions. However, there was a significant relationship between investment determinants of retirables and investment influencers. The correlation of 0.864 between investment determinants and investment influencers for the retirables was highly correlated and statistically s...

In today's world, all individuals invest in various avenues available according to their requirements and capacity. Numerous options are available to investors from which they can choose as per his risk-taking capacity and generation of returns. The goal of investments can vary from short-term to long-term depending on various requirements of the investor. These investments are chief source of generation of capital supporting financial system of the country. Officers of the Indian Army are part of a high-income group. The financial support system given by the government to these officers takes care of the in-service and post-retirement needs. However, inflation and the rising cost of living have necessitated for an officer to be proficiently manage their funds in order to secure financial independence. This study analyses investment pattern of 65 officers and examines their financial behaviour facets such as risk tolerance and financial goals based on gross salary earned per month by an Indian Army officer based in Mhow.

The concept of investment and wealth creation is as old as human civilization. In India wealth creation and accumulation has a deep-rooted history and the traces of the same can be found in ancient writings such as ‘Arthshastra’ written by Kautilya. Kautilya stated four characteristics of wealth, namely reality, consumability, transferability and power of appreciation. At present various financial institutions are offering wide range of product where investor can invest his amount and create wealth for his future use. The industry in India has seen sea changes. During the early phase, real estate, gold, gems and jewelry were the main investment and wealth creation tools. In the later phase, the focus was enlarged and new product were introduced by financial institutions which not only cater the investment need but also secure the immediate needs of the dependants of individuals that may arise due to unforeseen events such as sudden or unfortunate demise of the investor. On the basis...

Working women want to be financially independent & secure. They want to invest their money & savings to handle critical situations at any stage of their lives. This research study is based on the analysis of income and investment behavior of the working women in India. The study was conducted on working women in both government and private sectors in India. The data was collected by distributing a structured questionnaire to 200 respondents. The data has been analyzed using frequency analysis, descriptive statistics, percentage and person correlation coefficient analysis with the help of statistical software.

The concept of sustainable development is a well-acknowledged business principle. Amid the intensifying consciousness of the potential impressions of organisations on the environment, companies of all types and sizes have begun instigating environmental sustainability initiatives into their structural frameworks.

Investment scenario in India has undergone a sea change
with entry of private players in Insurance Sector, advent
of Information Technology, wide use of internet, increase
in investor awareness with positive steps in statutes and
on line trading in Capital Markets.
Insurance is perceived as need and investment as well
in Indian Scenario. Seventy eight per cent of the
households are aware of life insurance, only 24 per cent
households own a life insurance policy. The ownership
is 38 per cent among urban households but a low 19 per
cent among rural households (Rajesh Shukla, 2010).
Investments like Provident Fund and Insurance are
obligatory in nature. Investment in other avenues is chosen
by investor to satisfy obligations. Safety, Return,
Convenience, Trustworthiness are some important criterion
considered by investors.

Uncertainty of income in unpredictable future gives rise to attitude of investing from income already earned. An array of new age financial instruments is available with varying risks,returns, time periods and different combinations of various variables. Study aims to decipher investment
pattern of investors in Satara District of Maharashtra State, India. Sample size is 1289 individual investors from Urban and Rural areas. Stratified quota sampling has been used. Stratification is done on the basis Socioeconomic Classes to reflect representative population. Study highlights Existing Investment, Investment Inclination, Investment Objectives,
Preferred Mode for Tax Saving, Sources of Information and Parameters Considered for Selecting Company of sample investors. Entire gamut of investment avenues available in Indian scenario has been considered. Hypotheses were tested using Independent Sample't' Test, Mann-Whitney
U test and One Sample 't' test. Results revealed from study would guide different stakeholders for betterment of services and product portfolio and thus to gain a strong foothold in competitive environment.

Targeting customized financial products to various Investor segments is a major concern for financial service companies. Savings are indispensable part of civilization. People invest
these savings in various avenues. Considerable variations are
found in the availability of investment avenues in preliberalization and post liberalization period. Investment decisions of individual investors are influenced by various factors. Demographics do play an important role in these decisions. Present study is an effort to crystallize the relationship between occupation and choice of investment of investors and various factors influencing investment decisions. Such a study would throw light on facts which can be used by marketers of financial products and services for getting a strong foothold in completive era. Specific segments of investors can be identified which can be targeted to increase the sales potential and investors also stand to benefit as products are offered which suit their choice set and criteria.

Traditional economics describes human beings as rational decision makers, but it has been observed that investors do not always act rationally. Behavioral finance is a new emerging science which focuses on understanding how psychology affects investment decision. The demographic variables, such as age, education, income, and marital status affect individual's investment decisions. This paper investigates how investment choice gets affected by the demographics of the investor. Such knowledge will be highly useful to the financial advisors as it will help them advise their clients regarding investments which are appropriate with respect to their demographic profile. The study provides evidence that the investment choice depends on and is affected by the demographic variables.