market research assginment

8/12/2019 Market research assginment

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Tushar upadhyay

Roll no. 311140

MIT SCHOOL OF BUSINESS

Assignment Repo


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Table of

C O N T E N T S

Chapter No. Title

Executive summary

I Introduction1.1 Background of the study

1.2 Need of the study

1.3 Theoretical background

1.4 Objectives of the study

II Research Methodology

2.1 Research design

2.2 Data collection

2.3 Drafting of a questionnaire

III Data Processing and Analysis

Findings

Conclusions

References

Appendices / annexure


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Executive summary

This assignment report is about analyzing the investment patterns of various categoryof working people of India. Using data analysis and random sampling I found that today

investors are risk averse. Work hours have increase. The common man who is involved

in his day to day affairs cannot invest in complicated options like equity, hence he ishappy and content with the ever increasing returns of gold and F.D. PPF and Insurance

are essentials, the proverb should be changed to food, water, shelter, PPF andInsurance. Banker who are obviously sound in financial knowledge are what can be

termed as smart investors. They spread their investments and do not rely on one shot

heavy high risk high return investment.


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IINTRODUCTION


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1.1 Background to the studyWe do research in order to make progress in a field. My view of why we are doingthe assignment is that analyzing the investment patterns of different types of

people will help the financial investments firms, common people and society as awhole in order to determine the investment habits and make policies, schemes

and offers accordingly.

1.2 Need of the studyThe study will help in determining the investment habits of common people, if

results are accurately derived will help in setting of target audience by theinvestments firms.

1.3 Theoretical backgroundInvestments are done by common people, firms, companies, corporations andeven the government for one common objective of increasing wealth; not money

but wealth. The size and spread of investment keeps on increasing with the size ofthe investor body.

Types of investors:

Individuals: individuals invest in stocks, bonds and shares in order to use theirideal money and savings

Venturecapital funds: Pension plans and provident funds and gratuity are formof venture capital funds. They are collected on behalf of employer by theemployee.

Investment in banks:in the form of Fixed deposits. Real estate investors: Mutual fund investors: some people like to keep it safe, and invest in mutual

funds which are called hedge funds, they are intended to protect the less finance

savvy investors from risks of share market. Risk is diminished by spreading theinvestment in different less risky stocks such as blue chip stocks.

Investment means and opportunities:

Fixed deposits: safe form of investment Post office saving schemespopular in villages and where banks cannot reach NSC and government bonds- even secure than a bank FD Provident fund: every man or woman trust it because of tax savings and

definite returns

Debentures, equity and mutual funds: high risk with high returns, preferred byfinance savvy people.

1.4 Objective of the study


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2.1 Research design

i) Sample unit: A-teaching professionals, B-Self Employed, C-IT professionals,D- Class1 Employees, E- Bankers, F-Hospitality Professionals

ii) Sample size:10 of each category, total sample size: 60iii) Sample plan: Random sampling

2.2 Data collection

Only primary data is mainly used. Primary data was collected usingquestionnaires only. Interviewing was not possible as respondents were locatedout of state

2.3 Questionnaire

I believe questionnaire should be as short as possible to keep away the frown onrespondents face. My questionnaire looked like below:

QUESTIONNAIRE

Dear Sir/ Madam,

The purpose of this questionnaire is to analyze the investment patterns ofdifferent working class people. This questionnaire will help me in completing my

important assignment at my college MIT-SOB, Pune. Further this study will help

you and investment firmswho is investing what and where. Its beneficial to all.Kindly do the necessary.

1) Name:2)Age ___3) Occupation ( please select one)

Teacher IT professional Banking professional

Hospitality class 1 Self employed


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Professional employee

4)Gender: male female

5)What is your annual income ______________6)Where do you invest, please tick the options where you invest:-

Fixed deposits

Provident funds

Equity and debentures (share market in simple words)

Life insurance

Mutual funds

Real estate

Gold

Life insurance

Post office


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IIIData analysis, interpretation, findings and

conclusion


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The following charts gives the depiction of the data collected. Instead of writing longstories about the data, graph is the most direct and concrete way of analyzing data

6

28

17

9

0

5

10

15

20

25

30

18-30 30-45 45-55 55&above

NUMBER

AGE

Age groups

0

5

10

15

20

25

Teacher self employed IT

professionals

class 1

employee

Banking

professionals

Hospitality

professionals

Occupation numbers


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0

10

20

30

40

50

60

People and Investment

Investment proportion


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Findings and Conclusion:

On the basis of above charts and data collected we find that majority of the people play it

safe. They like to keep it safe and invest in safer options by government and biginstitutions such as LIC India, State bank of India. It was an interesting trend which was

observed in postal service investment option, most of the inventors belonged to the class1 employee category, this was may be due to additional benefits offered to a government

officer by the postal department.

Secondly most of the heavy investors are in the age group of 30-45 and are ITprofessionals, although in my survey the sample size of IT professionals was the highest,this would have contributed to their being the heavy investors but in general people gain

financial stability and IT professionals especially, that is why they are the heavyinvestors.People still are risk averse and do not heavily invest in mutual funds, equity and

debentures mainly because investment in this instruments are risky, involves a lot of

hassle and also share and stock market of India is highly volatile in todays time.

People are a bit old fashioned and orthodox in terms of investment, they still love theirgold instead of knowing buying gold increase the fiscal deficit, but gold is safe and sure

investment hence gold comes third after PPF in terms of most invested method. PPF isalmost as if necessary to live in this world, therefore any sane employee uses it.

We conclude that although our findings are a bit conventional and usual but one

important thing that came out as a conclusion was that different people doing differentkind of work prefer different types of investment. Being financially better equipped a

banker uses all possible sources of investment and diversifies as much as possible, An ITprofessionals who is in his late 20s to early 30s look for making quick money and are

willing to take the risk of mutual funds. Class 1 employees who are also knows as

gazetted officers are in their late 40s, they want security of investment and relatively

less hassle, hence they invest in gold, F.D for securing their life after retirement and lifeinsurance for their future generations. Time to time all the groups do invest in realestate and gold when they see the opportune moment.

References

http://theglobaljournals.com/paripex/file.php?val=MTU2Ng%3D%3Dhttp://www.investopedia.com/university/beginner/beginner5.asp
http://theglobaljournals.com/paripex/file.php?val=MTU2Ng%3D%3Dhttp://theglobaljournals.com/paripex/file.php?val=MTU2Ng%3D%3Dhttp://theglobaljournals.com/paripex/file.php?val=MTU2Ng%3D%3D


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