Savings form an important part of the economy of any nation. With the savings invested in various options available to the people, money acts as the driver for growth of the country. Indian financial scene too presents a plethora of avenues to the investors. Though certainly not the best or deepest of markets in the world, it has reasonable options for an ordinary man to invest his savings. Investment goals vary from person to person. While somebody wants security, others might give more weight age to returns alone. Somebody else might want to plan for his child's education while somebody might be saving for the proverbial rainy day or even life after retirement. With objectives defying any range, it is obvious that the products required will vary as well. In India, About 47% of the total savings are mobilized by the Banks through various types of deposits and schemes. The study mainly concentrates on comparing Mutual Funds with the other available Investment options such as Bank deposits, Company fixed deposits, stock market, RBI saving bonds and Life Insurance. The key objective of the study was to find out the popularity of Mutual Funds among other Investment opportunities. The research is been done under the guidance of Franklin Templeton Asset management pvt ltd, Bangalore. The questionnaire was prepared for which the respondents were people who earn more than Rs. 8000 per month. The research is descriptive in nature with a sample size of 100 earning and retired individuals. The sample type was random as well as convenient sample.
[...] In addition, as my objective is to compare Mutual Funds with other investment options, this basic question plays an important role. Let's study the following data and try to analyze it by keeping focus on the objective of the study. Table 4.3 Respondent's Motive behind the Investment Total No. Of % Of Investors (having a Specific Returns Purpose Maximization Education/Marriag e Chart 4.3 Respondent's Motive behind the Investment Majority of the respondents invest their money for their children's education and marriage[4]. [...]
[...] Chapter 2 An Insight into Mutual Funds and the Other Investment Opportunities 2.1 Mutual Funds in General A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciation realized is shared by its unit holders in proportion to the number of units owned by them. [...]
[...] Comparison of Mutual Funds with Other Investment Options on the following Parameters: Parameter % given to Mutual Fund % given to Other Investment Option Diversification of Risk Flexibility Liquidity Transparency Professional Management Regulation by Government Authorities Tax Benefits Service Standard Return on Investment Service Charge 12. Do you find Mutual fund investment procedure complicated and lengthy? a. Yes b. No 13. Are you interested in Investing in Mutual funds? a. Yes b. No c. Can't Say There were respondents who were investing for more than one motive. [...]
[...] Franklin Templeton has played a pivotal role in steering the industry to its current stage, and as long term players, they continue to strive to achieve the objective of 'making mutual funds an investment of choice' for both individual and institutional investors. In July 2002, Franklin Templeton India acquired Pioneer ITI, another leading fund house in India to create an organization with rich investment experience over market cycles, one of the most comprehensive product portfolios, footprint across the country and an in-house shareholder servicing function. [...]
[...] It was surprising to know that only 13% (Approx) of the respondents were aware of CGS, as investor's main motive for the investment is for the education and marriage of their children[19] Comparison of Mutual Funds with Other Investment Options on various Parameters Once I came to know about the awareness level of Mutual Funds and different aspects of investment options, I tried to compare Mutual Funds with Other Investment Options on different parameters. I also tried to know what respondents are thinking about Mutual Funds and other investment options for each parameter. [...]
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