Study On The Investment Perceptions And Preferences For Various Investment Options Of Working Women

Abstract

The recent trends in investmetn pattern of retail investors is undergoing drastic change. They are moving from bank FD and RD, Insurance, PPF and Post office into the Mutual Funds and Equity market. The present paper is an attempt to know the recent trends in investment pattern of working women in Mumbai suburban area. It explores how demographics like age and education level influence their investment decisions. It also explores how factors like risk tolerance and financial knowledge influence their decisions The data is collected from 58 working women through structured questionnaire. The study concludes that working women prefer to invest in Bank FD/RD, Life Insurance and Precious metal (Gold, Silver and other). They have mixed reaction about market linked investment avenues. Return from income and safety of principal amount are the factors influencing to their investment decision. Tax Saving, high returns, emergency need of funds, children education/marriage, retirement plan, increase standard of living and second income are the motives/purpose of their investment.