A STUDY ON

INVESTORS BEHAVIOR TOWARDS DIFFERENT AREAS

OF PERSONAL FINANCIAL PLANNING

Internship Report submitted to Dayananda Sagar University in partial

fulfillment of the requirements for the award of

Masters of Business Administration

Submitted by

Sharath S

(USN: CMS16MBA019)

2017-2018

Under the guidance of

Dr. Jayakrishna Udupa

DAYANANDA SAGAR UNIVERSITY

SCHOOL OF COMMERCE AND MANAGEMENT

Bengaluru

September, 2017
 DECLARATION

I hereby declare that the internship entitled A Study on Investors Behavior

towards Different Areas of Personal Financial Planning submitted to
Dayananda Sagar University in partial fulfillment of the requirements for the
award of MBA, is a record of independent internship work carried out by me
under the supervision and guidance of Dr.Jayakrishna Udupa, Assistant
Professor, DSU- Bengaluru. This work has not formed the basis for the award of
any Degree and has not been submitted previously to any other
College/University.

Bengaluru SHARATH S

September, 2017 (CMS16MBA003)

Dr.Jayakrishna Udupa

Assistant Professor

School of Commerce and Management

Dayananda Sagar University

Bengaluru

CERTIFICATE

I certify that this internship entitled a Study on A Study on Investors Behavior

towards Different Areas of Personal Financial Planning submitted to DSU in
partial fulfillment of the requirements for the award of MBA, is a record of
independent internship work carried out by Mr. Sharath S under my supervision
and guidance. This work has not formed the basis for the award of any Degree
and has not been submitted previously to any other College/University.

Bengaluru Dr.Jayakrishna Udupa

September, 2017 GUIDE

 ACKNOWLEDGEMENT

The foundation for any successful venture is laid out not just by the individual
accomplishing the task, but also by several other people who believe that the
individual can excel and put in their every bit in every Endeavour he/she embarks
on, at every stage of life. And the success is derived when opportunity meets
preparation, also supported by a well-coordinated approach and attitude. The joy
and satisfaction that accompanies the successful completion of any task would
be incomplete without mentioning the people who made it possible and also
whose efforts gave this project its final shape
First, I would like to express my wholehearted gratitude to the Almighty, for the
blessing and Dayananda Sagar University, School of Commerce and
Management, Bengaluru without which this project would not have been
possible.
Next, I take this opportunity to express my sincere thanks to Dr.Punith
Cariappa, Associate Dean, School Of Commerce and Management, Dayananda
Sagar University, Bangalore, for her support in this project work.
I would like to express my sincere thanks and gratitude to Dr.Jayakrishna
Udupa, Assistant Professor, School Of Commerce and Management,
Dayananda Sagar University, Bangalore, for her excellent guidance and support
throughout this project work.
I would like to express my sincere thanks to Mr. Manu N, Associate Financial
Planner, Simplus Financial Consultancy Pvt Ltd, Bengaluru for his guidance and
cooperation during the study period.
Finally, I wish to thank my parents, fellow students, faculty members of School Of
Commerce and Management, Dayananda Sagar University, Bangalore, and all
others who have helped me in innumerable ways in completing this project work
successfully.
SHARATH S
 EXECUTIVE SUMMARY

Personal financial planning is a short and long term financial planning by an

individual, either independently or with the assistance of a professional adviser. It
will include the use of tax efficient schemes such as Individual Savings Accounts,
ensuring adequate provisions are being made for retirement, and examining
short- and long-term borrowing requirements such as overdrafts and mortgages.

Financial planning is a systematic approach whereby the financial planner

maximizes customer's existing financial resources by using the appropriate
financial planning tools and investment vehicles to best achieve his financial
goals and objectives In other words, financial planning is the process of meeting
once life goals through proper management of one's finances. Life goals can
include buying a home, saving for children's education, buying a car, protecting
family against financial risks or planning for retirement.

The need for financial planning services arises from the need of meeting the
financial goals of one's life & it is financial planning that helps us to take a
comprehensive look towards one's futures financial needs and goals including
cash flow, debt management, education funding, retirement planning, estate
conservation and portfolio management. Financial Planning ensures that the
right amount of money is available in the right hands at the right point of time in
future to achieve specific Financial Goals.

Soundness of a comprehensive financial plan is based on how well the individual

chosen strategies complement each other.
 CONTENTS

CHAPTERS TITLE OF CONTENT PAGE

NO.

CHAPTER I INTRODUCTION 1-4

1.1 Definitions of Personal financial planning 1

1.2 Personal financial planning process 2

1.3 Benefits of personal financial planning 2

1.4 Different areas of personal financial planning 3-4

CHAPTER II INDUSTRY PROFILE 5-15

2.1 Meaning of financial advisor 5

2.2 Origin and development 5-6

2.3 Nature of financial consultancies 6

2.4 Investment philosophy 6-9

2.5 Markets and investments 9-15

CHAPTER III COMPANY PROFILE 16-26

 3.1 Vision & Mission statement 16-17

3.2 SWOT analysis 17-18

3.3 Organization functions 18-26

CHAPTER IV RESEARCH METHODOLOGY 27-28

4.1 Statement of Problem 27

4.2 Scope of Study 27

4.3 Objective of Study 27

4.4 Research Methodology 27-28

4.5 Limitations of Study 28

CHAPTER V DATA ANALYSIS AND INTERPRETATION 29-52

CHAPTER VI FINDINGS 53-54

CHAPTER VII CONCLUSION AND SUGGESTIONS 55-56

End material

Bibliography 57

ANNEURE 58-60
 LIST OF FIGURES

Page
Figure No. Title
No.

3.4.1 Returns at different market conditions

20
 LIST OF TABLES

Table no Title Page no.

5.1 Age 29

5.2 Gender 30

5.3 Marital status 31

5.4 Educational background 32

5.5 Occupation 33

5.6 Financial dependency 34

5.7 Earning members 35

5.8 Monthly income 36

5.9 House ownership 37

5.10 Various types of investments in their portfolio 38

5.11 Type of investors 39

5.12 Have they taken insurance policy 40

5.13 Type of policies 41

5.14 Experience in market 42

5.15 How many companies they have invested 43

5.16 Source of investment 44

5.17 Mode of trading 45

5.18 Are they member of any firm or not? 46

5.19 Have they heard about personal financial planning? 47

5.20 First preference in areas of personal financial planning 48

5.21 Have they planned for estate 49

5.22 Have they planned for their retirement 50

5.23 By which would they prefer when they are investing? 51

5.24 Are they have any financial plan in future 52

 LIST OF CHARTS

Chart no. Title Page

no.

5.1 Age 29

5.2 Gender 30

5.3 Marital status 31

5.4 Educational background 32

5.5 Occupation 33

5.6 Financial dependency 34

5.7 Earning members 35

5.8 Monthly income 36

5.9 House ownership 37

5.10 Various types of investments in their portfolio 38

5.11 Type of investors 39

5.12 Have they taken insurance policy 40

5.13 Type of policies 41

5.14 Experience in market 42

5.15 How many companies they have invested 43

5.16 Source of investment 44

5.17 Mode of trading 45

5.18 Are they member of any firm or not? 46

5.19 Have they heard about personal financial planning? 47

5.20 First preference in areas of personal financial planning 48

5.21 Have they planned for estate 49

5.22 Have they planned for their retirement 50

5.23 By which would they prefer when they are investing? 51

5.24 Are they have any financial plan in future 52