Chapter 4

Data analysis and Interpretation

1. Are you planning to save?

Respondents YES NO TOTAL

Entrepreneurs 25 3 28
Employees 42 2 44
Advisors and 22 6 28
others

Analysis:

From the individual point of view out of 100, 90% of them responded that they have
saving plans and rest 10% told no to this question, because they already have alternative
adjustments and don’t want to bother about savings. Some of them don’t want to reveal
the data. And some do have savings with different financial institutions. From this
segment it can be analyzed that people are looking forward for new financial instruments
for saving.

As a whole if we see from all the available angles, almost all respondents agree to this
question, only reason is our economy is encouraging us to save more, which again can be
utilized for individuals benefit.
 45

40

35

30

25
YES
20 NO
15

10

0
Entrepreneurs Employees Advisors and others

Interpretation:

For the Sample of 100 investors a question was raised about saving as, should people go
for savings? For which Almost 90% of respondents mentioned yes, where as only 10% of
respondents mentioned no. Tough their profession differ their opinion matches.

The sample of 100 has 28% Entrepreneurs, 28% Individual Finance Advisors and retail
investors and remaining about 44% of our employees from many private sector
organizations.
 2. DO YOU HAVE ANY INVESTMENT PLANS?

Respondents YES NO TOTAL

Entrepreneurs 21 7 28
Employees 36 8 44
Advisors and 23 5 28
others

Analysis:

From the individual point of view out of 100, 80% of them responded that they have
investment plans and rest 20%of them responded as no to this question; because they feel
that investment in own business leads to more profitable than any other investment, so
they don’t want to invest in other area.

Investment in other areas like in secondary market, they feel that there will not be fixed
returns from investment. Employees feel more comfortable in savings rather than other
instruments; even they would like to go for fix deposit where they will get at-least
minimum returns from their investment, this we can easily understand from given table.
Hence it is identified that people looking forward for extra new more areas to pool their
investments at a fixed rate of returns. In their opinion secondary market investment is
riskier than any other investment. So people are very comfortable opting for investments
like Fix deposits, saving certificates, Provident fund schemes etc.

Hence, it is clear indication that everyone seems to have their investment plans. Few of
them don’t want to invest at this stage, only due to lack of market knowledge, and their
personal reasons. People found very cautious and looking for new schemes to be
introduced which can really provide them good guaranteed returns from an investment.
 Entrepreneurs
Employees
Advisors and others

Interpretation:

From the Sample of 100 investors a question was raised about saving as, should people
go for investment? Almost 80% of respondents mention that they have their investment
plans. And rests 20% don’t have proper investments plans which they mentioned.

Here from this sample of 100, which 28% of them are Entrepreneurs, 28% of them are
Individual Finance Advisors and retail investors and remaining about 44% of them are
employees from many organizations of private sectors.

3. AGE GROUP?
 Respondents 20-25 25-35 35-55 55 AND
ABOVE
Entrepreneurs 2 17 7 2
Employees 3 26 11 4
Advisors and 5 6 12 5
others

Analysis:

From the individual’s point of view out of 100 respondents, almost 10% are the age of
20-25, and can be analyses that they would like to take the risk at this moment. Almost
49% are the age group of 25-35, from which it can be analyses that they feel more
cautious about their investment plans. About 30% are the age group of 35-55, they are
looking for a products like which must able to generate fixed returns, and future plans.
And about 11% of them are above the age of 55 are responded that they purely looking
from the perspective of debt funds, and suggested well in terms of other investment
avenues.

Hence it is identified that depends upon their age they are opting for schemes like debt,
equity or combination of both as their preference. So it can assume that almost investors
are very cautious about their investment plans and schemes that are available in the
market.
 50
45
40
35
30
Axis Title 25

20
15
10
5
0
20-25 25-35 35-55 55 AND ABOVE

Interpretation:

Sample of 100 investors from which if we identify the age group, almost 10% are the age
group of 20-25, almost 49% are the age group of 25-35, the group belongs to employers
and young entrepreneurs, almost 30% are the age group of 35-55, and about 11% are
belonging to the group of above 55, the group consists of advisors and few retired
employees.

Here from this sample of 100, which 28% are Entrepreneurs, 28% are Individual Finance
Advisors and retail investors and remaining about 44% of our Employees from many
organizations of private sectors.

4. Preferable period of investment?

 Respondents Short Term Long Term TOTAL
Entrepreneurs 7 21 28
Employees 12 32 44
Advisors and 7 21 28
others

Analysis:

From the Individual’s point of view out of 100, 26% of them responded short term as
their preference; they don’t want to spend much time because they want quick returns
even though they are small in number. And rest 74% of them mentioned as long term,
because people believe that long term plans will give decent returns as compare with
others. Many of the suggested that when you are waiting for long term obviously it will
fetch and able to provide a decent profit. Some of them mentioned only long term,
because they want to use those returns after some time, let’s say after few years, and
when they made this statement this is quite clear that people expecting some long term
objective to be done. From this it can be identified that people looking forward for extra
new more areas to pool their investments at a fixed rate of returns for a longer period.
And some of them suggested that if people looking for long term that’s good, because at
one particular stage risk would be zero and hence can enjoy real benefit of an investment.

Hence it is identified that short term perspective will give returns but risk will be high,
because market conditions are volatile and it cannot be predict, it only can be anticipated.
It is clear indication that everyone seems to have better understanding of markets with
reference to their terms.
 Chart Title
35

30

25

20
Axis Title
15

10

0
Entrepreneurs Employees Advisors and others

Interpretation:

Sample of 100 investors and common question was raised about preferable period of
investment. Almost 74% of respondents opting for long term and only 26% respondents
are going for short term.

Here from this sample of 100, which 28% are Entrepreneurs, 28% are Individual Finance
Advisors and retail investors and remaining about 44% of our employees from many
organizations of private sectors.

5. Primary goal of your investment?

 Respondents Education House Retirement
Entrepreneurs 11 9 8
Employees 12 14 18
Advisors and others 4 9 15 100

Analysis:

From the individual’s point of view out of 100, 27% of them opted for education as their
primary goal. Many respondents have their individual opinion to this; hence it has found
that mutual funds are best possible way to invest. About 32% of them are looking
forward for a housing benefit; they set their target as fulfill their desire with house from
an investment. 41% of them are considering as retirement benefit, where they can enjoy
the benefit of returns after their retirement. It can be identified that most number of
respondents are looking for retirement benefit, and for liquidity. People have view that
going for retirement benefit is a better option, where they would like to enjoy the benefit
of regular income from mutual fund scheme. Most of advisors also do consider this
because they mentioned that they are looking for regular returns for longer period.

Hence, it is identified that more respondents are going for retirement benefit as primary
goal; from this it can conclude that mutual funds are better investment for long term
investors. And mutual funds are the best avenues to pool their investments.
 29%
Education
39% House
Retirement

32%

Interpretation:
Sample of 100 investors and common question was raised about primary aim of their
investment. 27% of respondents mentioned that their primary aim as Education of their
children, and 32% have clearly mentioned that they will be looking at the perspective of
housing benefit. And about 41% of respondents looking from the perspective of
retirement benefit.

Here from this sample of 100, which 28% are Entrepreneurs, 28% are Individual Finance
Advisors and retail investors and remaining about 44% of our employees from many
organizations of private sectors.
 6. % of return that you are expecting with desired anticipation of risk?

Respondents 10 – 15% 15 – 20% Above 20%

Entrepreneurs 9 14 5

Employees 10 16 18

Advisors and others 5 9 14 100

Analysis:

From the investor’s point of view out of 100, 24% of them responded that they are
expecting in between 10-15%, very limited respondents are expecting low returns as
such. About 39% of them are ready to take benefit of 15-20% of return from their
investment as they mentioned that when they are taking slight high risk, obviously will
have to look at good return. And almost 37% of them are looking at 20% or more return
that they are expecting from return. Co-relate with previous question of terms (Short and
long) entrepreneurs are looking for short term, except them remaining are looking for
long term. When I asked why? One of investors has mentioned, as long as investment
period goes investors will be in a position to earn decent returns from his investment. As
long it goes risk will be at zero level and investor will enjoy actual benefit of an
investment. It is identified that when people are opting for opting for 20% or more return
definitely has to wait for longer period. From this it can be analyses that investors
following same strategy when they are going for more % of returns.

Hence, it is identified that whenever there is an option for high return definitely one
should have to wait for longer the period, irrespective of market performance. From this
it can be stated that, wait till maturity of a fund to enhance maximum return.
 Chart Title

40
35
30
25
Axis Title 20

15
10
5
0
10 – 15% 15 – 20% Above 20%

Interpretation:

Sample of 100 investors and common question was raised about expected return from
their investment. Their opinion goes very similar up to some extent and then slight
variation. Quite number of responses says above 20% is what they are expecting, and
remaining respondents like to go for in between 10-20%.

Here from this sample of 100, which 28% are Entrepreneurs, 28% are Individual Finance
Advisors and retail investors and remaining about 44% of our employees from many
organizations of private sectors.
 7. Where would you like to invest in mutual fund?

Respondents 20-25 25-35 35-55 55 and above

Equity 9 12 4 0

Debt 0 2 8 12

Balanced 3 6 7 5

ELSS(Tax shield) 4 16 10 2 100

Analysis:

Overall if we look at it, maximum number of responses for tax schemes, almost 40% of
them are opting for this scheme specifically, and 22% of respondents going for balanced
fund, and where as 25% of them are going for an equity option, and rest only 13% are
looking at debt schemes. With the help of this we can summarizes that respondents are
well aware of schemes with prior to their respective age. This could help them in a better
way.
 16

14

12

10

0
20-25 25-35 35-55 55 and above

Equity Debt Balanced ELSS(Tax shield)

Interpretation:

Sample of 100 investors and common question was raised about investment area. Their
opinion goes very similar even though difference in their profession. Quite number of
responses says balanced and ELSS (Tax Shield).

Equity:

From an equity investment point of view, it is identified that most number of investors
opting for an equity investment is aged in between 20-35; almost 84% of people are
opting for equity as their preference. With the help of this study it is identified that aged
below 35 almost respondents are going for equity as their option, which is proved to be
best option for them.
Debt:

From debt point of view, age in between 20-35, almost no one is opting for debt as
investment option. Many of them believe that debt instrument is for those who are not
willing to take any risk. And if we see this from other angle almost 36% of people from
the above age of 35 are opting for debt. And almost 60% of people from the age group of
above 55 are going for debt as their preference.

Balanced:

From the above concept of balanced where combination of debt and equity is concerned.
Almost people have positive response towards balanced fund; almost 22% of overall
respondents mentioned their preferences as balanced fund, and specifically mentioned
that risk will be low from this particular scheme. From the above graph we can easily
understand that how investors are cautious about their investment plans.

ELSS (Tax shield):

From this it can be analysed that more number of respondents opting for (ELSS) only to
reduce tax burden. Most of responded are under the age of 25-55 and people working
different organization, if we see the variation, it is identified that more number of people
belongs to private sector, where they are getting healthy income, so as to minimize their
taxes people prefer this schemes.
 8. Important factors do you consider before choosing an investment?

Respondents Safety Steady growth Liquidity

Entrepreneurs 4 15 9

Employees 7 31 6

Advisors and others 3 21 4 100

Analysis:

From the individual’s point of view out of 100, 14% of they responded that they are
looking for safety returns from an investment, where investors very much cautious about
their individual plans. Almost 67% of them would like to go for steady growth. They
mentioned that when an individual looking at steady growth obviously will wait for
longer the period, and hence an investment will be done for long term. And one of the
respondents has suggested that once investment has been done, next step ultimately need
to look for steady returns. And about 19% of them are looking for liquidity, as some
respondents are from entrepreneurs, so they require liquidity at any moment, and rest
almost respondents will be opting for steady returns from an investment. From this study
it is identified that people are very cautious regarding their investment plans. Most of
advisors also suggest that better to look at steady returns rather than anything else.

Hence, investors feel that steady returns can beat further inflation, and if we look at risk
factor, at certain point of time risk of an individual investment will be zero, and will have
a decent returns from an investment.
 35

30

25

20
Axis Title
15

10

0
Safety Steady growth Liquidity

Interpretation:

Sample of 100 investors and common question was raised about factors do they consider
before investment. Almost 70% are looking from the perspective of steady growth, where
as only 10% with safety, and almost 20% are looking from the point of liquidity.

Here from this sample of 100, which 28% are Entrepreneurs, 28% are Individual Finance
Advisors and retail investors and remaining about 44% of our employees from many
organizations of private sectors.
 9. Interested fund houses to invest.

Aditha birla HDFC Reliance Others

Respondents 28 22 18 32

Analysis:

From this table it can be analyses that there are many number of players who are
performing in the market. But if we see their ratings as per respondent’s preference
almost 28% says Franklin Templeton provides better facilities comparative with others.
And at the same time investors do consider brand value too. Some of the other
respondents about 22% say that HDFC mutual fund is doing well in the market. There are
respondents from other than Andhra Pradesh who responded as HDFC doing well in the
market. Whereas 18% of respondents says Reliance Mutual fund is doing well in terms of
rendering their services as well as customer service. Other respondents about 32%
responded as other players such as Birla, DSP Black rock, Fidility, ICICI, Sundaram etc.
If we see as a whole almost players are performing well in the market, because of huge
competition from others. So they are competitors of each other.

Hence it is identified that always customer’s preference would be better service provider,
because they expect something in return. Basically from these fund houses people are
expecting good communication of every activity, research based data, problem solving
etc, depends upon which rating has been done.
 Respondents

32
28

22
18

DEAL MONEY HDFC Reliance Others

Interpretation:
Sample of 100 respondents where similar question was raised about interested fund
houses to invest. There were many options for them, based upon their services people
preferred one or another fund house.
 10. Are you satisfied with your investment options?

Respondents Yes No Total

Entrepreneurs 27 1 28

Employees 41 3 44

Advisors and others 26 2 28 100

Analysis:

From the individual’s point of view out of 100, 94% of them responded that they are very
much satisfied with mutual fund investment. And they are quite comfortable with kind of
facility provided by AMC’s. Most of respondents have mentioned that industry doing
well, and fund houses also reaching individual expectations in terms of services. Only
few respondents were unhappy with mutual fund investment because of their personal
reasons. And only few told that they had bad experience with the investment. Almost
advisors are satisfied with it and many of them suggesting others to invest in mutual
funds.

Hence, it is identified that, almost all respondents quite satisfied with services offered by
various fund houses, and mutual fund performance. So this made a clear statement that
all investors are very much satisfied with mutual funds.
 45
40
35
30
25
Axis Title
20
15
10
5
0
Entrepreneurs Employees Advisors and others

Interpretation:

Sample of 100 investors and common question was raised about satisfaction level from
mutual fund investment. Almost 95% of respondents are satisfied with mutual fund
investment and where as only 5% respondents are not satisfied with the mutual fund
investment. This is only due to their personal experience as they mentioned.

Here from this sample of 100, which 28% are Entrepreneurs, 28% are Individual Finance
Advisors and retail investors and remaining about 44% of our Employees from many
organizations of private sectors.
 11.Primary goal of your investment?

Respondents Education House Retirement

Entrepreneurs 11 9 8
Employees 12 14 18
Advisors and others 4 9 15 100

Analysis:

From the individual’s point of view out of 100, 27% of them opted for education as their
primary goal. Many respondents have their individual opinion to this; hence it has found
that mutual funds are best possible way to invest. About 32% of them are looking
forward for a housing benefit; they set their target as fulfill their desire with house from
an investment. 41% of them are considering as retirement benefit, where they can enjoy
the benefit of returns after their retirement. It can be identified that most number of
respondents are looking for retirement benefit, and for liquidity. People have view that
going for retirement benefit is a better option, where they would like to enjoy the benefit
of regular income from mutual fund scheme. Most of advisors also do consider this
because they mentioned that they are looking for regular returns for longer period.

Hence, it is identified that more respondents are going for retirement benefit as primary
goal; from this it can conclude that mutual funds are better investment for long term
investors. And mutual funds are the best avenues to pool their investments.
 29%
Education
39% House
Retirement

32%

Interpretation:
Sample of 100 investors and common question was raised about primary aim of their
investment. 27% of respondents mentioned that their primary aim as Education of their
children, and 32% have clearly mentioned that they will be looking at the perspective of
housing benefit. And about 41% of respondents looking from the perspective of
retirement benefit. Here from this sample of 100, which 28% are Entrepreneurs, 28% are
Individual Finance Advisors and retail investors and remaining about 44% of our
employees from many organizations of private sectors.