Nalina KB and Savin KV
Savings of an individual is determined by his/her ability and willingness to save. Saving always comes first. Think of it as the foundation upon which your financial house is built. In a developing economy, majority of household savings are parked in financial rather physical assets. The most common form of Investment Avenue to the Indian investor is bank deposit, and the flow of household savings to the capital market is low. Though Indians are habituated with a high degree of saving, they are not ready to invest in financial assets, particularly in capital market securities. The question is why? The collection on small savings schemes are also comparatively less than bank deposits with similar term and features. Is it due to the very nature and characteristics of the investors or is it due to some criteria preferred by them while making an investment? The study has tried to find out answers to the above questions by conducting surveys among various investors. It also segmented the investors based on the criteria they consider while choosing an investment avenue and to know the characteristics of each segment of investors.
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