A study of Interest Rates patterns and its impact on investment personality of an Individual: Evidence from Experiments in India

Dr. Prashant Vijaysing Patil; Dr. Rakesh Sonaji Patil

Volume : VII, Issue : IV, April - 2018

A study of Interest Rates patterns and its impact on investment personality of an Individual: Evidence from Experiments in India

Dr. Prashant Vijaysing Patil, Dr. Rakesh Sonaji Patil

Abstract :

In India, usually all investment avenues professed risky by the investors. The main features of investments are security of principal amount, liquidity, income stability, approval and easy transferability. Investment avenues are available such as shares, bank, companies, gold and silver, real estate, life insurance, postal savings and so on. The required level of returns and the risk tolerance decided the choice of the investor. The investment may be differ choices from national savings certificates, provident fund, mutual fund schemes, insurance schemes, chit funds, bank fixed deposits, and company fixed deposits, company shares, bonds /debentures, government securities, postal savings schemes and real estate.

It would be concluded that in this fast affecting world, we save get extra money. Added risk directs to more profit. For the example total liquidity, income stability a variety as shares, bank companies, gold and silver, real estate, life insurance postal etc., but, most of the people preferred bank deposit by the cause of more respondents invested for purchasing home and long-term growth but, most of the investors could not aware to investing their money in mutual funds and shares. More of debate and confusions in the investment pattern, investment avenues. Therefore, in this paper, the researcher wants to check the earlier research work based on investors among the investment avenues to get an idea about the investment pattern.