Introduction
About the company:
Axis Bank started its operations in 1994 and now it is the third largest among the private sectors bank in India. Its registered office is located in Ahmedabad. It provides services to large corporates, mid-sized corporates, MSME and Retail Businesses. Some of its main competitors are HDFC Bank, ICICI Bank, Kotak Mahindra Bank, etc. Its net income is Rs.6217crores which is after ICICI Bank and HDFC Bank.
Its current interest income is 4,640,649 USD. Its current capital adequacy ratio is 25.99% and core tier 1 ratio is 18.03%. Its corporate wholesale banking offers services to mainly corporates, syndicates and placements, corporate advisory services. It also offers credit funds project appraisals, cash management
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This includes several classes of funds such as Diversified Equity funds, Index or sector funds.
3) Nature of income Distribution: Dividend or Growth
Dividend-Investor who chose to receive dividends may chose this option. The periodicity and quantum is at the discretion of the fund.
Growth-The number of units remain constant whereas NAV would move according to underlying.
Life Insurance Company:
It is key to good financial planning. On one hand, it safeguard’s clients’ money and on the other it ensures its growth and provide with complete financial well-being .These are categorized into two types traditional plans and Unit Linked Plan (ULIPs).
Axis is registered agent of Max Life Insurance Company Ltd for distribution of life insurance product via IRDA (Insurance Regulator and Development authority).
The income varies depending on the product in each category, tenure and the amount of premium and premium paying terms. The product offering include
• Max Life Forever Young pension Plan
• Max Life Fast Track Super Plan
• Max Life super Term Plan
• Max Life Guaranteed Lifetime Income Plan
• Max Life Life perfect Partner Super
• Max Life Life Gain
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A 10 question questionnaire is given to the customer and each question has a weight attached to it the sum total of the weight will give the final score of the profiler based on the score the customer will be classified into conservative, moderate and aggressive.
Now based on the category into which customer is allocated he/she will be given a model portfolio. It all basically depends on the risk appetite of customer that he will be recommended to own either more of equity or debt in the portfolio customer’s investment will be done.
Research Objective and Scope
Research Objective
To know the investment perception of Semi – Urban Areas Investors, their preference and psychology towards mutual funds.
Other Objectives:
• To know how the investment perception of Semi – urban areas Investors is differ from Urban Areas Investors on the basis of : o Preference of the portfolios o popular Saving/Investment tool used by
Student Answer: Professional management and diversification are the major reasons investors purchase mutual funds, as well as they are easy to invest in for beginning investors or those who lack large amount of money as required by other types of investments. Investment companies are employed with experienced and profession fund managers who research and devote a lot of time to finding the perfect securities for their investment portfolios. The diversification allows for gains, even in a loss, because one investment in a mutual fund can offset the loss of another by it’s gains. Basically, your investments are scattered around and offer somewhat of a safety net for your
By Morningstar, Inc. concentrating more on mutual funds, rather than stocks and bonds would be a positive move for the business because they will be assisting more individual investors who are having a problem making a decision regarding how to invest (Ferrell, et al., 2016). Furthermore, mutual fund investments are the best investment for clients who are too busy to do their own investing in the market (Ferrell, et al., 2016).
During the decade of the 1990’s through the year 2001 there were some major shifts in the deployment of investment assets. Based on a variety of measures, mutual funds grew dramatically as vehicles for investing in portfolios of stock. Specifically net cash flows into equity funds grew from $13 billion in 1990 to $310 billion in the year 2000.1 During that same period the number of equity funds rose from 1,100 to 4,395, while the number of accounts in those funds increased from 22 million to 162 million. The cumulative effect of the new money injected into equity funds, together with reinvestment of dividends, plus the attendant stock price appreciation has produced a phenomenal growth in total net assets. The market value of those assets mushroomed from $239 billion in 1990 to $3,962 billion in 2000.
Answer of the question one will give overview progress, update of the primary asset. Financial and performance information needed as major part of the investment planning phase. The investment decision making is then determined by Question two, where the answer will provide in brief the levels of servi...
HSBC has various risk and benefits with its tagline of the “World’s Local Bank.” Some of the risks they face are the delicacy of entering into a new area and process of how they enter into these markets. HSBC has to be very careful about what markets they try to enter. Coming into a small market with the tagline “World’s Local Bank,” may be taken the wrong the way. I know from experience, especially in my town and surrounding area that when a large well known bank comes in that the local small banks take a hurt. Though some people leave these small banks to join the new ones a majority of people feel overwhelmed by the presence of the large banks. HSBC needs to be careful to do the necessary research before entering into a new market especially
According to Investopedia (Asset Allocation Definition, 2013), asset allocation is an investment strategy that aims to balance risk and reward by distributing a portfolio’s assets according to an individual’s goals, risk tolerance and investment horizon. There are three main asset classes: equities, fixed-income, cash and cash equivalents; but they all have different levels of risk and return. A prudent investor should be careful in allocating each asset class to his portfolio. Proper asset allocation is a highly debatable subject and is not designed equally for everybody, but is rather based on the desires and needs of the individual investor. This paper discusses the importance of asset allocation, the differences and the proper diversification within the portfolio.
Equity bank will faces political, economic and financial risks associated with setting up operations and thereafter when operating in Zimbabwe. Whichever strategy Equity Bank selects for expanding into Zimbabwe, either by building operations from scratch for acquiring existing lenders (which should be the preferred method), they face heightened political and economic risks. These risks will hinder them from fulfilling their objectives of expanding the operations and they may not be able to satisfy their shareholder expectations of profit maximizations. There are few other specific challenges and risks are explained below.
AMC should be approved by SEBI and should enter into an agreement with the trustees of the mutual
Nearly three quarters of all U.S. households invest in the stock market. And half of all U.S. households invest in mutual funds—the nation’s fastest growing type of investment. Some investors are saving for a comfortable retirement, other’s for a child’s education. Whatever their goals, shareholders benefit from broad diversification, professional investment management, and ready access to their money. If one decided investing was a sound way to secure their financial future, their next step is to build a balanced portfolio by selecting an investment company and/or suitable investment types. While it may seem daunting—and even overwhelming—there is always someone who stands ready to help an investor.
In addition, this study can help managers and investors to plan their investments so that they can sustain and maintain competitive in the market. This study also shed light to the audience
Individual investment behavior has recently attracted a great deal of attention from researchers in the fields of economics, psychology, and marketing. The literature review will include four areas: (a) psychological factors that affect investment tendency, (b) knowledge literacy that affect investment tendency.
This assignment is concerned with your understanding of the key issues relative to portfolio analysis and investment. In completing this assignment you are to limit your scope to the US stock markets only. Use the Cybrary, the Internet, and course resources to write a 2-page essay which you will use with new clients of your financial planning business which addresses the following issues and/or practices:
The literature review will include four areas: (a) motivation in investment tendency, (b) emotion in investment tendency, (c) financial literacy in investment tendency, and (d) risk awareness in investment tendency. Individual investment behavior has recently attracted a great deal of attention from researchers in the fields of economics, psychology, and marketing.
Mutual funds will let small investors have more choices than they would have when investing on an individual level. The money from several investors is invested in different companies so that the risk is minimized. The strategy in this type of investment is to assure that a profit is made from some of the businesses so that if one should fail, others will still do well. You should really research where your money will be going and what kind of track record the businesses have had in terms of gains before investing.
Our understanding and the concept of investment in behavioural finance combines economics and psychology to analyse how and why investors make final decision. As an investor one’s decision to invest is fully influence by different type of attitudes of behavioural and psychological ( Ricciardi & Simon, 2000). Yet, in order to maximize their financial goal, investors must have a good investment planning. Furthermore , to gain a good investment planning , there must be a good decision making among investors. They have to choose the right investment plan I order to manage the resources for different type of investments not only to gain profit wise but also to avoid the risk that occur from investment.