Investment Patterns of Individual Investors A Comparative Study of Punjab and Haryana

Abstract

Money plays an important role in one s life especially in modern world in which everyone wants to enjoy a king size life. In order to overcome the present and future problems, everyone wants to attain money for this investment is the foremost source to attain money. Investment is the employment of funds with the objective of receiving a return on it. In finance, investment means the purchase of a financial product with an expectation of positive returns in the future. Investment by individual investors is the commitment of funds which have been saved from current consumption with the hope that some benefits will received in the future. Saving of the people is invested in assets depending on their risk perception and expected return demanded. Investment referred to the deferred consumption, which involves purchasing an asset, giving a loan or keeping funds in a bank account with the aim of generating future returns. newlineToday, investors have various attractive investment options with different features matching their needs, not only in India but also in the global markets. Since there are various investment options available with varying degrees of risk-reward trade-offs.But it generates obscurity among individuals about the selection of best one. Therefore, for an effective decision an individual investor must explore, where and how much to invest. newlineThe word investment is directly related with economy development. The way people of particular economy invested the development of that economy automatic articulate its level.The main purpose of the study is to access investment patterns of individual investors in Punjab and Haryana. Basically, Punjab and Haryana is agro-based economies and have good contribution in India s national income and also ranked as 13th and 15th place on country s GDP and play significant role for Indian economy. There is great need to study investment patterns of individual investors of particular that regions. newlinePresent study comprised with 10 major populated cities of both states namely a