Company profile:-

Portfolio:

A portfolio is a combination of different investment assets mixed and matched for the purpose of achieving an investor’s goal(s). A portfolio is a collection of securities since it is really desirable to invest the entire funds of an individual or an institution or a single security. Combinations of securities that have high risk and return features make up a portfolio.

Portfolio Management:-A portfolio is a collection of securities since it is really desirable to

invest the entire funds of an individual or an institution or a single security. Portfolio analysis determines the future risk and return in holding various blends of individual securities. The main objective of portfolio management is to maximize the returns from the investment and to minimize the risk involved in investment. Moreover, risk in price or inflation erodes the value of money and hence investment must provide a protection against inflation. Investment in chit funds, Nidhis, company deposits, and in private limited companies has the highest risk. But the basic principle is that the higher the risk, the higher is the return and the investor should have a clear perception of the elements of risk and return when he makes investments.

COMPANY’S PROFILEIntroduction of IDBI Federal Life Insurance Co. Ltd. :-

IDBI Federal Life Insurance Co Ltd. is a joint-venture of IDBI Bank, in this venture, IDBI Bank owns 48% equity while Federal Bank and Ageas own 26% equity each having started in March 2008, in just five months of inception, and IDBI Federal became one of the fastest growing new insurance companies. IDBI Federal became one of the fastest growing new insurance companies by garnering Rs.100 Cr in premiums. Through a continuous process of innovation in product and service delivery IDBI Federal aims to deliver world-class wealth management, protection and retirement solutions that provide value and convenience to the Indian customer.

The company offers its services through a vast nationwide network 2,308 partner bank branches of IDBI Bank and Federal Bank in addition to a sizeable network of advisors and partners. As on 31st December 2013, the company has issued nearly 5.5 lakhs policies with a sum assured of over Rs. 32,110.48 crores.

Sponsors of IDBI Federal Life Insurance Co Ltd

Agency

IDBI Federal

life insurance

co. ltd.

IDBI Bank ltd.

Federal Bank

Ageas

SCOPE:Portfolio management is a process encompassing many activities of

investment in assets and securities. It is a dynamic and flexible concept and involves regular and systematic analysis, judgment and action. The objective of this service is to help the unknown and investors with the expertise of professionals in investment portfolio management. It involves construction of a portfolio based upon the investor’s objectives, constraints, preferences for risk and returns and tax liability. The portfolio is reviewed and adjusted from time to time in tune with the market conditions. The evaluation of portfolio is to be done in terms of targets set for risk and returns. The changes in the portfolio are to be effected to meet the changing condition 

Portfolio selection involves choosing the best portfolio to suit the risk return preferences of portfolio investor management of portfolio is a dynamic activity of evaluating and revising the portfolio in terms of portfolios objectives.

Objectives of the Study To get the overview of securities and investment. To get the knowledge of different factors that affects the investment decision of

investors. To know how investor is allocating their asset i.e. when and in which sectors they

are investing. Portfolio management services helps investors to make a wise choice between

alternative investments with pit any post trading hassle’s this service renders optimum returns to the investors by proper selection of continuous change of one plan to another plane with in the same scheme, any portfolio management must specify the objectives like maximum return’s, and risk capital appreciation, safety etc. in their offer

RESEARCH DESIGNThe research design specify that the methods and procedure that is followed for conducting a particular study. The type of research design applies here is simple random sampling.

SOURCE OF DATA COLLECTION There are two types of source of data which is being used for the

studies- Primary Source Data: - Primary data has been collected

through surveying and interacting with the policy holders of IDBI Federal Life Insurance, Jaipur

Secondary Source Data:- Secondary data includes information regarding present market scenario, information regarding investment and investor by Books, Magazines and Journal, IDBI Federal Life Insurance Official Documents, etc.

Tool of the studyThe study conducted about the portfolio management (asset allocation) of high net worth individual in the city so the method of data collection used “QUESTIONNAIRE”.

UNIVERSE Universe of the study conducted by the researcher is high net worth individuals of Jaipur of IDBI Federal Life Insurance Co. Ltd.

Questionnaire

Principal source of income?Return expect from portfolio investment?

At Stage wanted to retired?

1. Principal source of income

Self employed Professionals Salaried Retired0

5

10

15

20

25

30

35

35

2426

15

FREQUENCY

FREQUENCY

2. Return expect from portfolio investment

1 2 3 40

5

10

15

20

25

30

35

40

45

50

Chart Title

Particulars Frequency

3. At stage wanted to Retired

50-55 years 55-60 years 60-65 years Above 65

Frequency 24 37 18 6

2.5

7.5

12.5

17.5

22.5

27.5

32.5

37.5

Frequency

Axis Title

FINDINGSIn researcher’s study most of the investors consider

safety of principle while investing their portfolio.It is found that mostly HNI’s consider their time

horizon for investment 10-15 years .About 37% investors of researcher study are

investing in share market for more than 15 years, in which their main purpose of investment is growth, tax benefit, and then capital enhancement.

Around 53% individuals of researcher study rate their willingness to take risk is medium as they manage their portfolio by investing in both equity and debt fund.

ConclusionPortfolio modeling is a good way to apply analysis and evaluation

of a key set of stocks - those that the portfolio manager wants to own - to a set of portfolios in one

group or style. Portfolio modeling is an efficient link between equity analysis and portfolio management.

As the outlook for individual stocks improves or deteriorates over time, the portfolio manager only needs to change the weightings of those stocks in the portfolio model to optimize the return of all portfolios in the group or style. As long as the individual portfolio accounts are traded efficiently, the group will perform as a homogeneous element.

Portfolio management is the art and science of making decisions about investment mix and policy, matching investments to objectives, asset allocation for individuals and institutions, and balancing risk against performance.

SuggestionsIn today's financial marketplace, a well-maintained portfolio is

vital to any investor's success. As an individual investor, he/ she need to know how to determine an asset allocation that best conforms to their personal investment goals and strategies. In other words, investor portfolio should meet their future needs for capital and give you peace of mind. Investors can construct portfolios aligned to their goals and investment strategies by following a systematic approach