SIP PPTs

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“A STUDY ON PORTFOLIO MANAGEMENT OF HIGH NET WORTH

INDIVIDUALS WITH REFERENCE TO

IDBI FEDERAL LIFE INSURANCE CO. LTD.”

Corporate G!"e#$ Fa%&t' G!"e#$

Mr. A(a(" Ba()a& Pro*. Ter+a(! Go'a&

A))!)ta(t Bra(%, Hea"- a!pr Fa%&t'

IDBI Fe"era& L!*e I()ra(%e Co. Lt". FMS$IRM- a!pr

S/0!tte" B'#$

NEHA CHOUDHARY

PGDM

Ro&& No. 1231

BM4ULY45641741831

1

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INTRODUCTION

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 ofan individual or an institution or a single security, it is essential that every security be

viewed in a portfolio context. Portfolio analysis determines the future risk and return in

holding various blends of individual securities.

ut 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.

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OBECTIVES

!o know the factors that affects the investment decision of

investors.

!o know the criteria of investors asset allocation and their

dependency on market probable.

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Co0pa(' pro*!&e#$

IDBIFe"era& &!*e

!()ra(%e %o.&t".

"#"ank

ltd.

$ederalank

Ageas

4

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5

IDBI Ba(9 Lt". continues to be, since its inception, "ndia%s premier industrial development

bank. "t came into being as on &uly ', *+ to support "ndia%s industrial backbone.

As part of its development activities, "#" ank has been instrumental in sponsoring the

development of key institutions involved in "ndia%s financial sector -ational tock /xchange

of "ndia 0imited (-/) and -ational ecurities #epository 0td, 12"0 (tock 1olding2orporation of "ndia 0td), 2A3/ (2redit Analysis and 3esearch 0td).

Fe"era& Ba(9 is one of "ndia%s leading private sector banks, with a dominant presence in

the state of 4erala.

!he bank provides over four million retail customers with a wide variety of financial

products. $ederal ank is one of the first large "ndian banks to have an entirely automatedand interconnected branch network.

A:ea) is an international insurance group with a heritage spanning more than 5* years.

3anked among the top 6' insurance companies in /urope, Ageas has chosen to concentrate

its business activities in /urope and Asia, which together make up the largest share of the

global insurance market. !hese are grouped around four segments7 elgium, 8nited4ingdom, 2ontinental /urope and Asia and served through a combination of wholly owned

subsidiaries and partnerships with strong financial institutions and key distributors around

the world.

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RESEARCHMETHODOLOGY

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RESEARCH

METHODOLOGY

3esearch #esign

8niverse

ample i9e

!ools used for #ata

2ollection

#escriptive

3esearch

All the 1igh -et :orth

"ndividuals of "#"$ederal 0ife "nsurance of

&aipur

'' "ndividuals

;uestionnaire and

"nterview chedule 7

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ampling !echni<ue

#ate Analysis

Purposive

sampling

Percentage and

$re<uency

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LIMITATIONS

iases and noncooperation of the respondents.

=eographical selectivity in study limiting to

&aipur city only. People are not interested in giving personal

opinion.

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DATA INTERPRETATION

ANDANALYSIS

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"ncome earned by respondents

elow >lac >lac5lac 5lac'lac Above ' lac'

'

6'

?'

+'

>'

*'

?

@

>

6

$3/;8/-2

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Annual savings by respondents

less than 50000 50000-80000 80000-110000 Above 1100000

510

15

20

25

3035

40

45

10

16

43

31

FREQUENCY

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$actor considered before investing

Safety of Principal o! "et#rns $i%h "et#rns &at#rity Perio'0

5

10

15

20

25

30

3540

45

44

10

2224

FREQUENCY

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"nvestment hori9on

'

'

6'

?'+'

>'

*'

@'

5

22

63

10

FRE;UENCY

14

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15

A:e ra(:e o* re)po("e(t)

(n'er 30 30-40 40-50 &ore than 500

510

15

20

25

30

35

40

45

50

10

45

25

20

Frequency

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:illingness to take financial risks

0ow Bedium 1igh'

'

6'

?'

+'

>'

*'

10

54

36

FRE;UENCY

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2riteria of asset allocation of respondents

010

2030405060

7

59

34

Fre<e(%'

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Barket continuously drop, at that time7

Sell yo#r stoc) $ol' yo#r stoc) P#rchase *ore stoc)0

510

15

20

25

30

35

40

45

50

10

4347

Frequency

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Barket rise, at that time7

Sell yo#r stoc) $ol' yo#r stoc) Pirchase *ore stoc)0

10

20

30

40

50

6056

Frequency

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FINDINGS

>C investors earnings comes in the 5lac'lac bracket.

+?C respondents annual savings is 5''''''''. ++C respondents consider safety of principal in investment. *?C 1-"’s consider their time hori9on for investment '>

years.

+?C respondents are in the age of ?'+'. >+C individuals rate their willingness to take risk is

medium. >C individuals allocate their asset with blended portfolio

stability. +@C of respondents would purchase more stock if market

drops. >*C of respondents would sell their stock if market rise.

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SUGGESTION

2ompany can divide its customers portfolio into two categories7

A moderately aggressive portfolio satisfies an average risk tolerance,

attracting those who are willing to accept more risk in their portfolios in order

to achieve a balance of capital growth and income.

2onservative portfolio is to protect its value. !he allocation wouldyield current income, and would also provide some longterm capital growth

potential from the investment in high<uality.

A well diversified portfolio protects investor assets from the risks of large

declines and structural changes in the economy over time. Bonitor the

diversification of investor portfolio, making adDustments when necessary

and which will greatly increase chances of longterm financial success.

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