A Study on Factors Influencing the Choice of Individual Interest in Investment Portfolio
Mr. Naveen Kumar. A
MBA (Finance and Marketing) Student, Reg.No:43410523,
School of Management Studies,
Sathyabama Institute of Science and Technology, Chennai, TamilNadu.
Dr. Rajeshwari
Assistant Professor
School of Management Studies,
Sathyabama Institute of Science and Technology, Chennai, TamilNadu.
ABSTRACT
This study focuses on understanding how people decide where to invest their money and what factors affect those decisions. Choosing the right investment is very important for anyone who wants to reach their financial goals, whether it's saving for the future, buying a house, planning for retirement or growing wealth over time. The study explains that investment choices are not the same for everyone they depend on many personal factors. Some of the main things that influence how a person invests include their age, how much money they earn, how much risk they are willing to take, how much they know about financial matters, and how aware they are of what’s happening in the market. For example, a young person who has just started working might be open to taking more risks because they have time to recover from any losses, while an older person nearing retirement might prefer safer investments. Similarly, someone with a high income or good financial knowledge may be more confident in making complex investment decisions, while someone with limited income or financial education may be more cautious. Because everyone is different, the study says it is very important to create an investment plan or portfolio that matches each individual’s personal situation, goals, and comfort with risk. A one size fits all approach does not work well in investing. The study combines both ideas from theory and practical advice to help regular investors and financial planners make better decisions. By understanding these influencing factors more clearly, people can choose smarter investment options that are more likely to help them reach their financial goals in a safe and effective way.
Keywords: Investment portfolio, Investment decisions, Financial goals, Risk tolerance, Income level, Age, Financial literacy, Market awareness, Individual preferences, Demographic factors, Psychological factors, Economic factors, Social factors, Personalized investment, Investment strategy.
