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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM65931
Volume:
10 |
7 |
Jul 2026
Pages:
1-12
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Master of Business Administration
Dr. Ambedkar Institute of Technology
Master of Business Administration
Dr. Ambedkar Institute of Technology
Expertly managed mutual funds let investors develop their cash via a diverse portfolio. This research analyzes investors' risk-return perceptions and investing decisions. A systematic questionnaire and statistical analysis showed that financial knowledge, income level, employment, and investment risk comprehension greatly affect investing behavior. Most respondents choose debt and hybrid mutual funds as moderate-risk options. Investor knowledge and financial education boost investment choices and mutual fund participation, according to the research.
KEYWORDS
The research shows that risk and return strongly influence mutual fund investments. Different age, income, and employment demographics affect investment behavior. Older investors favor safer assets for financial stability, whereas younger investors prefer higher-risk investments for better profits. Richer people are more confident in their investing decisions. Occupational background shapes financial goals and risk preferences. Middle-class investors are driving mutual fund growth, demonstrating a growing faith in mutual funds as a long-term asset vehicle. Investors are becoming more financially literate and aware of varied investment alternatives. Mutual funds are trusted for long-term asset accumulation and financial stability
[1] Perception of Investors about Mutual Funds: SIP Analysis in Bihar. (2024). Study on investor preferences towards Systematic Investment Plans and mutual fund investments in Bihar. [2] Indian Mutual Funds: A Literature Review. (2023). Review of factors influencing mutual fund investments, financial literacy, and investor behavior in India. [3] Murthy, K., Anjaneyulu, G., Bhatt, P., & Kumar, R. (2022). Performance Evaluation of Mutual Funds in India. Study examining mutual fund performance and investor perception based on risk-adjusted returns. [4] Akum, R., & Damor, P. (2021). Performance Analysis of Equity Mutual Fund Schemes in India. Research on consistency of returns and investor preference for stable growth-oriented funds. [5] Chopra, N. (2020). Benchmarking Mutual Fund Performance in India. Study focusing on risk-adjusted performance measures and investor decision-making. [6] Kumar, V., & Batra, S. (2019). Factors Influencing Investor Preference towards Mutual Funds and SIP Investments. Analysis of fund safety, growth opportunities, and disciplined investment behavior. [7] Raju, S., Manjunath, M., & Nithya, P. (2018). Mutual Funds as a Safer Investment Alternative: An Empirical Study. Research on diversification benefits and investor perception of mutual funds. [8] Swain, B. K. (2017). Investor Awareness and Risk–Return Perception in Mutual Fund Investments. Study highlighting the role of financial knowledge in investment decisions. [9] Jain, S., & Sharma, R. (2016). Investor Perception towards Mutual Fund Investments in India. Research examining investment security, returns, and reliance on financial advisors. [10] Kaur, I., & Kaushik, K. P. (2015). Factors Affecting Investor Behavior towards Mutual Funds. Study investigating the influence of risk perception, education, income, and investment preferences.
Publication Date
7/8/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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Conflict of Interest
The authors declare no conflict of interest related to this research work.
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