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Dear Sir/Madam,
My study for Ph.D is on the investment pattern of employees. I would very much
appreciate your co-operation in responding to the questions below. All answers in this
questionnaire are used for academic purpose only and will be kept confidential. Kindly co-
operate and help me to complete the research successfully.
I. Profile:
1. Age a) 20 30 b) 31 40 c) 41 50 d) above 50
5. Organisation/Institution working:
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3. Type of Investment:
1) Long term (greater than 3 years) 2)Medium term (1 to 3 year) 3) Short term (less than 1 year).
4. Of your savings, what proportion of it is saved for Long-term, medium and short term? a)
10:20:70 b) 20:30:50 c) 30:40:30 d) others please specify
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Expected Received
Less than 20% Above 20% Less than 20% Above 20%
a) Spouse income
c) Agriculture income
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1. What is the approx total annual saving for the last three years? (including all kind of
investments) Please specify the amount of investment
2006-07
2007-08
2008-09
2009 - 10
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2007-08
2008-09
2009-10
2010-11
POMIS
PORD
NSC
PPF
KVP
4. When have you started investing in small savings since ______________ years.
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N.A
8. Suppose fund is given to you now, how will you allocate your fund on different avenues
of investment? Specify in %
a) Land and Buildings ______ b) Post office securities _______ c) Bonds and
debentures ______ d) Private investments like chits _______ e) Gold and Bullion
______ f) Bank deposits ______ g) Shares ______ h) Mutual funds _______
9. Why do you want to invest in the various invest catagories?
Factors L&B Gold Shares NSC FD Debt MF Chits
Appreciation
No
depreciation
Liquidity
Safety
Regular
income
Less
transaction
cost
Risk
protection
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Less
procedure
Less
maintenance
expenses
Chances for
savings
Long term
investment
Utility value
Prestige
10. What is the average annual rate of return in you get from different types of investment
you have ?
a) Land and Building _____ b) Gold and Bullion _______ c) Post office securities
________ d) Bank deposits ________ e) Bonds and debentures _______ f) Shares
________ g) Private investment like chits _______ h) Mutual funds ______ i) Other
investments (Please specify) __________
Just I Know
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I have expert
knowledge
Not aware
12. Following list contains some common sources of information that investor use in
making investment decision. Please rate each of them in terms of their usefulness to
you, where
1 almost always useful 2 generally useful 3 occasionally useful 4 never useful.
1 2 3 4
Newspaper
TV/radio
Relatives
Investment consultants
Magazines/journals
Expert opinion
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Family members
Relatives
No one
Professional associations
Friends/colleagues
Agents
Expert opinion
14. For each statement given below, please indicate your answer by a tick in the appropriate
box which best describes your feeling.
Motives of saving Very Strongly Agree Disagree Strongly
strongly agree disagree
agree
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1. You save to
reduce tax
2. Consistency of
return
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4. Problem of
Liquidity
5. Procedure for getting
regular return is simple
in postal schemes
6. Investment
information available
7. I am comfortable with
service provided by
invest agents
16. What are the reasons for investing in small savings securities like NSC and PPF, if you
have more than one reason rank them according to order of priority?
a)To save tax _____ b) High return ______ c) Consistent return _____ d) High safety
________ e) National interest _______ f) Easy to operate _________.
17. What are the inconveniences and discomforts you have in investments?
(Pl. rank) a) Long term _____ b) Less awareness ______ c) Low return _______ d)
Poor service ________ e) Inconvenient to operate _________ f) Liquidity _____
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1. I take decision on
saving after
getting
2. I consult my
family members
before taking
investment
decision
3. I make my
investment
decision on my
own
4. I prefer
investment where
there is no loss in
capital
5. I review my
investment
decision
frequently
6. I feel I am making
good investment
decision
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1.Betterment of servicing of
investors attracts more
investor towards
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6.Range of portfolio of
investment to be increased to
minimize risk and maximize
return
habit
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