A STUDY ON INVESTMENT OF MUTUAL FUNDS IN DINDIGUL DISTRICT

PART -A PERSONAL DATA 1.1) 1.2) 1.3) Name : Sex : Male ( ) Female ( )

Age in completed years: Below 30 ( ) 31 - 40 ( ) 41 50 ( ) Above 50 ( )

1.4)

Academic Qualification : School Final ( ) Graduate ( ) Post Graduate ( ) Professional Degree ( )

1.5)

Marital Status : Married ( ) Unmarried ( ) Widow ( ) Widower ( ) Divorced ( )

1.6)

Occupation : Professional ( ) Business ( ) Salaried ( ) Retired ( )

1.7)

Annual Income in Rs: Below Rs 1,00,000 ( ) Rs 1,00,001 3,00,000 ( ) Above Rs 5,00,000 ( )

Rs 3,00,001 5,00,000 ( ) 1.8)

How much do you save annually(in Rs. Approx) Less than Rs 50,000 ( ) Rs 50,001 to 100000 ( ) Above Rs 100000 ( )

1.9)

Objectives of your saving are : To provide for Retirement To meet contingencies ( ) ( ) For tax reduction For childrens education ( ) ( )

1.10) What is your current preference of saving avenue? (Rank from 1 first preference to 10 last preference) Currency Life Insurance Shares Postal Savings Real Estate ( ) ( ) ( ) ( ) ( ) Bank Deposit Pension & Provident Fund Units of UTI & Mutual funds Chits Gold ( ) ( ) ( ) ( ) ( )

PART B INVESTMENT DETAILS 1) Have you invested in Mutual Funds? 2) Do you have an insurance policy? 3) Amount Invested in Mutual Funds O Below Rs.100,000 4) Why do you prefer a Mutual Fund? Savings Returns Diversification Risk Tolerance O Above Rs.100,000 O Yes O Yes O No O No

5) What do you think is the basic difference in investing in Mutual funds rather than Stocks? Savings Risk Tolerance e Diversification Tax Benefits

6) In which of the following have you invested? UTI Mutual Funds SBI Mutual Funds Others

Mention Others 7) How many plans have you invested in? Only one Two Three More than three

8) How did you come to know about the Mutual Fund you have invested in? Friends Relatives Media Newspapers

Others, please mention 9) What is the reason for you to select this mutual fund company? Reputation Provides good returns Experts Advice

Others, please mention 10) Your investment is for a period of < 1 year 1-2 years 3 years >3 years

11) Do you have complete knowledge of the Mutual Fund Industry? O Yes O Not fully O Not at all

12) What type of funds have you invested in? Equity Fund Index Fund Income Fund 13) What scheme have you taken? Open ended Close Ended Interval Debt Fund Asset Fund Liquid Fund Balanced Fund

14) What is the reason for selecting this Scheme? Returns Portfolio Risk Management Dividend

15) Have you made any investment analysis on the investment? Yes No

16) Have you made any portfolio analysis on the investment? Yes No

17) Are you sure about the risks related to the schemes? Yes To an Extent Not Sure

18) How do you prefer your Returns to be?

Positive

Negative

Doubled

No Returns

19) Which option do you prefer for your investment? Dividend Growth

20) How often do you monitor the following? (Please tick appropriate column) Monthly Performance of your investments (NAV) Risk factors Portfolio of securities Profile of Fund manager Quarterly Half yearly Yearly Never

21) Do you prefer a SIP (Systematic Investment Plan), why?

22) High Returns involve high Risks. Do you agree? Agree Partially Agree Disagree

23) Which of the following risks do you think are attached to your investment? Volatility Interest rate risk Credit risk Inflation Risk

24) Which of the options are provided for you for making payments? Direct Payment ECS Internet Executives at your door

PART C : AWARENESS 1) Please read the following statements and indicate your views by putting a tick mark in the appropriate square Yes No Do Not Know 1) Investment in M F helps you realize the benefits of stock Market

Investing.

2) M F investing gives a definite positive return. 3) Return of the Principle amount invested in any MF is assured. 4) MF returns and Principle are fully protected and guaranteed by Association of Mutual funds (AMFI)

5) Bank sponsored Mutual funds give a definite positive return which Is greater than Bank fixed deposits rate for a similar period 6) Entry and exit out of Mutual funds is easy 7) Due to professional investment, a good return can be expected of Mutual fund

8) Ups and downs of stock Market will not affect the return from MF. 9) There are many MF schemes to meet the varied needs of Investors.
10) AMFI protects the interests of MF industry and unit holders.

PART D ATTITUDE TOWARDS MUTUAL FUNDS

1) There are many qualities that could affect your selection of Mutual funds and Specific Schemes. Please indicate importance of the following in your decision.

Strongly Agree

Agree

Neutral

Disagree

Strongly Disagree

I. Fund Related Qualities

a) Fund performance record b) Funds reputation or brand Name c) Schemes expense ratio d) Schemes portfolio of investment

e) Reputation of the Fund Manager/ Scheme

f) Withdrawal facilities

g) Favorable rating by a rating agency

h) Innovativeness of the scheme

i) Products with tax benefits

j) Entry & Exit load k) Minimum initial investment II Fund Sponsor Qualities

A) Reputation of sponsoring Firm

B) Sponsor has a recognized brand name C) Sponsor has a well developed agency & network D) Sponsors expertise in managing money E) sponsor has a well

developed research & infrastructure F) sponsors past performance in terms of risk and return III Invertor related services

a) Disclosure of investment Objective in the Advertisement

b) Disclosure of periodicity of Valuation in the advertisement

c) Disclosure of the method And the periodicity if the Scheme sales and Repurchases in the offer documents

d) Disclosure of NAV on every Trading day

e) Disclosure of deviation of Investments from the Original pattern

f) MFs Investors grievance redressal machinery

g) Fringe benefits i.e., free Insurance, credit cards, Loans on collateral, tax Benefits etc.

h) Preferred MF to avoid Problems, i.e., bad Deliveries, and Unnecessary follow up with Brokers and companies.

2) Ranking of factors considered by investors while investing in mutual funds

Factors Expertise

Ranking

Safety Liquidity Diversification Tax benefit Regular income Regular savings High returns

3) Features that attracts the investors most while choosing a mutual fund
Features Past performance Ranking

Fund managers Name Portfolio Past dividend Entry/Exit load Stability of returns

ALL THE BEST