RETAIL INVESTMENT PATTERN OF SALARIED INDIVIDUALS

With the passage of time, the investment patterns of investors are changing. The present study aims to understand the investment patterns of salaried individuals, including their proportion of income invested, preference for investment, factors influencing investment decisions, sources of information about investment products and difficulties faced while selecting investment. The study finds that mutual funds are the top investment choice for salaried individuals, followed by fixed deposits and the capital market, with government schemes like EPF and NPS being less favoured. Safety of the principal amount is crucial in investment decisions, with investment apps, financial news and advisors as primary information sources. Higher income leads to a higher proportion of income invested and there is no significant gender difference in preferred investment avenues..