Ms. N. Nikshitha, Dr. G. Ramesh
Department of Management Studies, Vardhaman College of Engineering, Shamshabad, Hyderabad. Telangana
Abstract
Salaried individuals form a significant segment of the investing population, yet their investment behaviour, preferences, and decision-making patterns are influenced by unique financial constraints and risk perceptions. This study examines the investment analysis of salaried people with the objective of understanding their awareness levels, preferred investment avenues, factors influencing investment decisions, and challenges faced in financial planning. Primary data were collected through a structured questionnaire and analysed to identify trends in savings habits, risk tolerance, and portfolio choices. The findings reveal that while most salaried individuals recognize the importance of investing for long-term financial security, their actual investment decisions are often shaped by limited financial knowledge, low risk appetite, and the influence of peers or financial advisors. Traditional investment tools such as fixed deposits, insurance, and gold remain popular, though there is a growing interest in mutual funds and systematic investment plans (SIPs). The study highlights the need for increased financial literacy, customized advisory support, and accessible investment platforms to promote informed decision-making among salaried earners. Overall, the research provides insights that can help financial institutions design better investment products and assist individuals in achieving long-term wealth creation.
Keywords: Investment Behaviour, Salaried Individuals, Financial Literacy, Investment Decision-Making, Risk Tolerance, Saving Behaviour, Personal Finance, Investment Preferences, Mutual Funds, Systematic Investment Plans (SIP), Stock Market Participation
Journal Name :
EPRA International Journal of Climate and Resource Economic Review (CRER)

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Published on : 2025-12-20

Vol : 13
Issue : 9
Month : December
Year : 2025
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