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QUESTIONNAIRE

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QUESTIONNAIRE

A STUDY ON INVESTMENT PATTERN OF EMPLOYEES

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

2. Gender : 1. Male 2. Female

3. Marital Status: 1. Married 2. Unmarried 3. Divorced 4. widow

4. Educational qualification: a) HSC b) UG c) PG d) Professional e) Others

5. Organisation/Institution working:

6. Type of Organisation: 1. Private 2.Government.

7. Years of Experience: a) Less than 5 Years b) 5 10 years c) 10 15 years d) More than


15 years.

8. Nature of Organisation: 1) Service 2) Education 3) Finance/Banking 4) Others

9. Level of Designation: 1) Top Level 2) Middle Level 3) Lower Level

10. No. of dependants in the family: a) Below 3 b) 3 5 c) Above 5

11. Family Size: 1) up to 3 2) 4 to 6 3) Above 6

12. Monthly Income: 1) Less than Rs.10,000 2) Rs.10,000 to Rs.30,000 3)

Rs.30,000 to Rs.50,000 4) above Rs.50,000

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II. Investment attributes:

1. Where do you get investment information?

1) Friends 2)Relatives 3)Newspapers 4) Consultants 5)others 6)TV 7) ads h) internet.

2. What is the proportion of savings and expenditure in your earnings? Savings:Expenditure.

1)10:90 2) 20:80 3) 30:70 4) 40:60 5) 50:50.

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

5. Objective of your investment: Rank ( 1, 2, 3,.)

1) Safety 2) Liquidity 3) Return 3) Reliability 4) Low risk 5) Other factors

6. Your Knowledge on various types of investment and the investments made.

Type of investment Awareness (please tick) Investment made


in Rs.

1. Real estate 1. Yes 2. No If yes, investment


made in Rs.

2. Shares 1. Yes 2. No If yes, investment


made in Rs.

3. Gold 1. Yes 2. No If yes, investment


made in Rs.

4. Mutual funds 1. Yes 2. No If yes, investment


made in Rs.

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5. Post office 1. Yes 2. No If yes, investment
made in Rs.

6. Bank fixed deposits 1. Yes 2. No If yes, investment


made in Rs.

7. Debt securities (Bonds etc) 1. Yes 2. No If yes, investment


made in Rs.

8. Fixed deposits with 1. Yes 2. No If yes, investment


company made in Rs.

9. Insurance policies 1. Yes 2. No If yes, investment


made in Rs.

10. Futures/options/derivatives 1. Yes 2. No If yes, investment


made in Rs.

11. Provident fund 1. Yes 2. No If yes, investment


made in Rs.

12. Contributions to chits 1. Yes 2. No If yes, investment


made in Rs.

13. Deposited with private 1. Yes 2. No If yes, investment


parties made in Rs.

14. Others (Please specify) 1. Yes 2. No If yes, investment


made in Rs.

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7. Have you borrowed money for investment from banks etc. if yes,

From where Bank Financial Friends Others (Please


Institution specify)

How much Less than 10,000-50,000 50,000 to 1 Above 1 lakh


10,000 lakh

Term Less than 1 1-3 years Above 3 years -


year

Investment Less than 10% 10 20 p.a Above 20% -


p.a p.a

Security given Yes No - -

8. How frequently you change your investment?

1. 1 month 2. 1-6 months 3. 1 year 4.above 1 year.

9. What rate of return on investment you expect and got?

Expected Received

Less than 20% Above 20% Less than 20% Above 20%

10. What are the other sources of income do you have?

Sources of Income Amount per month (Rs.)

a) Spouse income

b) Income from children

c) Agriculture income

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d) Income from parents

e) Rent from house

f) Other income (specify)

11. How much is your monthly commitment for expenses/investment?

a) Your family expenses per month Rs.

b) Your education Rs.

c) Childrens education Rs.

d) Medical expenses including children and parents Rs.

e) Installment payment for loan borrowed Rs.

f) Payment to unorganized investment like chits Rs.

g) Savings like (PORD, Bank RD, Insurance Premium) Rs.

III. Investment Analysis:

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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2. Please state what is your investment in various small savings securities in the last three
years (if invested)
Year POMIS PORD KVP NSC PPF TOTAL

2007-08

2008-09

2009-10

2010-11

3. So far have you ever invested in following small saving securities?


Type of Securities Yes No

POMIS

PORD

NSC

PPF

KVP

4. When have you started investing in small savings since ______________ years.

5. How many LIC policies do you have for your family?


a) On your name b) On your spouse c) for children

6. How frequently do you invest in securities?


a) Once in a year b) Every month c) Whenever I get lump sum amount d) Whenever the
market is good e) Whenever good opportunity comes.

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7. How much you gained or lost regularly of capital in that you invested? ( in terms of
percentage of investment)
Not applicable Loss (Rs.) Gain (Rs.)

N.A

In case of Loss have you switched to other alternate investment avenue?

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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Return

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) __________

11. What is your level of awareness in various small savings schemes?


Level of POMIS PORD KVP NSC PPF POSA
awareness

Just I Know

I Know all its


features

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I am having
thorough
understanding

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

Friends and colleagues

Relatives

Investment consultants

Brokers and agents

Magazines/journals

Expert opinion

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13. Who influences you in investment decisions?
Influenced by To a great To some To a To an
extent extent moderate insignificant
level level

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

1. You desire to build


reserve for unforeseen
contingencies

2. You desire to provide


for anticipated future
needs like old age

3. You desire to enjoy an


enlarged future income

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like interest and
appreciation

4. You desire to enjoy a


sense of independence
and power to do things

5. You desire to meet


gradually increasing
expenditure in order to
improve the standard of
living.

6. You desire to spend


less

7. You desire to pass the


fortune to next generation

8. You desire to carry


out speculation business

15. Factors determining savings:


Strongly Dis Neither Agree Strongly
disagree agree disagree agree
nor
agree

1. You save to
reduce tax
2. Consistency of
return

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3. Less risk

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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18. Your investment behavior Please tick the appropriate box.
Behaviour in Investing Strongly Dis Neither Agree Strongly
disagree agree disagree agree
nor
agree

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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7. I borrow money
for making
investment
8. Investment
decision do have
impact on life
style
9. I prefer
investment
opportunities with
potentially large
return even if they
are more risky
10. I am getting good
return because I
have taken
calculated
decision
11. Return is
determined by
external and
uncontrollable
factors
12. Having the right
investment is
important for
being accepted in
a group
13. Publicity gives
information and
help us to take

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good investment
decision
14. Agents are
pushing me to
make investment
15. I do save as and
when I get extra
income
16. Increase in
income is not
helping to
increase savings
17. Savings will
increase only
when there is an
increase in stable
permanent income
18. I save more when
the interest rate is
more.
19. I forego my
present
consumption for
the purpose of
future
consumption
20. Good investment
opportunities
induce behavior
investment.

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21. Technology
provides me
investment
information
22. I never withdraw
my investment
before maturity
23. I have never
pledged my
investment
borrowing
24. I never indulged
in any speculate
transactions.
25. I never put all
money in a single
investment option
26. Irrespective of
Inflation I will put
money in fixed
interest bearing
securities
27. The feel of thrill
is essential while
making
investment.

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19. Please tick the one response that best describe your usual saving behavior.
a) Save regularly, put money aside each month ____ b) Spend regular income and save
other income _______ c) Spend income of one family member and save the income
of other family members_________ d) No regular savings plan _______ e) Dont
save _______

20. Investor perception towards savings and investment:


Strongly Dis Neither Agree Strongly
disagree agree disagree agree
Perception
nor
agree

1.Betterment of servicing of
investors attracts more
investor towards

2.Consultants play a vital


role in mobilizing the savings
of people

3.Post offices play an


effective people in
mobilizing small savings
particularly from the middle
and poor classes in the rural
areas.

4.Investment tenure is very


significant in deciding the
return

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5.PPF is really helping the
unorganized sector

6.Range of portfolio of
investment to be increased to
minimize risk and maximize
return

7.Bank is a better place of


investment than in other
investment avenues

8. Household savings help


the economic development of
the country.

9. Govt. can give tax


exemption for all long term
investment

10. All Indians are having


good savings

habit

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