Investment may be defined as “a commitment of funds made in the expectation of some positive rate of return”. The essential quality of investment is that it involves waiting for a reward. Investment behavior refers to attitudes, perceptions, and willingness of individuals and institutions in placing their savings in various kinds of physical and financial assets commonly known as investment avenues. The investment behavior and pattern are different for different individuals and it depends upon the demographic attributes, return expectations, risk appetite, financial literacy, time horizon and several other quantitative and qualitative factors. Many studies have already been conducted on saving behavior of households, gender differences in knowledge and perception of investment, Investment risk tolerance, and perception about investment options and so on.This study intends to check the insight of Infopark employees to divert their hard earned money to various investment channels, by throwing light over the various commonly seen attributes that influence the investment decisions, their Investment objectives and the preference of the employees towards different Investment Alternatives. Objectives of the study are to assess the motives and factors influencing the investment decisions of employees at Infopark, to analyse the preference of employees on different investment avenues, to identify the relationship between risk tolerance level and investment motives and to assess the percentage of disposable income invested in each avenue by the employees. Primary data were relied on for the study besides secondary data for additional information. Data were collected from 35sample respondents from among the total population of employees of Infopark, Kochi, Kerala. Percentage tool, Weighted Rank, Karl Pearson’s Coefficient of Mean Square Contingency and Chi-Square test were used for data analysis.Study brought a conclusion that both Income Generation and Capital Appreciation motivate the employees to do the investment and Safety of Principal amount is the primary factor considered by most of them and Medical Benefits are the future purpose for which they desire to make investments.It further revealed that Bank Deposit is the most preferred Investment Avenue among the employees. The study further revealed that there is a low association between Investment Motives and Risk Tolerance Level and that Investors don’t significantly differentiate between various available Investment alternatives.
Nvestment Objectives, Investment Pattern, Motives, Preference, Risk Tolerance Level
