A study on factors influencing investment decision of bank employees

Investments are made with a confirmed objective of maximizing the wealth. Investors have to make coherent decisions for maximizing their returns based on the available information. Investors are unique and a highly heterogeneous group. Hence investment selection also widely differs. Hence keeping this in mind, this study is an attempt to find out factors that affects individual investment decision and differences in the perception of investors in the decision of investing on basis of Gender and on the basis of Age. The vulnerability of markets has led to increased uncertainty and unpredictability, as market conditions cannot always be judged with the help of standard financial measures and tools. Individual investments behaviour is concerned with choices about purchases of small amounts of securities for his or her own account. Investment decisions are often supported by decision tools; It is assumed that the factors in the market analytically influence individuals’ investment decisions as well as market outcomes. Data collection is made from 160 bank employees with the help of structured questionnaires. The data has been analysed using percentage analysis with the help of statistical tools. The findings from this research would provide an understanding of the various decisions to be made by investors based on the prevailing factors and the eventual outcomes for each decision and would identify the most influencing factors