Indian URBAN HOUSEHOLDS:
INVESTMENTS AND SAVINGS BEHAVIOUR..!
From SEBI INVESTOR SURVEY 2015
KEY FINDINGS
Household awareness of savings
schemes is significantly higher than a cognizance of investment instruments.
Primary motivation for investing
is capital gains, closely followed by lifestyle improvement plans.
Nearly 15% of survey
respondents participate in securities markets.
Middle-income groups save more as
a percentage of their annual income than the highest income groups.
Clear inverse linear relationship
between income and debt levels;that is, as income levels increase, debt (as
percentage of income) falls.
The SEBI INVESTOR SURVEY data finds
that even among households that invest, it is education and occupation and not
factors such as age, household size or marital status that are primary drivers.
Successful outreach efforts have
created improved awareness and thus, most investors (66%) invest in
mutual funds rather than equities (55%).
There is a direct linear
correlation between higher education levels and superior porfolio diversification
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