INVESTMENT PREFERENCES OF WORKING PROFESSIONALS IN URBAN AREAS

Abstract

The investment landscape in India has undergone a significant transformation in recent years, especially with the rising participation of urban professionals in diverse investment avenues. This research project titled “Investment Preferences of Working Professionals in Urban Areas” aims to study the key factors that influence the investment behaviour and preferences of salaried individuals living in urban regions. The objectives of the study include identifying the preferred investment instruments, understanding the risk tolerance levels, analysing the role of income, age, and financial literacy, and evaluating the impact of digital platforms on investment decisions. A structured questionnaire was developed and circulated among 20 working professionals aged between 25 to 35 years residing in metropolitan cities. The study employed statistical tools like percentage analysis and graphical representation to analyze the collected data. The findings reveal that mutual funds, fixed deposits, and stock markets are the most preferred investment options. Respondents showed a moderate risk appetite, with financial security and wealth accumulation being the major motives for investment. Furthermore, the research highlights that online platforms and mobile apps play a significant role in influencing investment decisions. The study concludes with practical suggestions for financial advisors, institutions, and policymakers to better cater to the evolving preferences of urban investors. This project contributes to the growing body of literature on investor behaviour in urban India and provides valuable insights for enhancing financial services and literacy among working professionals.