Study on Investment Pattern of Salaried Class People with Special Reference to Dehradun City

Author:Pankaj Kumar, Subhash Chandra

Abstract:
Investment patterns among salaried individuals are influenced by various factors, including income levels, financial awareness, risk appetite, and socio-economic conditions. This study aims to analyze the investment preferences of salaried professionals in Dehradun, focusing on their choice of financial instruments such as fixed deposits, mutual funds, stocks, insurance, and real estate. The research examines the factors affecting investment decisions, including risk tolerance, savings behavior, tax benefits, and long-term financial goals. A structured survey was conducted among salaried individuals from diverse professional backgrounds to gather primary data. The findings reveal a preference for low-risk investment options, with a significant inclination toward fixed deposits and insurance, while younger investors show a growing interest in mutual funds and equity markets. The study also highlights the role of financial literacy in shaping investment behavior. The insights from this research can help financial institutions, policymakers, and advisors tailor investment solutions that align with the financial goals of salaried individuals in Dehradun. Additionally, the study underscores the need for enhanced financial education programs to encourage informed investment decisions.

Keywords:Investment Patterns, Salaried Class, Financial Behavior, Risk Tolerance, Financial Literacy.

DOI:10.46333/ijtc/14/1/4

International Journal of Trade & Commerce (Vol: 14 Issue:1)