AN EMPIRICAL STUDY ON INVESTORS ATTITUDE TOWARDS INVESTMENT WITH SPECIAL REFERENCE TOWARDS INVESTORS OF HOSHIARPUR CITY, PUNJAB.

All investments are risky, as the investor parts with his hard earned money. An efficient investor with a proper training can reduce the risk and maximize profits. Investors have a lot of investment avenues to park their savings. The risk and returns available from each of these investment avenues differ from one avenue to another. The investors expect more returns with relatively lesser risks. A proper understanding of money, its value, the available investment avenues, various financial institutions providing the facility of investments, the rate of return/risk, etc., are very important to successfully manage one?s finance for achieving future goal. Many people are not willing to take risk for their funds, so many prefer to invest in bank deposits, insurance, post office saving etc. Many of the people are not aware about how to make an investment in share market, equity etc. ?No pain no gain? it is the golden principle of investment management. The study basically focuses on the various investment avenues available to the investor, factors considered for investment. People now days are not ready to bear risk, but at the same time more risk leads to more profit. Investors cannot avoid risk but they can minimize the risk by investing their money in various types of investments so that they can get a moderate profit. This study basically provides awareness among people about various investment avenues available to them and what factors they should consider before making an investment.