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Project on portfolio management in Mutual Funds. The analysis and advice presented in this Project Report is based on market research on the saving and investment practices of the investors and preferences of the investors for investment in Mutual Funds.

Extracts from this document...

Introduction

A PROJECT REPORT ON "MUTUAL FUNDS IS THE BETTER INVESTMENTS PLAN" Submitted in partial fulfillment for MASTER OF BUSINESS ADMIMISTRATION Programme of INSTITUTE OF MANAGEMENT TECHNOLOGY GHAZIABAD Batch2005-08 Submitted by :- Under Guidance :- AKHILESH MISHRA CA SHARAD CHAUHAN MBA( Three Year Programme) Manager Accounts Batch (2005-2008) Uttam Sugar Mills Limited Enrolment No-52102689 Corprote office Noida Department of Business Management INSTITUTE OF MANAGEMENT TECHNOLOGY GHAZIABAD ACKNOWLEDGEMENT With regard to my Project with Mutual Fund I would like to thank each and every one who offered help, guideline and support whenever required. First and foremost I would like to express gratitude to Manager SBI kanwali Road Dehradoon and other staffs for their support and guidance in the Project work.. I am extremely grateful to my guide, CA Sharad Chauhan for their valuable guidance and timely suggestions. I would like to thank all faculty members of Uttam Sugar Mills Limited for the valuable guidance& support. I would also like to extend my thanks to my members and friends for their support specially .MCA Anuj Panday officer I.T.Uttam Sugar Mills Limited Sharanpur & Mr. Rajeev Goyal consultant, Sales tax, income tax .And lastly, I would like to express my gratefulness to the parent's for seeing me through it all. AKHILESH MISHRA CERTIFICATE This is to certify that Mr. Akhilesh Mishra a student of IMT-CDL Ghazibad has completed project work on "MUTUAL FUNDS IS THE BETTER INVESTMENTS PLAN" under my guidance and supervision. I certify that this is an original work and has not been copied from any source. Signature of Guide Name of Project Guide CA Sharad Chauhan Date- DECLERATION I hereby declare that this Project Report entitled "THE MUTUAL FUND IS BETTER INVESTMENT PLAN in SBI Mutual Fund submitted in the partial fulfillment of the requirement of Master of Business Administration (MBA) of INSTITUTE OF MANAGEMET TECHNOLOGY, GHAZIABAD is based on primary & secondary data found by me in various departments, books, magazines and websites & Collected by me in under guidance of C.A. ...read more.

Middle

Recently, most of the New Fund Offers of close-ended funds provided liquidity window on a periodic basis such as monthly or weekly. Redemption of units can be made during specified intervals. Therefore, such funds have relatively low liquidity. * Based on their investment objective: Equity funds: These funds invest in equities and equity related instruments. With fluctuating share prices, such funds show volatile performance, even losses. However, short term fluctuations in the market, generally smoothens out in the long term, thereby offering higher returns at relatively lower volatility. At the same time, such funds can yield great capital appreciation as, historically, equities have outperformed all asset classes in the long term. Hence, investment in equity funds should be considered for a period of at least 3-5 years. It can be further classified as: i) Index funds- In this case a key stock market index, like BSE Sensex or Nifty is tracked. Their portfolio mirrors the benchmark index both in terms of composition and individual stock weightages. ii) Equity diversified funds- 100% of the capital is invested in equities spreading across different sectors and stocks. iii) Dividend yield funds- it is similar to the equity diversified funds except that they invest in companies offering high dividend yields. iv) Thematic funds- Invest 100% of the assets in sectors which are related through some theme. e.g. -An infrastructure fund invests in power, construction, cements sectors etc. v) Sector funds- Invest 100% of the capital in a specific sector. e.g. - A banking sector fund will invest in banking stocks. vi) ELSS- Equity Linked Saving Scheme provides tax benefit to the investors. Balanced fund: Their investment portfolio includes both debt and equity. As a result, on the risk-return ladder, they fall between equity and debt funds. Balanced funds are the ideal mutual funds vehicle for investors who prefer spreading their risk across various instruments. Following are balanced funds classes: i) ...read more.

Conclusion

It is restricted to Dehradoon. I have visited people randomly nearby my locality, different shopping malls, small retailers etc. Data sources: Research is totally based on primary data. Secondary data can be used only for the reference. Research has been done by primary data collection, and primary data has been collected by interacting with various people. The secondary data has been collected through various journals and websites and some special publications of SBI . Sampling: * Sampling procedure: The sample is selected in a random way, irrespective of them being investor or not or availing the services or not. It was collected through mails and personal visits to the known persons, by formal and informal talks and through filling up the questionnaire prepared. The data has been analyzed by using the measures of central tendencies like mean, median, mode. The group has been selected and the analysis has been done on the basis statistical tools available. * Sample size: The sample size of my project is limited to 200 only. Out of which only 135 people attempted all the questions. Other 65 not investing in MFs attempted only 2 questions. * Sample design: Data has been presented with the help of bar graph, pie charts, line graphs etc. * Limitation: > Time limitation. > Research has been done only at Dehradoon. > Some of the persons were not so responsive. > Possibility of error in data collection. > Possibility of error in analysis of data due to small sample size. Data analysis: * Have you ever invested/ interested to invest in mutual funds? YES 135 NO 65 * .what is the most important reason for not investing in mutual funds? (only for above 65 participants) Lack of knowledge about mutual funds 25 Enjoys investing in other options 10 Its benefits are not enough to drive you for investment 18 No trust over the fund managers 12 * .where do you find yourself as a mutual fund investor? Totally ignorant 28 Partial knowledge of MFs 37 Aware of only scheme in which invested 46 Good knowledge of MFs 24 * . ...read more.

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