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TABLE INDEX

Sr.no Topic /contents Page no.

3.1 Distribution Of espon!ents "en!er #ise $

3.% Distribution Of espon!ents Ageise $

3.3 Distribution Of espon!ents Inco'e #ise (

3.) Distribution Of espon!ents E!ucation #ise (

3.$ Distribution Of espon!ents Occupation #ise (

).1 *o!ing of +uestions ,

).% -A eguar In0est'ents B espon!ents 2

).% -B Perio!icit Of In0est'ent Of eguar In0esting 2

espon!ents

).% -* easons or Not Doing eguar In0est'ent 14

).% -D Percentage Of Inco'e In0este! B espon!ent 14

).3 S5ort Ter'6 Long Ter' Nee!s Of espon!ents 11

).) In0est'ents Ob7ecti0es Of espon!ents 11

).$ an8ing Of In0est'ent Options 6 an8ing 1%

).( A0erage In0est'ent Portfoio Of #5oe Sa'pe 1%

)., Aocation Of esources Bet9een Debt An! E+uit 1%

B espon!ents

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ABSTA*T

OB:E*TI;E O T

To 8no9 t5e sa0ing an! in0est'ents 5abits of t5e respon!ent.

To !isco0er t5e 0arious protection /e0e/ of respon!ents.

To fin! out t5e financia iterac e0e of t5e in!i0i!uas resi!ing in ?u'bai.

T5e 'ost preferabe financia instru'ents a'ongst t5e respon!ents an!

t5e source of

infor'ation@ 95ic5 is 'ost/ use! b t5e in!i0i!ua/s 95i/e ta8ing

in0est'ent

!ecisions.

P=POSE O T

T5e purpose of t5is Sur0e is to assess t5e e0e of financia iterac a'ong

peope resi!ing in ?u'bai 95o in0est in !ifferent financia/ instr'ents@ /i8e

Post Office Sa0ings Sc5e'e@ ?utua/ un!s@ Life Insurance@ Stoc8 'ar8et etc.

Accor!ing to BI@ inancia/ /iterac can broa!/ be !efine! as pro0i!ing

fa'i/iarit 9it5 an! un!erstan!ing of financia/ 'ar8etpro!ucts@ especia//

re9ar!s an! ris8s@ in or!er 'a8ing infor'e! c5oices. T5e stu! ana/ses

t5e re/ations5ip bet9een financia/ /iterac an! ot5er factors /i8e age@

"en!er@ inco'e@ an! e!ucation +uaification.

DESI"N/?ET

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t5at reate to t5e factors@ 95ic5 5a0e 'a!e a great i'pact on t5e 'in!s of t5e

in!i0i!uas an! on t5e basis of 95ic5 t5e ta8e t5eir !ecisions. It incu!es a 'iC

of 'i!!e cass an! o9er 'i!!e cass peope an! t5e age group of 1 rs to $2

rs 5a0ing !i0erse e!ucationa +uaifications.

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INDIN"S 6 I?PLI*ATION

T5e stu! in!icate! t5at t5e financia/ /iterac of in0estors in ?=?BAI 9as

!ifferent for !ifferent financia instru'ents.

Aroun! 24 of t5e' in0est in ea estate.

#5i/e (4 of t5e in0estors 8ne9 about Insurance as t5e 'ost

effecti0e financia/

instru'ent@ t5is 9ou! be 5epfu at t5e ti'e of contingencies.

Aroun! )4 of t5e in0estors 8ne9 about ?utua/ un!s but. inancia/

/iterac is

foun! to be affecte! b age@ inco'e an! e!ucationa/ /e0e/ of t5e

in!i0i!ua/s.

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TABLE 3 .3 DISTIB=TION O ESPONDENTS IN*O?E #IS:L

Inco'e No. of Peope

=p to % La85 % %4

$ La85 3 34

, La85 ) )4

14 /a85 1 14

Tota 14 144

As seen fro' tab/e 3.)@ e!ucation 9ise t5e sa'p/e is c/assifie! into t5ree groups "ra!uates@

postgra!uates an! t5ose 95o 5a0ing professiona/ !egrees. T5ere are 34 gra!uates@ )4

postgra!uates an! 34 peope 95o are 5a0ing professiona !egree.

TABLE 3.) DISTIB=TION O ESPONDENTS ED=*ATION #ISE

Le0e of E!ucation No. of Peope

"ra!uate 3 34

Post "ra!uate ) )4

Professiona 3 34

Tota/ 14 144

As seen fro' tab/e 3.$@ t5e sa'p/e be/ongs to a range of occupations /i8e pri0ate ser0ice an!

go0ern'ent ser0ice. T5ere are )4 peop/e engage! in pri0ate an! $4 peop/e engage! in

go0ern'ent ser0ice an! 14 peope in business ser0ice.

TABLE 3.$ DISTIB=TION O ESPONDENHTHS O**=PATION #ISE

Occupation No. of Peope

Pri0ate ) )4

"o0ern'ent $ $4

Business 1 14

Tota/ 14 144

(

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>es 1

$. Do ou 8no9 t5ere is !ifference bet9een Insurance

Options gi0en to t5e respon!ent

No 4

>es

(. es

,. es

.

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TABLE ).%-A E"=LA IN;EST?ENTS B> ESPONDENTS

Option >es No Tota

No. of respon!ents , 3 14

Percentage ,4 34 144

eguar In0est'ents B espon!ents

14

( No. of respon!ents

) M Percentage

% 4

>es No Tota

TABLE ).%-B PEIODI*IT> O IN;EST?ENT O E"=LA IN;ESTIN"

ESPONDENTS

Perio!icit No. of Peop/e

?ont5/ ) )4

uarter/ % %4

Annua// 1 14

Tota/ , ,4

Perio!icit Of In0est'ent Of eguar In0esting

espon!ents

?ont5

M uarter

Annua M

Tota

2

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TABLE ).%-* EASONS O NOT DOIN" E"=LA IN;EST?ENT

easons No. of Peope

Scarcit of capita % %4

ee/ No nee! 1 14

Tota/ 3 34

easons or Not Doing eguar In0est'ent

a No. of Peop/e

M E

4

Scarcit of ee/ No nee! Totacapita/

TABLE ).%-D O IN*O?E IN;ESTED B> ESPONDENT

Percentage No. of Peope

14 ) )4

%4 ) )4

34 % %4

Tota 14 144

Percentage Of Inco'e In0este! B espon!ent

s No. of Peope

M

14 %4 34 Tota/

14

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TABLE ).3 S

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T5e respon!ents ga0e 0arious reasons for 5a0ing financia/ a!0isor are as fo//o9sG&

#5en respon!ent t5in8 of in0esting in s5ares or 'utua/ fun!s. As t5e options are

'an an! confusing in or!er to get an eCact in0est'ent of our c5oice for t5at 9e nee! an

a!0isor.

To 8no9 about t5e 'ar8et situation in to!aHs 'o!ern an! busiest 9or!.

or eCpert a!0ice reate! to 0arious in0est'ents.

To pan t5e in0est'ents in rig5t !irection an! 9it5 o9 ris8 factor.

One 'a not be a9are of benefits of returns@ taC sa0ing etc an! aso about t5e ris8

factors.

T5ere are 'an 'ar8ets options 95ic5 on a financia a!0isor can a!0ice.

To get proper a!0ice on better in0est'ents.

But so'e respon!ents !i! not fee/ t5at financia/ a!0isor is nee!e! becauseG&

K espon!ent a/rea! 8no9n 6 access t5e in0est'ents t5roug5 ne9s paper@ On/ine

portas& ?one contro@ #ebsites etc

espon!ent t5in8 t5at t5ere is no nee! of financia a!0isor. "i0ing fees to a!0isor is

not 9ort5 so t5at fees 9e can in0est in ot5er sa0ing in0est'ent.

espon!ent can stu! t5e 'ar8ets an! !eci!e accor!ing t5eir in0est'ents Sc5e'e.

1%

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*