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Contents & IndexTopic Slide #

Introduction to ITES Industry 3

Investments – An Overview 4

Literature Review 5

Objectives 7

Research Methodology 8

Data Analysis & Interpretation 9

Findings & Suggestions 13

Conclusion 14

Warren Buffett’s Quote 15

Thank You 16

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Introduction to ITES Industry ITES stands for Information Technology-enabled

services – also commonly referred to as BPO

Non-core activities are handled by third-party vendors

This may also involve ‘off-shoring’ – a term referred to getting work done from other countries where cheap labour is available, example: India, Philippines, etc

Provides employment opportunities to youngsters

Income from Export of Services - Source of Foreign Exchange to the developing economies

3

Investments – An Overview Definition – Depositing money to generate additional

income over a period of time through various avenues

Options – Equity, Mutual Funds, Government Bonds, Fixed Deposits, Real Estate, Precious Metals, etc

Objectives & Benefits – To meet certain planned financial objectives

Capital Appreciation / Additional Income

Hedge against Inflation

Plan against contingencies

Method of Tax Planning

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Literature ReviewAuthor Title Major Findings

Gaurav Kabra & others

Factors Influencing Investment Decision of Generations in India: An Econometric Study

Determine investment patterns based on demographic characteristics (age & gender)

D. N Rao Investment Patterns and its Strategic Implications for Fund Managers: An Empirical Study of Indian Mutual Funds Industry

Retail investors account for almost a quarter in the total AUM in the industry

Sheeba Lole Changing Trend of Investment Pattern in India and Emergence of Mutual Fund Industry

Mutual Fund is an all-reliable instrument which is a must in one’s portfolio

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Literature Review – IIAuthor Title Major Findings

Stephen Thomsen Investment Patterns in a Longer-Term Perspective

Upward trend in FDI inflows due to decline in global growth

Nicole Alper On Being a Woman: How Our Differences Shape Our Investment Techniques

Women would make better investors when they are aware of investment options

Prof. HemaDoreswamy

Savings and Investment pattern of IT Employees of Bangalore

There are different investment avenues available. Factors affecting are risk, return, & tax exceptions

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ObjectivesReason this topic was chosen for study:

This study focuses on employees of ITES Industry – a growing industry – predominantly employs youngsters

To understand how the ‘Finance’ is being managed

To understand investment avenues chosen

To do an analysis on their preference of investments

Take experts’ opinion and suggest the various investment opportunities available

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Research Methodology We prepared a ‘questionnaire’ – a popular data

collection tool to get the answers to our questions

This questionnaire was floated to ITES employees based at Bangalore on a ‘random sample’ basis

Sample size of 202 employees have been covered

Limitations: Project members are working & time devoted to this project was lesser

Data Analysis Tools: Charts have been prepared & Percentage basis have been considered to do the analysis and arrive at the conclusions

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Data Analysis & InterpretationChart 1

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Interpretation – Chart 1 This chart provides the information on the

percentage of salary being invested

23% of our respondents have investments less than 5% of their pay package

24% of our respondents invest 15% to 25% of salary

37% of our respondents invest between 5% to 15% of their salary

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Chart 2.

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Interpretation – Chart 2 This chart focuses on the preferred mode of

investment – none of the instrument is most preferred among our respondents

Insurance (24%) & Fixed Deposits (22%) – preferred

Though a majority (53% to be precise) of our respondents had a medium-risk profile, only 10% preferred Mutual Funds

Only a meager 5% invest directly in Equity markets

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Findings & Suggestions Everyone needs to save for the future. Saving more

should translate to investing more

Financial awareness has to be spread

As Equity is known for good capital appreciation, having equity exposure through investing in Mutual Funds by utilizing the SIP option to be considered

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Conclusion Thanks for having completion of project as a criteria

for JMLP certification, we understood various aspects involved in documenting the study conducted

Learn more based on the set objectives

This study provides us solid knowledge on providing add-on guidance on financial aspects

This study has helped us to take ‘Savings’ seriously & invest appropriately

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Warren Buffett’s Quote Earnings: Never depend on a single income. Make

investment to create a second income.

Spending: If you buy things you do not need, soon you will have to sell things you need.

Savings: Don’t save what is left after spending but spend what is left after savings.

Taking Risk: Never test the depth of the river with both feet.

Investment: Don’t put all your eggs in a single basket.

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Thank You Note Thanks to Infosys BPO management for providing an

opportunity to learn while earning

Thanks to all the WE School Professors for making this program very interesting which enabled us to increase our knowledge & skill sets

Thanks to all other JMLP students for making it more interesting with each other’s interaction and support

Thanks to our reporting managers at work for support

Thanks to our project mentor, Prof. Hema Doreswamy, for guiding us in every step of the project

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Project Members

Prof. Hema

925688

926410

926438

904630

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