Abstract

According to the present findings, the majority of individuals are afraid to invest in newer types of investments like mutual funds and instead choose to mitigate risk by choosing less risky investment options like recurring deposits and similar products. Additionally, those who invest in mutual funds choose high-risk portfolios and schemes while simultaneously wanting to use components with a moderate level of risk. Another observation is that the majority of working women do not favour these kinds of investments. The study's primary goal is to determine how investors see mutual funds. High returns, security, tax exemption, flexibility, liquidity, risk diversification, market trend, choice of plan, dependability, and affordability are the primary factors influencing investment behaviour. Mutual funds invest in a range of financial instruments, including stocks, bonds, and shares, by pooling funds from different participants. These are managed by a qualified fund manager, and dividends are used to pay returns. Some plans promised fixed returns with no risk, while others offered payouts based on price and market changes. The acquisition or sale of mutual funds must be made in units and is based on NAV (Net Asset Value), taking exit and entry load factors into consideration. This study looked at how customers perceived mutual funds, including the plans they preferred, the schemes they chose, and the justifications for those decisions. It also looked at various investment options that consumers preferred alongside and in addition to mutual funds. Comparable to bank savings plans, recurring deposits, bonds, and stocks. During COVID-19 very minor effect on the mutual funds which are very important sources for the general peoples.

Description