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• W338988514 abstract "Current Investment Decision Making (IDM) models present numerous variables that influence investment choice, and thereby, providing a theory base for how investment decisions are made by investors. The study reported here investigated the underlying dimensions in the selection of different investment avenues for the households. An examination of a sample of 500 investor respondents led to unraveling the difference in the household' IDM process both present and future with regard to varied investment alternatives. The results of factor analysis revealed emphasis on familiarity, satisfaction, opinion and demographic dimensions for all investment avenues. Univariate analyses of mean and proportion showed a significant difference amongst households with respect to their decision to invest vis-a-vis abstain in a particular investment avenue on the satisfaction dimension with regard to present investment and the opinion dimension with regard to future investments. The analyses are relevant since they reiterate the fact that the holistic development of capital market can take place only if a concerted effort is made to educate the household investors. The paper also provides direction for future research by identifying a number of issues and areas that have remained totally unexplored in the context of household investment participation and diversification in India. INTRODUCTION India is one of the high saving economies of the world (Athukorala and Sen, 2002) The Gross Domestic Savings (GDS) as a proportion of Gross Domestic Product (GDP) at current prices increased to 34.8% in 2006-07 from 23% in 1990-91 (RBI, 2008). A large part of the overall improvement in domestic savings emanate from higher household savings. Indian households constitute nearly 80% of the economy's aggregate savings (RBI, 2008) . A vibrant capital market is characterized by the active participation of retail investors. However, the robust economic expansion and the resulting increase in per capita GDP have not translated in an increased household investor base, According to the report of the working group on savings in the 11th Five-Year Plan, the estimates of financial savings of the households have shown a decline over recent years, whereas physical savings have increased (Patnaik and Narayan, 2007). Over the past five years, households had a mere 5% of their savings invested in the capital markets on an average. According to the estimates provided by SEBI-NCAER (2003), there are only 13 million households out of the total 177 million surveyed with investments in the capital markets. This is equivalent to a mere 7% of total Indian households. Such a low participation of households in the capital markets does not augur well for investment and economic growth of the country. In the realm of households, one of the biggest trends that have arisen in the past few years is disintermediation of financial services. Household investors are being called upon to make complex and important decisions that they did not have to make in the past (Merton, 2003). The fast socioeconomic changes in India are increasingly forcing people to provide for their own retirement during their working life (Engardio and Matlack, 2005). Furthermore, the householders confront lots of opportunities and· choices among financial products. Although having choices is nice, it is a quite daunting task to select amongst them. The Indian household investors' saving and investment preferences have also been changing overtime. There is a clear shift in the preference pattern as there has been a rise in the rate of contractual savings and decline in the rate of net deposits. As per the related literature, the quantum of the household savings and investments tracks a host of theoretically well-established determinants, the prime among them being the growth in per capita income, financial liberalization, greater opportunities for diversification across financial assets and market related returns. …" @default.
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• W338988514 date "2009-10-01" @default.
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• W338988514 title "Antecedents of Households' Investment Decision-Making Process: A Study of the Indian Households" @default.
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