SUMMER TRAINING PROJECT

REPORT

ON

“Marketing & Wealth Management Product ”

FACULTY GUIDE COMPANY GUIDE

Mr. Gaurav Varshney Deepika Agrawal

(Operation manager)

SUBMITTED BY:

Tara Chand Saini

(PGDM 2009-11)

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CERTIFICATE

It is certified that this project report entitled “Marketing & Wealth Management

Product” is a record of work done originally by “Tara Chand Saini” under my

guidance and supervision and that it has not previously formed the basis for the

award of any degree, fellowship or associate ship to them or anybody else.

Mr. Gaurav Varshney

(Academic Guide)

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DECLARATION

I hereby declare that the project entitled by me for Fullerton Securities Jaipur is

original work undertaken by me for partial fulfillment of the PGDM (Post

Graduation Diploma in Management).

This project has not been submitted to any other institution for award of any degree

or diploma.

TARA CHAND SAINI

PGDM-IIrd SEM

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Acknowledgement

I I would like to convey my heartiest gratitude to several people, for their support

and guidance which helped me complete my Summer Internship.

First and foremost I would like to thank Fullerton Securities for giving me an

opportunity to do my internship in their esteemed organization. My special

appreciation extends to the BDE(business development executive) /My guide

Deepika Agarwal for his constant encouragement throughout this period. Who

instructed us with the work procedures and dealt with us with patience at all times.

This internship would not be complete without the support of our Director Mr. A.S.

Bhamara. I would also like to thank our Internship Co-ordinators/My faculty guide,

Mr. Gaurav Varshney for their guidance and unflinching support throughout the

phases of my Internship.

My special thanks to my co-workers & other members of Fullerton securities who

being a part of the same internship, supported me throughout my Internship and

with whose help I could complete my work efficiently and effectively. Their

consistent help kept me motivated and going.

Last but not the least, my endless appreciation goes to my family who has stood by

my side and given me moral support whenever I was low and boosted my will

power.

Thank You!

TARA CHAND SAINI

PGDM (II) SEMESTER

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Executive Summary

The summer training of a management student plays an important role to

develop her into a well – groomed professional. It gives theoretical concepts

a practical shape in a field of applications. It gives an idea of dynamic &

versatile professional world as well as an exposure to the intricacies &

complexities of corporate world.

The Summer Internship Project was of 3 months in Fullerton Securities &

Wealth Advisors Limited, Jaipur.

Today financial sector is a sector which has huge potential and it is very

important to choose correct sector where you can get opportunity to grow

and Fullerton Securities has been named as the “most respected financial

company”.

The whole summer internship project was on “Marketing & Wealth

Management Product.”

The purpose of this project was to find

How much individual currently trading in share market?

The basic aim of the study is to identify the client’s requirements and their

expectations with regard to their dealings with Fullerton Securities It aims

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at identifying the areas where Fullerton lags behind, and proposing a

methodology to improve on its products and service offerings.

TABLE OF CONTENTS

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S. No. PARTICULARS PAGE NO-

1. LIST OF TABLES AND ILLUSTRATION 7

2. INTRODUCTION OF COMPANY 8-10

3. INTRODUCTION OF TOPIC 11-25

4. MARKRTING SURVEY 26-27

5. METHODOLOGY 28-30

6. ANALYSIS & INTERPREATATION 30-40

7. FINDINGS 41

8. SWOT ANALTSIS 42-43

9. CONCLUSION 44

10. LEARNINGS 44

11. BIBLIOGRAPHY 45

12. ANNEXURE -

LIST OF TABLES AND ILLUSTRATION

TABLE NO. 1 COVERS FORMAT OF TOTAL RECHRGE REPORT

TABLE NO. 2 HAS FORMAT OF PPC SHOW

TABLE NO. 3 INCLUDES FORMAT OF RES

ILLUSTRATIONS OF HOW TO PREPARE REVENUE EARNING SUBSCRIBERS

REPORT IS BEING DEMONSTRATED

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INTRODUCTION TO THE COMPANY

Fullerton Securities & Wealth Advisors Limited is a company registered

under Indian Company Law, incorporated on 8th February 2008. It offers

world-class financial planning and a wide range of wealth management

products to mass affluent and affluent customer segments. Fullerton

Securities & Wealth Advisors Limited provides a complete range of

financial products and services that include equity broking (internet based

online trading as well as offline trading), financial planning, insurance,

investment products, equity research and more.

Our Shareholders

Fullerton Financial Holdings Pte. Ltd. already has a presence in India through

Fullerton India Credit Company Limited, targeting the mass market segment.

Fullerton Securities & Wealth Advisors Limited will target different

segments i.e mass affluent and affluent customers across Tier I and Tier II

cities in India.

Fullerton Securities & Wealth Advisors Limited is a part of CEEMEA

organisation within Fullerton Financial Holdings Pte. Ltd.

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More about Fullerton Financial Holdings Pte. Ltd.:

Fullerton Financial Holdings Pte. Ltd. invests in financial institutions in emerging markets,

bringing an operational perspective to all investment decisions. As on 31st December, 2007, the

total assets of Fullerton Financial Holdings Pte. Ltd. stood at $59.7 billion and its portfolio

comprised investments in 15 different financial institutions. Fullerton Financial Holdings Pte.

Ltd. supervises and influences its banks to achieve the right risk-reward balance. It seeks to

create shareholder value by differentiating through great people, disciplined development and

execution of unique business models.

Primarily, it focuses on both Business banking and Consumer banking. Within Business banking,

Fullerton Financial Holdings Pte. Ltd. focuses on the Commercial, SME and Self-employed

mass market segments. On the other hand, it focuses on the Mass affluent and Mass salaried

segments within Consumer banking.

Fullerton Financial Holdings Pte. Ltd. is a wholly owned subsidiary of Temasek Holdings, an

Asia investment house, headquartered in Singapore, focused on creating and maximising long-

term shareholder value as an active investor and shareholder of successful enterprises.

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“Marketing & Wealth Management

Product ”

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Marketing – Major Funcation Zone

The success of a business depends largely on the effectiveness with which its

marketing strategies are formulated and implemented. Marketing is said to

be the eyes and ears of a business organizations because in close contact

with its environment and informs it of events that can influence its activities

as per requirement of the market.

Securities offer pure services, which are intangibles, therefore marketing of

services differ from marketing of goods of tangible products. Tools and

techniques used in formulating strategy for service marketing are different

from those uses for marketing of goods. Mainly Four P’s given by

McCarthy constitutes the marketing mix for products but in case of service

it extends to seven.

To look in to the marketing strategy by FULLERTON SECURITIES we will

have to go seven P’s of service marketing mix.

PRODUCT

A service product is one, which marketers offer to perform. It is an offering of

a firm inform of activities that satisfy customer needs.

Fullerton Securities deals in money and credit. It offers financial services. To

stand upright in existing intense competitive financial world continues

improvement in its service product is a must, because success of service

marketer depends upon level of services. These levels are:-

> Generic - Basic benefit level.

> Expected - Customer’s minimum set of expectation from service.

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> Augmented - Offering in addition to what customer expects.

> Potential - Doing everything feasible to retain and attract customers.

Correct transaction recording, timely service etc. are some expected level of

services. Once service exceed expected level, it comes as pleasant surprise

to customer encouraging their loyalty to company. Fullerton securities has

always worked towards continues improvement in it’s services to retain its

customer’s loyalty to convert potential into core loyal customers.

PRICING

Prices in relations to securities refer to charges and commission. Service

charges are low and reasonable and are at par with other securities. It offers

wide range of services to meet the needs of different target segment at

varying charges. In fact, some of the services rendered by fullerton securities

are absolutely free attached with various like life style benefits , financial

benefits and service etc. while setting a pricing strategy , fullerton securities

has to go through instructions of SEBI.

PROMOTION

It is a marketing tool use to communicate information about services to the

target audience thereby facilitating exchange process. Services being

intangible require more promotion because it has not got physical product or

packing to attract customer.

Promotional mix of every company consists of four tools:-

*Advertising *Personal Selling *Sales Promotion*Publicity

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PLACE

Place, distribution element of service marketing mix, concerns mainly

accessibility and availability due to inseparable and perishable nature of

service. Functioning on the principle of “Anywhere Anytime” Fullerton

Securities had not set up broad and vast network but the companies provide

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the service according to their customer needs and wants.

16http://www.fullertonsecurities.co.in

http://www.fullertonsecurities.co.in/http://www.fullertonsecuri

ties.co.in

Unique Value Proposition

• Need based Financial Planning & Advisory services• Wide and unbiased (3rd party & proprietary) product range

offered as an integrated offering vs. One-off product push• Value for repeat business or upgrade

• Relationship pricing; value based; competitive; not necessarily the lowest

• Better pricing for well-performing segments; based on vintage or recognition of customer profile

• Flexible payment options

• Deliver returns better than deposit benchmark

• Regular access to Research / Information

• Full relationship access across all customer touch-points; 360°customer view

• Access to international investment options for diversification

• Personal RM and support team of specialists to ensure continuity

• Ongoing monitoring and advice for rebalancing

• Fast and accurate processing

• One-stop access to all asset classes; Single point interface for all products

• Convenience of online view of entire relationship with performance measurement tools

• Advisory (Research) and execution capability

Brand positioning : A relationship focused global Asian financial institution which understands your needs and provides solutions,

not only offers products

Product

Price

Convenience

Service

Experience

Value Proposition

Wealth management Products

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Financial Planning

Financial planning is a systematic approach by which you get to maximize

your existing financial resources by utilizing several financial tools to achieve

your financial goals.

Investing is an essential and indispensible element of financial planning.

Broadly, it means making your money grow or appreciate to fulfill long term

financial goals. It is a way of saving your money to meet your financial plans

- children's education, retirement to purchasing your own home etc. In

simple words, investing means making your idle money work for you.

There are different ways of making an investment. It includes placing money

into stocks, bonds, mutual funds, real estate or even starting an enterprise.

These options are referred to as 'investment vehicles'.

Investments have a risk-reward spectrum. In accordance to your financial

plans, you may invest in instruments with compatible risk and return ratios.

As a general rule of thumb, higher the risk an investor takes on an

investment, the greater potential returns he/she stands to make and vice

versa. The focus is on returns and the spectrum, in terms of risk, runs from

conservative to very aggressive. One way to measure results is by weighing

expected returns against anticipated risks.

Along the risk-reward spectrum, investments can be classified into three

basic categories: cash, bonds and stocks. Each category has its own set of

characteristics and plays an important role in structuring a sound investment

portfolio.

 Time in the market

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Investing in the stock market does not depend on timing the market, but

time in the market. Stock prices fluctuate on a day-to-day basis, sometimes

drastically. That's the nature of the stock market. While past performance

does not guarantee future results, history has shown that, over a longer

term, stock market investing has been rewarding.

Long-term investing does not have to span a period of 50 years. Even five

years can make a big difference. Long-term investing in the stock market

pays off quite generously too.

It is known that trying to time the market is next to impossible. Timing the

market is basically the strategy of buying and selling financial instruments

(most often stocks) by attempting to predict future market price movements.

It's better to stay fully invested during all market cycles. This has,

historically, given investors the greatest average return by comparison.

Hence, it's time in the market that's important, not timing the market

Basic Investment Principles

Establishing realistic financial goals is an essential first step towards successful investing.

Understanding investments that are best suited to help achieve your goals is equally important.

Investment principles guide you in your investment choices. Following these time-tested

investment principles enable you to build a strong foundation of financial security.

Top Principles:

Rupee-Cost Averaging

A systematic approach to long-term investing is called rupee-cost averaging.

This refers to the practice of investing the same amount of money in the

same investment vehicle at regular intervals, regardless of market

conditions. If the investor takes the rupee-cost averaging approach, the

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amount invested is always the same. Thus, the investor automatically buys

more shares when the price is low and fewer when the price is high.

The investor's natural instinct might be to stop investing if the price starts to

drop but history suggests that the best time to invest may be when you are

getting good value. Rupee-cost averaging can be an effective strategy with

funds or stocks that can have sharp ups and downs, because it gives more

opportunities to purchase shares less expensively.

The benefit of this approach is that, over time, you may reduce the risk of

having shares with the highest cost price. Instead, as the example below

demonstrates, the average cost of your shares will be lower.

However, rupee-cost averaging does not assure a profit and it does not

protect against investment losses in declining markets

Compounding

Compounding is the ability of an asset to generate earnings, which are then

reinvested in order to generate their own earnings. In other words,

compounding refers to generating earnings from previous earnings.

Through compounding, a small amount of money over time can grow into a

substantial sum. Investments can increase in value over time - and the

longer the time frame, the greater the value. This is achieved through

returns that are earned, but not spent. When the return is reinvested,

investor earns a return on the return and a return on that return and so on.

Therefore it is important to start saving early in order to benefit from the

power of compounding returns.

Diversification

Diversification is a strategy that can be neatly summed up by the timeless

adage "Don't put all your eggs in one basket." In other words, your funds are

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spread over a variety of investment instruments. It is a risk-management

technique that mixes a wide variety of investments within a portfolio. The

rationale behind this technique contends that a portfolio of different kinds of

investments will, on average, yield higher returns and pose a lower risk than

any individual investment found within the portfolio.

For example, diversification could mean that you own several stocks, but

they all come from various types of industries or different parts of the world.

By having a variety of different stocks, your funds are more protected. If a

certain company is badly hit, you will have other stocks that may be able to

"take up the slack."

Asset Allocation

Asset allocation involves dividing an investment portfolio among different

asset categories, such as stocks, bonds, and cash. These asset categories

have different risk-return characteristics, so if you have them in your

portfolio, their different patterns of behavior offset each other. For instance,

while one asset category increases in value, another may be decreasing or

not increasing as much.

Asset allocation aims to balance risk and reward by apportioning a portfolio's

assets according to your investment objectives, your risk tolerance and your

investment horizon.

Asset allocation is generally the most important factor in determining the

return on your investments. In fact, according to many researches and

studies, asset allocation determines approximately 90% of the return. The

remaining 10% of the return is determined by which particular investments

(stock, bond, mutual fund, etc.) you select and when you decide to buy

them.

Rebalancing

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Rebalancing your mutual fund portfolio on a regular basis maintains the

desired asset allocation in your investment strategy. Basically, rebalancing is

bringing portfolio back to original asset allocation mix. This is necessary

because over time some of the investments may become out of alignment

with the investment goals, as investments don't all move the same way at

the same time. Some will grow faster than others. By rebalancing your

portfolio, you will ensure that you stick to original plans and have the kind of

discipline that leads to long-term success.

For example, let's say it is determined that stock investments should

represent 60% of portfolio. But after a recent stock market increase, stock

investments represent 80% of portfolio. You will need to either sell some of

stock investments or purchase investments from an under-weighted asset

category in order to reestablish original asset allocation mix.

Rebalancing can be based either on the calendar or on the investments.

Many financial experts recommend that investors rebalance their portfolios

on a regular time interval, such as every six or twelve months. The

advantage of this method is that the calendar is a reminder of when investor

should consider rebalancing.

Others recommend rebalancing only when the relative weight of an asset

class increases or decreases more than a certain percentage that investor

has identified in advance. The advantage of this method is that investments

will tell you when to rebalance.

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Equity

We all know that saving for significant life events is important, but to get

there we need to plan our investments and manage our spending and debt,

today. By starting early, we can achieve our medium / long term financial

needs and goals - be it paying off credit cards bills in time, saving for a

special trip or financing a child's education and other requirements.

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Investing in equities is definitely a path to higher returns as –

While investing in equities carries risk, it is an asset class that outperforms in

the long run. You can invest in equities through vehicles such as Mutual Funds

and Unit Linked Plans of insurance companies or directly in stocks / shares of

quality companies that are likely to provide better investment returns

Diversification. The benefits of investing in diverse equities include higher

average returns with lower average volatility (because some of the asset

classes perform well when others are performing poorly, which smoothens

out the returns). When combined with other asset classes such as bonds,

real estate or commodities, the diversification benefits can be even greater.

Investing in equities offer protection against inflation through power of

compounding. Although higher inflation often causes stock values to decline

in the short term, over long time horizons, equity returns have a positive

relationship with inflation (equity returns are higher when inflation is higher).

This is partly due to the fact that companies can increase prices in

inflationary times, which, in turn, has the effect of increasing earnings.

Although stock markets have bad months - even bad years - statistics show

that, in the medium and long term, they provide better returns than bonds or

cash. That is why; there is an universal agreement on the fact that stocks

and shares comprise the best medium to provide long-term capital gains for

investors.

Conclusion:

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Investors are compensated for the pain of fluctuations in the stock market index by higher returns

on an average. Over long time periods, the power of compounding makes investing in equities

enormously superior to fixed return investments.

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Mutual Fund

Mutual funds - a beneficial investment option

Investing in Mutual Funds offers you many benefits. Here are some reasons why Mutual Funds

are a preferred avenue of investment...

Professional investment managemen t

Mutual Funds are managed by qualified and experienced professionals. These

experts have access to company research and analysis for making informed,

well-timed decisions.

Diversification

Investing in Mutual Funds diversify your portfolio and lower your risk.

Let's say, you have Rs. 20,000/- to invest; you will perhaps be able to buy a couple of blue chip

stocks. However, investing the same amount

Ease of investment and withdrawal

Mutual Funds are easy to invest in and can be purchased with minimum documentation from

investment advisors, banks and mutual fund companies. Open-ended schemes are highly liquid

and one can withdraw from them at the net asset value (NAV) at any time.

Transparency

All mutual fund companies publish details about the investments made by

the fund regularly, hence you can judge if your money is canalized in the

preferred manner.

Besides, the charges are transparent and clearly mentioned.

The Net Asset Value of the fund is declared every working day, so you can

track the value of your investments.

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Affordability

One can invest an amount as low as Rs. 500 per month via Systematic

Investment Plans (SIPs), hence investments in mutual funds are affordable

and convenient.

Tax benefits

Equity Linked Savings Schemes (ELSS) offer tax rebates to investors under Section 80C of the

Income Tax Act. Additionally, dividend income from Mutual Funds is tax-free in the hands of

investors.

Your money in safe hands

Most mutual fund houses belong to large industrial groups, banks and foreign institution

investors. Mutual funds are governed by the Securities Exchange Board of India (SEBI) and

guided by Association of Mutual Funds in India (AMFI).

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Mutual Fund SIP

Systematic Investment Plans - Small Start for Big Dreams

Systematic Investment Plans (SIPs) are an alternate means to invest in a mutual fund. When you choose to invest via SIP, you invest in smaller denominations at regular time intervals as opposed to making a single lump sum investment.

SIPs are good way to invest because:

> They help you invest and save in a regular and disciplined manner. SIPs offer the convenience

of direct debits from your bank account through ECS, so you need not worry about missing the

investment date.

> With SIPs you invest regularly through the market swings and gain the advantage of rupee cost

averaging. Simply understood, you average out the cost of buying mutual fund units over

months/years.

> They are likely to have either low or no entry and exit charges when you purchase and sell the

units.

> They are a great way to start saving for your dreams. Small investments starting early in life

compound over time to create a secure nest egg.

Timing your investment

> Buying mutual fund units over a period of time via SIPs allows you to average the cost of

purchase and gives you better returns effectively, eliminating the need for timing your purchase.

> You should keep a periodical tab on the SIP's performance vis-a-vis the benchmarks and other

schemes to keep track on the profitability of your investment.

> The key to formulate an exit strategy is to remove profits when you archive a targeted

percentage.

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> Avoid waiting to sell all units at a desired event date (e.g., higher education of your child) as

the market condition may not be favourable at that time.

Rupee Cost Averaging

Below is the performance of SIP over different periods based on the Franklin India Index Fund NSE Nifty Plan (G):

SIPJan 2001 - Jan

2008Jan 2001 - Jan

2008Jan 2004 - Jan

2008Jan 2004 - Jan

2008

Date of first investment

1-Jan-01 1-Jan-01 1-Jan-04 1-Jan-04

Time period 7 years 8 years 4 years 5 years

Amount per investment

Rs. 1000 Rs. 1000 Rs. 1000 Rs. 1000

NAV as on investment date

9.44 9.44 14.55 14.55

Total investment 84000 96000 48000 60000

No of units 6649.97 7008.77 2384.1600 2742.96

Date of redemption 1-Jan-08 1-Jan-09 1-Jan-08 1-Jan-09

NAV as on redemption date

48.66 23.88 48.66 23.88

Total value on redemption

323587.54 167369.43 116013.23 65501.88

Returns (CAGR%) 21.25 7.20 24.69 1.77

The above example shows that:

> Entering early in SIP may not necessarily yield higher returns. This is clear from the fact that

the returns generated in Column 1 (entry January 2001) are less than the returns generated in

Column 3 (entry January 2004). This is because the level of market at the time of entry and prior

to that affects the returns generated.

> Early exit from an SIP can make a difference to the returns. In the above example, as the exit

in columns 1 and 3 have been made at market highs, the returns generated are higher than those

generated in columns 2 and 4. The reverse could also be true if the markets had risen between

January 2008 and January 2009.

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Insurance

Our Offerings

At Fullerton Securities, we understand your need to protect all that you hold dear. In our

undertaking to multiply and fortify your assets, we have partnered with ICICI Lombard

General Insurance Company Ltd. to bring you customized general insurance solutions that suit

your specific needs. It is our constant endeavour to offer you, our valued customer, the best

solutions that are endorsed by our team of leading financial experts

General Insurance

Be it family, home, business or vehicle, all your valued possessions are prone

to various unpredictable hazards. The uncertainties may range from

emergency medical expenses, accidents to the loss of baggage or passport

while travelling.

To ensure security for you and your family during such critical moments,

Fullerton Securities provides you with time-tested and trusted financial

solutions. We also have various Non-Life Insurance solutions, offered by ICICI

Lombard.

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Market Survey

Of

Investor’s Awareness on Equity Market

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Objective of the Survey …

The Project undertaken with the aims at finding out the perceptions of

people about Equity Market and to analyze how a layman does perceives the

stock market as an investing alternative.

By finding the perceptions of people about the Equity Market, and the factors

affecting these perceptions, the objective of the study is then to try and

identify ways to attract the non- investing community or the major target,

which forms majority of the non-investing community in securities.

According to RBI Data for the year 2001-02, household sector which

accounted for 82.4% of gross domestic savings, invested 38% of financial

savings in deposits, 33% in insurance / provident funds, 11% on small

savings, and 8% in securities.

Thus the fixed income bearing instrument are the most preferred assets of

the household sector in India.

But country to the conventional thought, this sector can be made to invest in

securities. The share of financial savings of the household sector in securities

(share, debenture, public sector bonds and units of UTI and other mutual

funds and government securities) was about 22.9% in 1991-92 before the

Harshad Mehta scam became public. This share later had gone down to a

mere 4.3% in 2000-01, which again increased to about 8% in 2001-02. This

supports the view that the household sector can be made to invest in

securities provided they are convinced about the nature of the market.

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But the fact that the markets are never convincing enough is what the

challenge to the whole process.

RESEARCH METHODOLOGY:

Data Collection:

Primary Data:

A comprehensive questionnaire has been designed for the purpose of the

study and the respondents were interviewed to collect feedback on the subject. His is the main

source for the primary data. Also, discussions among peers and colleagues were carried out on

the subject to understand the perceptions that people hold about Mutual Fund and Equity Market.

Secondary Data:

The Secondary Data was collected from books and journals relevant to the subject and also from

the Internet. This was mainly to get an understanding of the operational side of the market.

Sample Size:

The method of Random Sampling was followed for the purpose of Data collection and a sample

of 100 interviewed.

Questionnaire was randomly circulated and the respondents were interviewed for their thoughts

on the subject matter.

Statistical Tools:

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Descriptive analysis and percentage analysis have been used for the analysis of the Data.

Market analysis questionnaire format

Q1. Do you know about Fullerton Securities?

a) Yes b) No

Q2. Have you taken any product from this

organization?

a) Yes b) No

If Yes…………………………………………………………………………………..

Q3. How would you rate this organization on

the basis of customer service?

a) Great b) Satisfactory c) Moderate d) Awful

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Q4. Rate your satisfaction with the service

you have received/the purchase that has

been made.

a) Great b) Satisfactory c) Moderate d) Awful

Q5. Would you like to avail the services from

Fullerton securities?

a) Yes b) No

Name……………. Contact

No………….

Address………….

Occupation…………..

(Thank you for taking your time to complete

our survey)

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PREFERENCE OF AN INDIVIDUAL FOR INVESTMENT:

Objective: To know where the individual would like to invest his money.

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CONCLUSION:

Through the above data, we come to know that the maximum respondent opted for Fix Deposits

(FD’S) in banks for safe and guaranteed return. Secondly, they choose insurance for securing life.

Mutual Funds get 5th preference facing more competition with shares and properties.

PRIORITY OF INVESTMENT:

Objective: To know the basic USP of the product

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CONCLUSION:

According to the above data:

Maximum no of individuals prefer good returns.

Tax benefit is the second priority of investment.

Liquidity of investment is ranked the last.

CONCERN FOR INVESTMENT:

Objective: To know through which source the individual manages its portfolio.

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CONCLUSION:

From the above data, it can be derived that:

Most of individual take help of an agent/distributor/broker for their financial investment.

Second best response goes for self decision making in this regard.

Friend’s recommendation is the third choice to make investment.

AWARENESS OF MUTUAL FUNDS & EQUITY MARKET

Objective: To know awareness about mutual fund Equity Market as an investment option.

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CONCLUSION:

It can be concluded that:

58% of the people are aware of mutual funds & Equity Market.

42% are still unaware.

Hence, there is a large untapped potential & so there is a need to spread awareness through

proper promotional measures.

AWARENESS LEVEL OF MUTUAL FUND &SHARE MARKET COMPANIES:

Objective: To know the awareness level of individuals about the Mutual Fund companies.

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CONCLUSION:

It can be concluded that:

Majority of people are aware of the Reliance Mutual Fund i.e., 22%.

The same no of individuals are aware of other international players such as DSP Merrill Lynch,

Franklin Templeton, Fidelity, etc.

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SOURCE OF INFORMATION:

Objective: To know which source of information inspires the investor, the most.

CONCLUSION:

From the above data, it can be judged that:

Advertising played a very important role in getting information. Hence, maximum credit to media

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for spreading awareness.

Agents and friends play a secondary, but an important role.

PURPOSE/MOTIVATING FACTOR FOR INVESTMENT:

Objective: To know the root cause of an individual’s investment.

CONCLUSION:

From the above data, it can be analyzed that:

Most of individual like to invest for short term requirements and future purposes.

But after that the basic motive is to save for their dependents& retirement safety.

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SATISFACTION ON EXISTING INVESTMENT:

Objective: The level of satisfaction on existing schemes.

CONCLUSION:

Almost 82% of the respondents are satisfied with their investments in existing schemes while 18%

of the respondents are still not satisfied. Hence, they try to go for other investment avenues.

REASONS FOR NOT INVESTING IN MUTUAL FUNDS & SHARE MARKET:

Objective: To judge the basic retarding factor of public investment in mutual funds & Share Market.

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CONCLUSION:

According to above information, it can be analyzed that:

Most of the individuals are not investing in mutual funds, the major reason being lack of

appropriate knowledge.

Fear of uncertainty, Low return and Lack of trust are also considerable factors.

OPINION REGARIDNG FUTURE OF MUTUAL FUND INVESTMENT:

Objective: To know the future of mutual funds in the field of investment

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CONCLUSION:

Most of opinions go in favour of:

Excellent future of mutual funds i.e., 56%

About 38% assume that mutual funds have a moderate future because of cut throat competition in

different options of mutual funds.

Nearly 6% think that mutual funds can’t survive in future.

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Findings:

The results obtained from the Market Survey can be summarized into the

following findings, which can be concentrated upon attract people to invest

in shares:-

The awareness level about stock market is low which needs to be improved to attract

people towards investing in stock market.

Fullerton as Brand is well perceived by the people and this should be utilized by

Fullerton Wealth Management for penetrating the untapped market.

It is knowledge level of people, which is influencing their perceptions about the equities

market. Increased awareness will enable changes in perceptions and also increase the

investments in Mutual Funds.

More important than getting new customers is to retain existing customers as a satisfied

customer will get new customers and this can be achieved by increasing the awareness

levels of people.

The least preferred option is Equity Market as people have low level of knowledge and

consider it risky. On the other hand, majority of the common mass rate the services of

Fullerton as best, so this would help in convincing the customers.

The people who have never invested in Equity & Mutual Funds also had a good opinion

about it. The only thing was that their knowledge level was low for trading and they

wanted safety for their investments.

More than any thing else, it is safety that concerns the customers most about the share

market. This aspect must be targeted while approaching the new customers.

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SWOT Analysis:

Strengths:

Brand Name : The brand name “Fullerton” itself is the biggest strength as it was rated

among the top 10 Best Share Market company in Asia.

Advisory Services : Fullerton Securities & Wealth Advisor company got

EUROMONEY Awards -2009 for best corporate Advisory Services.

Different Investment Options : Fullerton Securities has got different investment

options.

Easy Procedure for Redemption of Mutual Funds : We have open-ended schemes, so

Mutual Funds are easily redeemable.

Weakness:

Unawareness : Most of the people are aware of Fullerton Securities as a Brand but they

are not actually aware the different kinds of services being provided by it.

Prove to Market Risk : The investment options depend on over all macro economic

conditions and market scenario.

Opportunities:

Hoarding : People who are having black money in huge amounts do not prefer to invest

in banks. So approaching them would be beneficial.

Indian Capital Market : The Indian Capital Market is growing at a rapid race. As a

result, more and more investors are interested in marketing investments.

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Tailor Made Products : We have tailor made products/ structured products such as

sector specific schemes and even diversified schemes.

Threats:

Tough Competition : Large number of Asset Management Companies are emerging

with new ideas, so there is a very tough competition.

Changing Market Scenario : Our market scenario is changing day by day i.e., our

market is fluctuating invariably, hence this makes investors hard to invest.

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Conclusion…

The perceptions of people about share markets are very strong. But they can

be influenced , if not completely changed.

The reason is that the people prefer staying away from the markets is lack of

confidence – about their own understanding of the market and the very

nature of the market.

The fact is that the Stock Markets themselves are volatile and wide open to

changes in external forces makes, and it much more difficult for people co-

consider them as an investment alternative.

The right kind of campaigning directed towards increasing the awareness of

people will get new customers. But more than that, this campaign will help ti

retain customers, which is the key to staying ahead in the market.

Fullerton Securities is currently one of the financial investment company in

the country and its strategies to penetrate further into the market will

certainly take it way ahead of its competitors.

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BIBLIOGRAPHY

Magazines:

Business World

Business Today

ICICI Bank

Newspaper:

Economic Times

DNA Analysis

Websites:

www.fullerton securities

www.google.com

www.yahoo.com

www.icici.com

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www.amfindia.com

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