PERCEPTION OF GOVERNMENT EMPLOYEES TOWARDS DIFFERENT INVESTMENT OPTIONS WITH REFERENCE TO RAJKOT CITY

Abstract

This study aims to analyse the attitudes and beliefs of government employees regarding various investment avenues available in India, as well as to explore the association between their demographic profiles and investment perceptions. Investment in different avenues plays a crucial role in the financial well-being and future security of individuals. In India, a wide range of investment options are available, including stocks, mutual funds, real estate, fixed deposits, government-backed bonds, cryptocurrency, and gold. Each investment avenue offers unique features, risks, and potential returns, catering to diverse investor preferences and goals. Understanding the perception of government employees towards these investment options is essential, considering their role as key contributors to the country's workforce and economy. The research objectives of the study are twofold: Firstly, to analyse the perception of government employees towards different investment avenues, including their attitudes, preferences, and concerns regarding various options. Secondly, to explore the association between the demographic profiles of government employees—such as age, gender, and monthly income—and their perception towards different investment avenues. By achieving these objectives, the study aims to provide insights into the factors influencing government employees' investment decisions and guide policymakers and financial advisors in designing tailored investment strategies and education initiatives. The sample size for the study comprises 100 government employees from Rajkot City. By focusing on government employees in a specific urban setting, the study aims to capture localized insights into investment perceptions within this demographic group. Through surveys, interviews, and data analysis, the study seeks to elucidate the nuanced attitudes and preferences of government employees towards different investment avenues and identify potential demographic factors influencing their investment perceptions.