DIAS Fullerton

8/10/2019 DIAS Fullerton

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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 customersegments. 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.

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.
http://www.fullertonsecurities.co.in/equity/open_account.aspxhttp://www.fullertonsecurities.co.in/financial_planning/financial_planning.aspxhttp://www.fullertonsecurities.co.in/equity/markets/research_reports.aspxhttp://www.fullertonsecurities.co.in/equity/markets/research_reports.aspxhttp://www.fullertonsecurities.co.in/financial_planning/financial_planning.aspxhttp://www.fullertonsecurities.co.in/equity/open_account.aspx


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12http://www.fullertonsecurihttp://www.fullertonsecuritie

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

Mission

Pillars

Vision

Values

Enabling Success, Enriching Lives

Unique

value

Proposition

Financial

model

Business

model

Critical

pathKPI

People

Empower-

ment

Execution

Disc ipl ine

Right

People

Organizati

onal

Alignment

Executio

n

Disciplin

e

Processe

s

Caring ; Honesty ; Passion to Excel ; Team Work ; Disciplined

Professionalism

To create superior

long-term shareholder value

infinancial sectors across Emerging

Markets Organic Growth Acquire and Transform

Improve Productivity Optimize Capital Risk-Reward Balance

Fullerton Securities vision is to

createvalue through focus & discipline

FS Vision


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3http://www.fullertonsecurihttp://www.fullertonsecurities.co.in/http://www.fullertonsecuri

Key Milestones for FFH

16 financial institutions in 9 countries.

Total headcount in FFH now 104, and close to 65,000employees in our investee institutions

Market value of investments of approx ~US $40 billion

Incorporation Jan

2003

Indonesia, Jun2003

India, Dec2003

Pakistan,

Feb 2005

South Korea, Mar

2004

Malaysia, Mar 2005

China, Jan

2005

China, Aug

2005

Dec 2005

Dec 2007

China, Dec

2005

Dec 2003

Mar 2006

India, Apr

2009

UAE, Sep2008

India,

FICC

Renamed toFullerton

Financial April07

FFH


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Marketing & Wealth Management Product

MarketingMajor Function 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 Ps 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 SECURITIESwe will have to go

through seven Ps 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 - Customers minimum set of expectation from service.

> Augmented - Offering in addition to what customer expects.

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


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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 its services to retain its customers 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 throughinstructions 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

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


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companies provide the service according to their customer needs and wants.

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

Unique Value Proposition

Need based Financial Planning & Advisory services

Wide and un biased (3rdparty & proprietary) product range

offered as an integrated offering vs. One-off produ ct pus h

Value for repeat business o r upgr ade

Relationship pricing; value based; competit ive; no t necessarily the

lowest

Better pricing for well-performin g segments; based on vintage or

recognit ion of cus tomer prof i le

Flexible payment op tions

Deliver returns better than deposit b enchmark

Regular access to Research / Inform ation

Full relationship access acros s all custom er touch -points; 360

customer view

Access to internat ional investment opt ions for divers if icat ion

Personal RM and s uppo rt team of specialists to ensure

continuity

Ongoing monitoring and advice for rebalancing

Fast and accurate proc essing

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

all produc ts

Convenience of online view of entire relationsh ip with

perform ance measurement tools

Advisory (Research) and execution capabil ity

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

not only offers products

Product

Price

Convenience

Service

Experience

ValueProposition


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Wealth management Products

Financial Planning

Financial planning is a systematic approach by which you get to maximize your existingfinancial resources by utilizing several financial tools to achieve your financial goals.

Investing is an essential and indispensable 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

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 abig difference. Long-term investing in the stock market pays off quite generously too.


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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-testedinvestment 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 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
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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 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.
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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

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.

Investing in equities is definitely a path to higher returns as

While investing in equitiescarries risk, it is an asset class that outperforms in the long run.

You can invest in equitiesthrough 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 increaseprices 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 a

universal agreement on the fact that stocks and shares comprise the best medium to provide

long-term capital gains for investors.


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Conclusion:

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 management

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.

> 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 favorable at that time.
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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 firstinvestment

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 oninvestment 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 onredemption date

48.66 23.88 48.66 23.88

Total value onredemption

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 endeavor 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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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 butthey 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 toinvest 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.

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

sector specific schemes and even diversified schemes.


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


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Market Survey

Of

Investors 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.

But the fact that the markets are never convincing enough is what the challenge to the whole

process.


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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

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

Q6. Where you would like to invest?

a) Fixed Deposits b) Insurance c) NSC d) Shares

e) Properties f) Mutual Funds g) Others

Q7. What do you want in a good product?

a) Tax Benefit b) Returns c) Liquidity d) Cost

Q8. How do you manage your portfolio?

a)

Self b) Agent c) Friend d) Broking Company e) Others


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Q9. How do you consider Mutual funds & Equity Market as an investment option?

a)Good b)Not Good

Q10.Youropinion regarding future of Mutual Funds as an investment option?

a) Excellent b) Moderate c) Poor

Q11. Mutual Fund companies you are aware about?

a) Reliance b) Birla c) Tata d) SBI

e) HDFC d) ICICI e) Others

Q12. Preferred mode of investment?

a) Monthly b) Quarterly c) Half-Yearly

d) Yearly e) Onetime

Q13. Which source of information inspires you the most?

a) Friend b) Agent c) Advertisement d) Others

Q14. Purpose of Investment?

b)

Dependent b) Retirement c) Home d) Others

Q15. Are you satisfied with your current investments?

a)Yes b) No

Q16. Reasons for not investing in Mutual Funds?

a) Risk b) Lack of Knowledge c) Low Returns

d) Lack of Trust e) Others

Name. Contact No.


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Address. Occupation..

(Thank you for taking your time to complete our survey)


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26

PREFERENCE OF AN INDIVIDUAL FOR INVESTMENT:

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

CONCLUSION:

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

Deposits (FDS)in banks for safe and guaranteed return. Secondly, they choose insurance

for securing life. Mutual Fundsget 5thpreferencefacing more competition with shares and

properties.

Series1, Fixed

Deposit, 24%

Series1, Nsc, 0%

Series1, Shares,

18%

Series1, Mutual

fund, 12%

Series1,

Properties, 16%

Series1,Insurance, 22%

Series1, Others,

8%

Investment preference

Fixed Deposit Nsc Shares

Mutual fund Properties Insurance

Others


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PRIORITY OF INVESTMENT:

Objective: To know the basic USP of the product

CONCLUSION:

According to the above data:

Maximum no of individuals prefer good returns.

Tax benefitis the second priorityof investment.

Liquidity of investment is ranked the last.

Series1, tax

benefit, 14%

Series1, good

return , 64%

Series1, liquidity,

12% Series1, cost, 2%

Investment priority

tax benefit good return liquidity cost


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CONCERN FOR INVESTMENT:

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

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.

Friends recommendation is the third choice to make investment.

Series1, Self, 32%

Series1, Agent,

34%

Series1, Friend ,

26%

Series1, Broking

company, 8%

Series1, Others,

0%0%

5%

10%

15%

20%

25%

30%

35%

40%

Self Agent Friend Broking company Others

Investment concern

Self Agent Friend Broking company Others


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AWARENESS OF MUTUAL FUNDS & EQUITY MARKET

Objective: Toknow awareness about Mutual funds & Equity Market as an investment

option.

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.

Series1,

positive

response ,

58%, 58%

Series1,

negativeresponse,

42%, 42%

Awareness level


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AWARENESS LEVEL OF MUTUAL FUND &SHARE MARKET COMPANIES:

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

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.

Series1, Reliance

Mutual Fund,

22%

Series1, Birla

Mutual Fund,

16%Series1, Tata

Mutual Fund,12%

Series1, SBIMutual Fund,

10%

Series1, HDFCMutual Fund,

10%Series1, ICICI

Mutual Fund, 8%

Series1, Others

Collectively, 22%

Awareness of Mutual Fund Companies

Reliance Mutual Fund Birla Mutual Fund Tata Mutual Fund

SBI Mutual Fund HDFC Mutual Fund ICICI Mutual Fund

Others Collectively


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Series1,

Monthly , 56%

Series1,

Quarterly, 8%

Series1, Half-

yearly, 18%

Series1, Yearly,

4%

Series1,

Onetime, 14%

Preferred mode of invesment


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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 for spreading awareness.

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

Series1, friend,

24% Series1, agent ,

21%

Series1,

advertisement ,

48%

Series1, others,

7%

Source of informationfriend agent advertisement others


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PURPOSE/MOTIVATING FACTOR FOR INVESTMENT:

Objective: To know the root cause of an individuals investment.

CONCLUSION:

From the above data, it can be analyzed that:

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

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

Series1,

dependent ,

26%Series1,

retirement, 22%

Series1, home ,

14%

Series1, others,

38%

Motivating factor

dependent retirement home others


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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.

Series1,

yes,

82%,

82%

Series1, no,

18%, 18%

Satisfaction level


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REASONS FOR NOT INVESTING IN MUTUAL FUNDS & SHARE MARKET:

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

Market.

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.

Reasons for not investing in mutual funds

risk uncertainity lack of knowledge low return lack of trust others


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OPINION REGARIDNG FUTURE OF MUTUAL FUND INVESTMENT:

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

CONCLUSION:

Most of opinions go in favor of:

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

About 38% assume that mutual funds have a moderate futurebecause of cut throat

competition in different options of mutual funds.

Nearly 6% think that mutual funds cant 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 anything 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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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 to 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.fullertonsecurities.in

www.google.com

www.yahoo.com

www.icici.com

www.amfindia.com

DIAS Fullerton

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Transcript of DIAS Fullerton