Financial Risk Management
The Relationship Between Demographic Variables of Investors and Apprehension About Investment: An Empirical Analysis

Article Details
Pub. Date : Mar, 2019
Product Name : The IUP Journal of Financial Risk Management
Product Type : Article
Product Code : IJFRM31903
Author Name : Yasmeen Ansari
Availability : YES
Subject/Domain : Finance Management
Download Format : PDF Format
No. of Pages : 09



People want to earn out of their saved money by investing in different avenues, but sometimes due to lack of knowledge, experience, education in the field and other factors they are afraid of investing. Particularly, they are apprehensive of investing because of losing money, making a mistake, or fear of failure. Various studies have been conducted to find out the relationship between the various factors and the apprehension of investing in different areas, but no study till date seems to have been done to find out the relationship between demographic variables of investors and their apprehension about investment. The present study is conducted on a very large scale to find out this relationship. Mixed type of results are obtained. Relationship between gender, occupation and apprehension about investment was found insignificant, while age, education and income are found to be significantly related to apprehension about investment.


Optimism and fear are central determinants of an individual investor’s trading and risk-taking behavior, but what makes investors optimistic or frightened? Investment is always attached with the element of risk of losing the invested money and this loss is not under the control of the investor. There are a number of factors which influence the people in making their investment decisions. Demographic factors of investors such as gender, age, education, occupation and income are the key factors. But sometimes, demographic variables play a critical role in demotivating the investors in taking investment decision. The present study has been undertaken to find out the relationship between demographic variables and apprehension of investors.


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