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APPENDIX INTERVIEW SCHEDULE SAVINGS AND INVESTMENT BEHAVIOR OF HIGHER SECONDARY SCHOOL TEACHERS IN ULHASNAGAR. 1. Age

:……………..… years

2. sex

: Male [ ]

3. Sector of teaching

: Public /Govt. [ ] Private/ Aided

Female [ ] []

SelfFinanacing [ ] 4. Nature of job

: Termanent

[ ]

Temporary

[]

5. Educational Qualification

: PG With B.Ed[ ] PG With B.Ed And Other[ ]

6. Year of job experience

: ……………. Years.

7. Your annual income (P.Y 2014-2015) : below2,50,000 [ ] 2,50,000-5,00,000 [ ] 5,00,001-10,00,000 [ ]above10,00,000[ ] 8. State your level of awareness about the following investment opportunities (V.h-very high, h-high, a – average, l-low, v.l – very low) Investment avenues

V.h H

Savings bank account Fixed deposits Gold/ silver Real estate Life Insurance Post office deposits Provident fund Shares or debentures Mutual funds Treasury bill Chitties and kurries

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A

L

V.l

9 Have you invested in any where

: Yes

No

(if no go to step 2)

step 1 : if yes 9.1.1 Where do you invested ( please put applicable to you) Sl. No

Investment avenues

9.1.1.1

Savings bank account

9.1.1.2

Fixed deposits

9.1..1.3

Gold/ silver

9.1.1.4

Real estate

9.1.1.5

Life Insurance

9.1.1.6

Post office deposits

9.1.1.7

Provident Fund

9.1.1.8

Shares or Debentures

9.1.1.9

Mutual funds

9.1.1.10

Treasury Bill

9.1.1.11

Chitties and kurries

Yes

no

9.1.2 For how many years do you want to invest : ……………… years 9.1.3 State the factors in which you prioritize while making investmentchoice (v.h-very high, h-high, a – average, l-low, v.l – very low) Sl.NO 9.1.3.1 9.1.3.2 9.1.3.3 9.1.3.4 9.1.3.5 9.1.3.6 9.1.3.7 9.1.3.8 9.1.3.9 9.1.3.10 9.1.3.11

Factors Safety Higher return Liquidity Less risk Good customer service Tax benefits Regular return Convenience Cost of investment Availability of income Professional management of service provider

52

V.h H A L

V.l

9.1.4 Your expected rate of return on your investment Below 6%

[ ]

7%-10%

[ ]

11%-15%

[ ]

above 15% [ ]

9.1.5 Frequency of investment Weakly [ ]Monthly [ ]Quarterly[ ]

Half yearly

[ ]

Yearly [

]

9.1.6 Rank the following goals of investment according to your preference Sl no

Variables

Rank

9.1.6.1

Emergency need

9.1.6.2

Children’s education

9.1.6.3

Children’s marriage

9.1.6.4

Retirement benefits

9.1.6.5

Tax benefits

9.1.6.6

Construction and acquisition of assets

9.1.7 Have you redeemed your investment before maturity date Yes

[ ]No [ ]

9.1.8 If yes, whether the following reasons causes to redeem your investment Sl no

Factors

Yes No

9.1.8.2.1

Non-performance of the investment

9.1.8.2.2

Non availability of information from service provider

9.1.8.2.3

Non availability of service support

9.1.8.2.4

Difficulty in maintain

9.1.8.2.5

Huge risk

9.1.8.2.6

Low rate of return

9.1.8.2.7

Poor service from service provider

9.1.8.2.8

As a result of blind investment

9.1.8.2.9

Life situation

9.1.8.2.10

More house hold expenses

9.1.9 Sources of getting information about investment brokers

[ ]

Journals and Magazines

financial institutions [ ] Advertisement in medias

Financial Consultants [ ]

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[ ] internet[

]

[ ] word of mouth [ ]

9.1.10 I make investment, I inspired by Own life

[ ] Family/ Relatives[

Ads [ ] others

]

Friends/ Colleagues [ ]

[ ]

9.1.11 Rate the following statements about your attitude towards investment ( S.A- strongly agree

Sl no

A-agree N- neutral D- disagree S.D- strongly disagree)

Variables

S.A

9.1.11.1 Return 1

My investment assure constant return

2

My investment assure constant return

3

My investment assure constant return

4

My immediate concern about investment is for income rather than growth

9.1.1.2

Investment procedure

1

Low calculations’ are required before investing compared to others

2

Up to date information are available about the scheme

3

Simple procedure for investment

4

Complicated procedures for encashing in maturity

5

Complicated procedure for redeem

9.1.11.3 Investment management 1

Very simple to invest and monitor fund performance on a regular basis

2

My investment is professionally managed by the service provider

3

I have well knowledge about my investment plan

4

I invested in well regulated sector

5

I am optimistic about my financial security in future due to my present investment

6

Media exposure has an influence on me in investment avenue selection

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SA N D

S.D

9.1.11.4 Nature of investment 1

My investment is more simple to handle and monitoring

2

I always prefer traditional investment (gold/silver/ land /bank deposits etc.)

3

I prefer the investment which give tax benefits

4

Always I have a confusion on which one is more beneficial to me

9.1.11.5 Safety and support 1

I get better support from service provider

2

I get better support from family

3

My investment is more safe

9.1.11.6 Risk 1

My investment’s return is high fluctuating

2

My investment has huge risk

3

I am ready to take risk on my investment

step 2 ( applicable to person not invested) 9.2

Do you have interest to invest

:

yes [ ]no [ ]

if no, 9.2.2 Whether the following factors leads to non-interest to make investment Sl. No

Factors

Yes

9.2.2.1

No investment awareness

9.2.2.2

No knowledge about where to invest and how to invest

9.2.2.3 9.2.2.4

Not ready take risk No guarantee on generate the absolute return on investment

9.2.2.5 9.2.2.6 9.2.2.7 9.2.2.8

Lack of support Income earned is not sufficient for make investment No safety measures are not available for secure the investment Complicated and more formal procedure for investment

9.2.2.9 Family burden 9.2.2.10 Difficulty in withdraw amount from investment.

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No