Time Horizon Analysis for Investments in Punjab and Haryana Based On Investor Demographics

Abstract Introduction: There are several investing products accessible today. An investor has several possibilities to allocate their capital. The fund managers administer these assets to reduce risk and guarantee consistent returns. With the founding of the Unit Trust of India (UTI) in 1964, India's mutual fund sector got its start. A variety of mutual funds exist to accommodate the interests and preferences of investors. In accordance with ownership, the operational system, the portfolio, and the location. Aim of the study: The main aim of the study is to Time horizon analysis for investments in Punjab and Haryana based on investor demographics Material and method: Investment behavior research considers the demographics and socio-economic position of investors to be significant. The anticipated data is obtained from primary data sources. A total of 500 respondents were chosen using a bespoke structured questionnaire utilizing a judgmental sample method, covering 10 densely populated cities in Punjab and Haryana, with five cities from each state based on the 2011 population census. Conclusion: The investing aim of individual investors is to ensure the sustainability of all recurring cash inflows with a forward-looking approach. The research revealed that the female counterparts in both states exhibit less interest in investing compared to their male counterparts. Respondents aged 31-40 engage in investing activities more actively than those in other age groups, and married respondents are likewise more actively engaged in investment endeavors.