A

Summer Training Project Report

ON

The world's local bank

INVESTMENT & WEALTH MANAGEMENT ANALYSIS
JODHPUR
Submitted in partial fulfillment for the
Award of degree of
Master of Business Administration

SUBMITTED BY: SUBMITTED TO:

TRIPTI TIWARI MS. NEELU TUTEJA
MBA, III SEM. MS. YAMINI GUPTA
MIMT KOTA FACULTY MEMBERS, MIMT
KOTA
Banking: Private Sector

New Private Sector Banks

 Superior Financial Services

 Designed Innovative Products

 Tapped new markets

 Accessed Low cost NRI funds

 Greater efficiency
HSBC
COMMERCIAL BANKING
 Personal banking
 Non Resident Indian banking
 Financial Planning services
 Corporate Banking
 Business Banking
 Payments and Cash Management
 Trade (international and domestic)
and factoring services
 Institutional Banking
 Treasury and Capital markets
 Custody and clearing
 Asset Management
 Global Resourcing
 Data Processing
 Primary Dealership
 Primary Equity
 Asset Service
 Investment banking
HSBC PREMIER

 Relationship Management
 Investment Services
 Broking Services
 Exclusive HSBC Premier Centers
 Special Account for Children
 HSBC Premier debit Card
 High cash withdrawals
 HSBC Premier Master Card
 Home banking
 No Bounce Cheque protection
 HSBC Premier Global service
wealth management for HSBC
Premier
 Investment & Risk analysis
 Need identification
 Various investment avenues
 Fund management
 five category of portfolio
 SECURE
 MODERATELY CONSERVATIVE
 BALANCED
 MODERATELY AGGRESSIVE
 AGGRESSIVE
VARIOUS INVESTMENT AVENUES

 Equities
 Mutual funds
 Bonds
 Deposits
 Cash equivalents
 Real estate
 Gold
Research Methodology
 Title: Investment & Wealth management
analysis; premier
 Universe: jodhpur

 Sample size:50( customers & prospects)

 Sample type: convenience sampling

 DURATION:60 DAYS

(21/06/2010-21/08/2010)
 RESAERCH TYPE: Descriptive
Research Objective
1) Main objective
 The main objective is to know the awareness of Wealth
Management Services provided by the bank.

2) Specific Objective
 To know the risk taking ability of investors;
 To study the investment pattern of the customers;
 Creating relationship with the customer to have their
sources;
 To study the financial needs of the customers;
 To educate investors to take active part in Wealth
Management;
 To motivate customers to take more risk and generate
more return.
 Analysis and Interpretation
1. Age:
0% 16%
30%
1
2
3
4
 Where,
54%
Less than 18
18-30
30-50
Above 50
Occupation details:
0%
20%
1
0%
2
3
4

80%

1. Private sector service

2.public/government sector
3. Self employed/ professional
4.others (please specify) ………
gross annual income details
4%
0%
16% 20%
1
2
3
4
5

60%

1.UptoRs.2,00,000
2.Rs.2,00,001-Rs.5,00,000
3.Rs.5,00,000-Rs. 10,00,000

4.Rs.10,00,001-Rs.50,00,000
5. above Rs. 50, 00,000
INVESTMENT OBJECTIVE:
What is the primary objective for the investment portfolio?

0% 6%

1
40%
30%
2
3
4
5

24%

1. To assume safety of my principal

2. To generate income. If so how much you need
annually…
3. To achieve a particular investment goal
4. To accumulate assets for retirement
5. Others Please explain……………
Which types of investment vehicles are
most suitable for your portfolio?

14%

6%
40% 1
2
3
4

40%

1. HSBC FIXED DEPOSIT

2. CERTIFICATE OF DEPOSIT
3. MUTUAL FUNDS
4. SYSTEMATIC INVESTMENT PLAN
If your investment portfolio suffered a temporary decline, could
you cover your immediate cash flow needs from other sources
of assets?

0%

30%

1
2
50%
3
4

20%

1. No. There are no other assets that I could use to cover my immediate
cash flow needs
2. Yes. I’ve other assets to cover my immediate cash flow needs, but it’d
be difficult to access them
3. Yes. I have other assets to cover my immediate cash flow needs, but
some advance planning would be necessary.
4. Yes. I’ve other assets to cover my immediate cash flow needs.
 RISK PROFILE
How many years of experience do you have with
investment products the value of which can
fluctuate (including “buy and hold” and active
trading?

1. No experience 0% 10%
2. Less than 3 years
3. between 3 and 6 years
4. More than 9 years 40% 1
2
3
4

50%
 Approximately what percentage of your assets is currently held
in investment products where the value can fluctuate?

1. Between 0% and 10% 46% 1

2. Between 10% and 25% 54% 2

 What level of fluctuations would you generally be comfortable
with?

10% 10%

1
20%
2
30% 3
4
5

30%

1. Fluctuates between -5% and +5%

2. Fluctuates between -10% and +10%
3. Fluctuates between -15% and +15%
4. Fluctuates between -20% and +20%
5. Fluctuates between -50% and +50%
 What time horizon would you generally be comfortable with when investing in
products the value of which can fluctuate?

1. between 1 and 3 years 40%

2. between 4 and 5 years
1
2
60%
 An investor has a need for investment, there has been made various
classification of needs.

20%

30%

1. property purchase 1
2
2. children’s education
3
3. children’s marriage
4
4. securing lifestyle 20%
5
5. retirement
20%
10%
 Recommendations & Suggestions

The sample of 50 customers and prospects were

suggested the developed portfolio on the basis of
various information gathered and the investors for
different category has been presented below:

1. SECURE
final result for selected sample
2. MODERATELY CONSERVATIVE
25
3. BALANCED
20
3
4. MODERATELY AGGRESSIVE
5. AGGRESSIVE
15
2 5 Series1
10

1 4
5

0
1 2 3 4 5
FACTS & FINDINGS
 PFR the Financial Analysis Tool and the Insurance Needs
Calculator predict the future needs and amount of cover
required by a particular customer in an effective manner.
 Wealth management services at HSBC bank are amongst the
best in the industry with the prime thrust on niche market.
 The services provided by the bank are better than the
competitors.
 The brand makes regular efforts to gain more business from
its existing subscribers by telemarketing.
 Telemarketing executives seems to be well trained to interact
with customers with end result of building highly positive
brand associations, if not more revenue.
 It has started the concept of Social Workforce balance in
which the employees are given time to fulfill their social
obligations.
 The revenues have grown up with the Wealth
Management Services and the Premier customers are
more satisfied with these services.
 The bank is using a double edged weapon for fulfilling
its social commitments, as well as effectively publishing
its services by way of conducting various events on
Saturday’s which include
 Magic shows
 Painting competition for children
 Craft making competition for children
 Cartoon day celebration
 To increase the morale of the employees’ celebrations
for target beaters along with the celebration of the
birthdays are done.
 Effective portfolio development and management is
done.