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“Advertency of Financial Aspects on Determinants of Investment Practices among Working Professionalsâ€

Author

Listed:
  • Dr. Dilshad Begum

    (Associate professor, Department of commerce and Management Government College (Autonomous) Mandya, Mandya University, Mandya)

  • Shreelalitha M S

    (Research Scholar, Mandya University, Mandya)

Abstract

Introduction In today’s dynamic economic environment, the investment behavior of working professionals is increasingly influenced by their awareness and attentiveness—Advertency—to financial aspects. This study examines how such Advertency shapes the determinants of investment practices, including risk perception, expected returns, liquidity preference, and time horizon. Using a quantitative survey method among working professionals from diverse sectors, the research finds a significant correlation between financial Advertency and informed investment decisions, indicating that greater financial awareness enhances portfolio diversification and long-term wealth creation. Purpose: The purpose of this study, Karnataka is taken as an area of the study. All those salaried individuals of Karnataka whether in government or nongovernment job and those who fall under income tax bracket were consider. Methodology: The researcher collected 100 samples by using questionnaires included demographic profile of respondents and closed-ended questions and open ended questions regarding the factors on a 5 point Likert scale. The study analyzed by using Chi-Square test (χ2) is: χ2= (o-e) 2/e. Findings: The result shows that financial planning, budgeting, savings, mutual funds, insurance, and retirement schemes are significantly associated with working professionals. Hence, confirming that advertency of financial aspects strongly influences investment decisions. Ethics and dissemination: Working professionals, while often having higher financial literacy than the general public, are still susceptible to the influence of financial advertisements. Several factors determine their investment practices:

Suggested Citation

  • Dr. Dilshad Begum & Shreelalitha M S, 2025. "“Advertency of Financial Aspects on Determinants of Investment Practices among Working Professionalsâ€," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(9), pages 5321-5326, September.
    • Handle: RePEc:bcp:journl:v:9:y:2025:issue-9:p:5321-5326
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    References listed on IDEAS

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    2. Lusardi, Annamaria & Mitchell, Olivia S., 2007. "Baby Boomer retirement security: The roles of planning, financial literacy, and housing wealth," Journal of Monetary Economics, Elsevier, vol. 54(1), pages 205-224, January.
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