Abstract:
The preferences of the Investment behavior among the youth which is influenced by various factors,
including the financial knowledge, risk insights and digital platforms. This study explores the
preferences of investments, the barriers related to investments, and making different types of the
decision patterns among young investors using the data done by a survey. The findings in data
indicate most of the respondents have very basic financial knowledge and aren’t being able to invest
appropriately. The challenges such as lack of guidance and low income, hampers the participation of
their investment. The study also highlights the usage of the technology to investments and need
proper and reliable financial education courses to improve the investment habits among the Indian
youth aged 21 – 25 years and to have a proper financial planning for their wealth and short term
needs. The survey says that there should be a proper guidance as in they should include Financial
Literacy and Planning in their curriculum in all the streams (Science, Commerce and Arts) so that the
college students get proper knowledge as how they can plan our wealth in a proper way when they
get employed. The survey also says that when they get employed the salary which they earn initially
is very precious for them and so they would like their wealth to grow and easy their basic short term
wants so that they can plan everything accordingly without risks. The risks involved should be
minimal and the profit should be increased atleast by 10 - 25% to maintain their standard of living
and regular expenses. My survey says that the youth aged 21 – 25 lack behind in understanding the
financial literacy and planning and so in recommendations, there should be proper training which will
be available for the youth or at college levels, the curriculum should be designed in a way
compulsorily all the streams get aware of the latest technologies and opportunities available in the
market
