A Study on Personal Financial Planning Behaviour for Salaried Employees
DOI:
https://doi.org/10.64137/31080030/IJFEMS-V2I2P106Keywords:
Financial Planning, Savings, Investment Decisions, Financial Stability, Employees, Financial AwarenessAbstract
Financial planning plays an important role in improving the financial stability and future security of individuals. This study aims to analyze the financial planning behaviour and investment decisions of employees. The study mainly focuses on savings habits, budgeting practices, investment preferences, insurance awareness, and long-term financial goals among employees. Primary data was collected from 130 respondents using a structured questionnaire. Statistical tools such as percentage analysis, ANOVA, chi-square, and regression analysis were used for data interpretation. The findings of the study reveal that most respondents maintain monthly budgets, prefer long-term investments, and believe that financial planning helps in managing future expenses and improving financial stability. The study concludes that proper financial planning and financial awareness encourage better saving and investment practices among employees.
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