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13 articles for “Risk tolerance”
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Savings to Investments: A Study of Financial Behaviour among Salaried Individuals
Abstract: The transition from saving to systematic investment has become increasingly significant in emerging economies, particularly among salaried individuals who rely on fixed monthly incomes. This study examines the financial behaviour, investment preferences, and risk orientation of salaried individuals through an empirical investigation. Primary data were collected from 150 respondents using a structured questionnaire, and statistical tools including descriptive analysis, Chi-square tests, Spearman’s correlation, and One-Way ANOVA were applied to examine …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 1, 2026 Read article
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A Study on Evaluation of Mutual Funds and Stock Investments: A Comparative Analysis
Abstract: Investment plays a vital role in achieving long-term financial security and wealth creation. It enables individuals to grow their savings, beat inflation, and meet future financial goals through disciplined planning and informed choices. This study explores the comparative merits and limitations of mutual funds and direct stock investments, two widely used investment avenues among retail investors. With the increasing participation of young and digitally empowered investors, the research focuses on …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 8, Issue 2, 2025 · pp. 1–9 Read article
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A Comparative Analysis of Public and Private Mutual Funds: A Study of SBI Mutual Funds and Aditya Birla Sun Life Mutual Funds
Abstract: Performance appraisal of mutual funds operating in the public sector and private sector provides critical insight into how ownership structure, management style, and strategic objectives influence investment outcomes. This paper compares SBI Mutual Fund, which represents the public sector, with Aditya Birla Sun Life Mutual Fund (ABSLMF), which represents the private sector. The key performance indicators that form part of the analysis include risk-adjusted returns, namely Sharpe Ratio, Treynor Ratio, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Role of Financial literacy in investment decision making
Abstract: Financial literacy plays an important role in helping individuals understand financial products, manage their money effectively, and make suitable investment decisions. With the increasing availability of investment options such as shares, mutual funds, fixed deposits, insurance, bonds, and digital investment platforms, individuals need adequate financial knowledge to compare different alternatives and select investments according to their financial goals and risk tolerance. This study focuses on examining the role of financial …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 Read article
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A Comparative Analysis of Risk, Returns, and Investment Preferences
Abstract: This research examines how investors choose between different financial instruments by analysing their investment preferences, perceived risk, and expected returns. The study compares popular options such as equities, mutual funds, fixed deposits, gold, and real estate to determine how factors like age, income level, and financial knowledge influence decision-making. Primary data from surveys and secondary sources were used to identify behavioural trends across diverse investor groups. Results indicate that younger …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 8, Issue 2, 2025 · pp. 1–5 Read article
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Risk and return analysis of selected Large Cap mutual funds.
Abstract: Every mutual fund is based on a particular objective, which could involve assets like equity, debt, or other types. Each fund has an associated return and risk. Mutual funds are trusts that collect money from different investors who share the same investment objective. The main aim of the investors should align with the objectives of the fund they choose. There are various types of funds available from Asset Management Companies …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 9–15 Read article
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Evaluating the Risk and Return Dynamics of ICICI Mutual Funds: A Case Study
Abstract: This paper investigates the risk and return analysis of ICICI Mutual Funds, one of the prominent mutual fund houses in India. This includes a detailed evaluation of the risk and returns aspects of 44 ICICI Mutual Funds, with an emphasis on equities funds in the Direct Plan- Retail, and High Net Worth categories. By employing standard financial metrics such as the average and standard deviation, the performance of these funds …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 7, Issue 2, 2024 · pp. 21–30 Read article
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A Concept for an Enhanced Future Readiness Model (FRM) for Firms in the Context of Industry 4.0
Abstract: Since the pandemic organizations have focused on ways to improve engagement, adapt to the new world and develop strategies for survival. In support of these goals an enhanced future-readiness model is proposed that encompasses concepts from ambidexterity, strategic foresight and organisational resilience applied to the industry 4.0 context. The model identifies thirteen primary (13) internal and external factors that can be used to design and apply a future readiness model …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 6, Issue 1, 2023 · pp. 1–9 Read article
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A Study of Gender-Based Differences in Household Finance Decisions and Consumer Behavior
Abstract: This study examines gender-based differences in household financial decision-making and consumer behavior in urban India. Household finance decisions, such as saving, spending, investment, and credit usage, are influenced not only by economic factors but also by behavioral and psychological attributes, which often vary across genders. The study adopts a quantitative and analytical research design based on primary data collected from urban households. A structured questionnaire was used to collect data …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Performance Analysis of Quant, ICICI, Kotak, SBI, and Franklin Balanced Mutual Funds
Abstract: Mutual funds have emerged as a popular investment option in India, particularly in the form of balanced funds that offer a diversified portfolio of equities and debt securities. This study aims to analyze the performance of the top five balanced funds in India, with the objective of assisting investors in achieving their investment goals through portfolio diversification and maximizing returns. The study begins by introducing the concept of mutual funds …
Published in NOLEGEIN Journal of Performance Management & Retention Strategies · Vol. 6, Issue 1, 2023 · pp. 38–43 Read article
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A Markov Chain Model for Assessing the Risk of Road Transport in Nigeria
Abstract: In this paper, we study the occurrence of road accidents in the South-East geopolitical zone of Nigeria to determine the fatality within the period under study. The data for the study was secondary data collected on road accidents from FRSC Statistical Digest, 2019 - 2023. We adopted Markov chain analysis to determine the risk of road transport using the risk matrix. From the result of the study, we discovered that …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 8, Issue 1, 2025 · pp. 10–18 Read article
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From Perception to Prediction? a Cross‑sectionalsurvey of 120 Finance Professionals with Fulldiagnostic Checks
Abstract: Purpose: Perception‑based surveys are common in forensic accounting research but are often criticised for lacking methodological rigor, particularly regarding common method bias, multicollinearity, and discriminant validity. This study addresses these criticisms by presenting a cross‑sectional survey of 120 finance and audit professionals that implements and transparently reports a comprehensive suite of diagnostic checks – including Harman’s single‑factor test, full collinearity VIF, confirmatory factor analysis (CFA), average variance extracted (AVE), composite …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Artificial Intelligence in Retail Customer Engagement: A Systematic Review ofTools, Strategies, and Consumer Impact
Abstract: Retail customer engagement has broadened far and wide thanks to the swift adoption of Artificial Intelligence (referred henceforth as AI) technologies; making it possible for businesses to create a lot more personalized, efficient, and interactive consumer experience. In this paper, a systematic review of recent research on AI in retail settings was conducted based on the implementation and application of AI tools in consumer-retailer interface areas, as well as their …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 9, Issue 02, 2026 Read article