INVESTMENT BEHAVIOUR OF YOUNG WOMEN INVESTORS IN NAVI MUMBAI: A COMPARATIVE STUDY OF SYSTEMATIC INVESTMENT PLANS AND LUMP SUM INVESTMENTS

Investment planning has become increasingly important for young individuals in India, especially with the growing awareness of mutual fund investments. Among the various

investment options available, Systematic Investment Plans (SIP) and Lump Sum investments are commonly chosen methods. Each approach has its own advantages, and selecting the appropriate method depends largely on the investor’s income pattern, financial goals, and risk-taking ability. This study aims to compare SIP and Lump Sum investment methods and understand the preferences of young investors in Navi Mumbai. The research is based on primary data collected from 80 respondents through a structured questionnaire. The responses were analysed using percentage analysis and simple tabular presentation techniques. The findings show that while many young investors are attracted to Lump Sum investments due to the possibility of earning higher returns in a shorter period, SIP is preferred for its disciplined approach and affordability. Most respondents demonstrate moderate risk tolerance and consider expected returns as the main factor influencing their investment decisions.

The study provides useful insights into the financial behaviour of young investors and helps in understanding which investment method is more suitable based on their financial profile. It may also assist financial advisors and institutions in designing better investment solutions for this age group.