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VOL. 11, ISSUE 12 (2025)
Investment behaviour and financial decision-making patterns of college teachers in Trichy District
Authors
S Johnsy, Dr. N Maheswari
Abstract
The subject of investment behaviour by salaried professionals has
received significant academic interest in regards to the rapid growth of the
financial markets, widespread digitisation, and changing economic trends in
India. The current study is dedicated to the problem of investment preferences
and financial decision-making of the teachers of Colleges located in the Trichy
District, an area that is characterized by a high level of heterogeneity of
institutions of higher learning and one of strong socio-economic diversity of
the pedagogical staff in the District. Descriptive statistics were utilized by
surveying a sample of 425 respondents to shed light on the current investment
trends, and an analysis of variance (ANOVA) was used to identify the
inter-group differences on demographic factors. At the same time, a
multiple-regression model was used to determine the relative impact of
financial literacy, risk perception, and level of income on investment
behaviour. The empirical data show that teachers exhibit an intermediate level
of overall involvement in investment activities, but significant differences in
age create differences in frequency and instrument selection. In particular,
regressions are used to prove that financial literacy is the most salient
predictor of investment activity, and it beats risk perception and income as
predictors of behavioural outcomes. In addition, the risk perception has a
substantial, but indirect impact, and increased income moderately increases
investment participation. These findings demonstrate the necessity of carefully
developed financial education programs, addressing the requirements of
educators. Financial acumen among this demographic can be improved and will
probably result in more informed and strategic investment choices. These
insights would enhance the economic well-being of the teaching professionals in
the area, and their harnessing by the academic community, the policymakers of
different nations, financial institutions, and by the university administrators
would prove beneficial. The present work can therefore make a significant
contribution to the growing body of knowledge on behavioural finance as well as
provide practical suggestions to institutional stakeholders who want to improve
the level of financial literacy of the academic labour force.
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Pages:129-132
How to cite this article:
S Johnsy, Dr. N Maheswari "Investment behaviour and financial decision-making patterns of college teachers in Trichy District". International Journal of Commerce and Management Research, Vol 11, Issue 12, 2025, Pages 129-132
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