Analysis of the Risk and Return of alternative Investment Opportunities available to High Net worth Individuals – A Case Study of ING Vysya Bank Limited

Abstract

Portfolio Management has been an integral part for any investor. Each Investor, whether small or big is trying to maximize his/ her returns by making a diversified investment. To diversify the investment the risk and return trade off of each investment avenue has to be studied. Therefore the study of portfolio management and risk and return is very important of an investor. Now days there are professional investment advisors who study the risk and return portfolio of each investor and design the most well suited portfolio from him/ her. Banks also provide professional investment advice. This has opened up a huge market for the advisors and has become very competitive. In this paper ING Vysya Bank has considered for study. The ING Vysya Bank also provides professional advise to its clients. A common problem faced by the bank’s advisors is that they have a low conversion rate on the advice given by them. Therefore a study and analysis has been conducted on a sample of 10 HNI’s of the bank to analyze their investment portfolio and risk appetite. An analysis of the bank’s products is also conducted to understand them in detail. Then the required suggestions are made to the investment advisors to improve the conversion rate and retain HNI’s.