Investors are not
alike. Their investment motives are different. A lay
investor may not know all the principles of good
investment. He may require the assistance from some body else to
analyze objectively his profile and
to get his possible future financial needs identified. The
following are the usual concerns of an investor.
::Ease of transaction
One may also not know how to address these concerns to
various investment avenues while taking investment decisions. He may
even not know what are the investment avenues available. In short, he may require the help of an expert to take investment decisions.
The main objective of INVEST INN is to
provide this helping hand to investors.
Qualified young persons are recruited and given
intensive training on the concepts like Personal financial management and
wealth management. And also on the various financial products.
Training inputs include modern marketing techniques and adequate awareness
on capital market, monetary policies etc.
At present various financial products like equity, bonds, mutual funds,
insurance, government saving scheme are distributed through commission
agents. The commission agents of these financial products often
aggressively sell their products. They bring to the notice of the
lay investor the positive aspects of their products. They don't tell
anything about their possible weak points. Mention about comparative
products or competitors' products are never made. The selling often
takes place more because of the selling abilities of the salesman.
The selling can also take place based on the selfish interest of the
salesman. The prospects' needs and interests are often not addressed
properly. In short, selling is often salesman-oriented rather than
customer-oriented. Very often, salesmen's commission is the deciding
In INVEST INN, unlike this present practice, the sales promoters
INVESTMENT ADVISORS as they are called-are remunerated by way of salary
instead of commission, so that commission is not on the back of their mind
while making sales.
Our investment advisors are expected to help the investors to do proper"
Personal Financial Management"-
First, investors' financial profile is brought up-his wealth, his
and his existing investment etc.
Then, his future financial needs are identified.
Then, the investor is told about the various financial products
and their characteristics.
Finally the investors' needs and concern are matched to the financial