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<p>Equity investment plays a critical role in individual financial planning. However, participation among emerging investors remains constrained by perceived risk and limited financial literacy. Grounded in behavioural finance, this study examines how risk perception, demographic characteristics, and digital investment tools influence equity investment decisions among emerging investors in Bangalore. Primary data were collected from 100 respondents using a structured questionnaire and analysed using descriptive statistics, correlation, and regression techniques. The findings reveal that age has a statistically significant positive relationship with capital appreciation as an investment objective (<i>r</i> = 0.343, <i>p</i> &lt; 0.05), while income and educational qualification do not exhibit significant influence. The regression model is also significant (F = 4.155, <i>p</i> = 0.012), indicating that age significantly predicts capital appreciation (<i>r</i> = 0.343, <i>p</i> &lt; 0.05), while income and education are not significant. The study highlights the growing role of digital platforms and goal-based investing among young investors and recommends strengthening financial literacy initiatives and technology-enabled advisory services to support informed investment decisions.</p>

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Revisiting risk perception in goals-based equity investment: evidence from emerging investors in Bangalore

  • 期刊论文

  • 发表日期：

    2026年6月1日

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  • M Thamizhselvi,
  • Veto Dey,
  • V SasiKala,
  • Prabha Kiran

摘要

Equity investment plays a critical role in individual financial planning. However, participation among emerging investors remains constrained by perceived risk and limited financial literacy. Grounded in behavioural finance, this study examines how risk perception, demographic characteristics, and digital investment tools influence equity investment decisions among emerging investors in Bangalore. Primary data were collected from 100 respondents using a structured questionnaire and analysed using descriptive statistics, correlation, and regression techniques. The findings reveal that age has a statistically significant positive relationship with capital appreciation as an investment objective (r = 0.343, p < 0.05), while income and educational qualification do not exhibit significant influence. The regression model is also significant (F = 4.155, p = 0.012), indicating that age significantly predicts capital appreciation (r = 0.343, p < 0.05), while income and education are not significant. The study highlights the growing role of digital platforms and goal-based investing among young investors and recommends strengthening financial literacy initiatives and technology-enabled advisory services to support informed investment decisions.