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GENDER DIVERSITY IN FACTORS INFLUENCING INVESTMENT DECISIONS TOWARDS LESS-RISKY INSTRUMENTS
Abstract: Due to the Covid-19 pandemic, investors are unsure about the equity-market return because this is directly linked with the high risk. For this purpose, a gender-based study is performed to explore the factors for those investors who invest their maximum savings in less-risky instruments. The study extracted three factors: family member opinion, future security, and return. The Mann-Whitney test shows significant gender differences for two factors, i.e., family member opinion and future security on investing their maximum amount of savings in less-risky instruments. The study shows that their family member’s opinions influenced the investment decisions of males towards less-risky instruments. The present study is helpful for banking/financial industry (dealing in less-risky instruments) to expand their outlay and contribute to the development of the economy.
Keywords: Investment decisions, Risk-averse investor, Less-risky instruments, Factor analysis, Gender.