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July 10, 20260 citationsOpen Access

An Empirical Analysis of Financial Planning Efficiency and Portfolio Diversification among Household Investors in Andhra Pradesh

AKARUN KUMAR GEDDADA SUBHASHINI KKrishna University

Key Points

This study aims to analyze the financial planning efficiency and investment diversification of household investors.
Data collected from 150 household investors through a structured questionnaire.
Participants selected via stratified random sampling across urban and rural segments.
Statistical analysis performed using SPSS 21 and Microsoft Excel.
Moderate levels of financial planning efficiency identified among investors.
Limited diversification practices were observed in household investment behavior.
Financial literacy, income, and education were significant predictors of better investment behavior.

Abstract

ABSTRACTThis study examines financial planning efficiency and investment diversification practicesamong household investors in Andhra Pradesh, India. Using a structured questionnaire, datawere collected from 150 household investors selected through stratified random sampling acrossurban and rural segments. Statistical analysis (descriptive statistics, chi-square, correlation, andregression) was performed using SPSS 21 and Microsoft Excel. Findings reveal moderate levelsof financial planning efficiency and limited diversification, with financial literacy, income, andeducation emerging as significant predictors of better investment behavior. The study concludeswith practical suggestions to improve financial awareness and portfolio diversification amonghouseholds.

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