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@article{174556,
        author = {Shreya sanghavi and DR. GANESH CHAVAN},
        title = {Factors Influencing Investment Decisions},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {11},
        pages = {168-176},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=174556},
        abstract = {Investment decisions are influenced by a myriad of factors that collectively determine the success of financial growth and stability. One primary factor is market conditions, encompassing interest rates, inflation, and overall economic health, which can sway investor confidence. Risk tolerance is another crucial element, with conservative investors preferring low-risk assets and aggressive investors seeking higher returns through riskier ventures. Financial goals also play a pivotal role; whether it's saving for retirement, funding education, or accumulating wealth, these goals guide the selection of investment vehicles. The time horizon of investments influences asset allocation, with longer-term investments favouring stocks and short-term investments favouring bonds. Diversification reduces risk by classifying investments across various asset classes, while liquidity needs dictate the preference for assets that can be quickly converted to cash. Economic policies, strategies, and outcomes. However, some argue that personal risk tolerance and market conditions should take precedence over these traditional guidelines, as individual circumstances can lead to vastly different financial paths., including tax regulations and government measures, significantly impacting investment returns and risk assessments. Additionally, technological advancements such as fintech and automated trading shape investment strategies. Lastly, behavioural factors like psychological biases and investor sentiment can affect decision-making processes. Understanding these factors is essential for making informed investment decisions that balance risks and rewards to meet financial objectives. Investment decisions are influenced by a myriad of factors that collectively determine the success of financial growth and stability. One primary factor is market conditions, encompassing interest rates, inflation, and overall economic health, which can sway investor confidence. Risk tolerance is another crucial element, with conservative investors preferring low-risk assets and aggressive investors seeking higher returns through riskier ventures.
Financial goals also play a pivotal role; whether it's saving for retirement, funding education, or accumulating wealth, these goals guide the selection of investment vehicles. The time horizon of investments influences asset allocation, with longer-term investments favouring stocks and short-term investments favouring bonds. Diversification reduces risk by classifying investments across various asset classes, while liquidity needs dictate the preference for assets that can be quickly converted to cash . Economic policies, including tax regulations and government measures, significantly impact investment returns and risk assessments. Additionally, technological advancements such as fintech and automated trading shape investment strategies. Lastly, behavioural factors like psychological biases and investor sentiment can affect decision-making processes. Understanding these factors is essential for making informed investment decisions that balance risks and rewards to meet financial objectives.},
        keywords = {Investment decisions, market conditions, risk tolerance, financial goals,},
        month = {March},
        }