• Shivaraja M
• Dr. K. C. Prashanth

Individual and institutional investors' decisions are significantly influenced by their investment inclinations. Market players, financial specialists, and policymakers who want to refine investment strategies and improve market efficiency must understand these inclinations. Investment inclinations of investors are not static; they keep changing based on so many factors, such as demographic factors, risk tolerance, type of investor, financial literacy level, peer influence, return expectations, time horizon, asset class allocation, etc. Hence, it is very crucial to know the investment inclinations of investors. Investment inclinations prioritize capital appreciation, income generation, preservation of capital, or a combination of these factors based on the investment's safety, liquidity, and profitability. The main purpose of this study is to determine the investment inclinations towards variable income investments and fixed income investments of UGC-scale teachers and to know the differences between investments and demographic variables such as gender, age, annual family income, designation, etc. The study is conducted using primary information gathered from UGC-scale teachers in the state of Karnataka. 80 respondents are given the structured questionnaire, which is then gathered using both Google Forms and hardcopy handouts. The data is analyzed using descriptive statistics, such as tables, percentages, and Garret ranking, and inferential statistics such as the chi-square test. The research results found that overall investment inclinations were towards the top three fixed-return products, such as post office savings, KGID/insurance, and bank deposits, by the UGC college teachers. In the case of variable-income securities, the top three products were mutual funds, equity shares, and real estate. Male UGC college teachers prefer the top three fixed-income products, viz., KGID/insurance, POS, and SSY, and the top three variable-income products, viz., real estate, mutual funds, and equity shares, respectively.

Inclinations, Preferences, fixed, variable, teachers.

"A Study on the Investment Inclinations of UGC College Teachers Towards Various Investment Alternatives: A Special Reference to Karnataka State", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 1, page no.88-97, January-2024, Available :http://www.jetir.org/papers/JETIRGB06013.pdf

"A Study on the Investment Inclinations of UGC College Teachers Towards Various Investment Alternatives: A Special Reference to Karnataka State", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 1, page no. pp88-97, January-2024, Available at : http://www.jetir.org/papers/JETIRGB06013.pdf