Investment is a value of fixed capital assets that are produced in an economy over a certain period of time. Investment is a creation of capital goods. Investment spending is input for the circular flow of income. Generally, any action that is taken in the hopes of generating income in the future can also be considered an investment.
Investment is mainly categorized into National Pension System (NPS), fixed deposit, stocks, Public Provident Fund (PPF), senior citizen’s savings schemes, bonds, Certificate of Deposit (CD), mutual funds, Unit Linked Insurance Plan (ULIP) and real estate. ULIP is the combination of investment and insurance that provides both coverage and investment option. The major factor that has positively affected the investment areas is the growth in development of online services because it is more reliable, convenient, instant and more secure.
All types of investments are characterized by certain features including liquidity, risk, tax shelter, returns, safety and others. Liquidity is a special type of investment that can be easily sold or marketable without wasting time and money. Risks can include non-payment of interest, loss of principal, variable yield and delay in repayment. The returns depend on the maturity period & nature of the investment. Additionally, safety feature means the certainty of payback without wasting money and time.
Some of the key benefits of investments include death risk coverage, wealth creation, flexibility, financial protection, retirement savings, loan facilitator and save taxes. Increase in use of advanced techniques such as big data analytics capabilities for generating the insights to enhance & refine service offerings is a leading opportunity for market.
As per analysis, “Investments Global Market Report 2020-30: Covid 19 Impact and Recovery” some of the renowned companies operating in the global investment market are Agricultural Bank of China; Northwestern Mutual; Barclays; JP Morgan; Bank of America. These leading players have pursued various strategies to boost their market penetration as well as strengthen their position in the industry.
By type, investment market can be divided as security brokerage & stock exchange services, wealth management and investment banking. By end-user, market can be divided as B2C (Business-to-Customer) and B2B (Business-to-Business). In addition, by mode, market can be divided as offline mode and online mode. Additionally, some other sub-segment include portfolio management & investment advice, stock exchanges, asset management, bonds brokerage, merger & acquisition advisory, equity capital markets underwriting, equities brokerage, financial sponsors/syndicated loans, stock exchange, dept capital markets underwriting and others.
Based on geography, the North-America is a leading region in global investment market owing to rise in technology & business development interest with every organization across the region. Both Asia-Pacific and Europe regions are likely to witness higher growth rate due to increase in requirement for capital requirements & business expansion among firms over the forecast period. It is projected that future of the global investment market will be bright as a result of rise in demand for fundamental advisory from corporate companies during the forecast period.
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Ankur Gupta, Head Marketing & Communications