Özet:

Investors are investing their earnings with different aims and goals such as returns, security, appreciation, Income stability. Investments are made from investor’s savings. While investing money in different sectors of investment what type of perception investors followed towards risk & portfolio management. This research is based on literature review of investors' perception towards risk & portfolio management, how to take the decisions while creating an individual portfolio, how to manage it in different risky situations and how to diversify that risk, now a days, every category of people investing their money in different investment sectors and all sorts of fields. With the fast development in the Security market and investment sector in the recent past, presently, every individual aim is to be financially independent, strong & secure their future with sufficient funds. This study considered only employees of government and private sector organizations and their payment scale category. To achieve an important objective of every retail investor is to select the suitable investment options out of various financial products available in the market with risk factors associated with the better returns respective to liquidity and safety of principal. With this all criteria and principles, how investors are able to create their portfolio objectives with guaranteed returns and how to bear risk & increase their risk appetite capacity according to their priority in needs and also manage it with respect to the market economic conditions and the risk securities that exist in the market.

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