Index IntroductionProblem StatementResearch MethodologyHypothesis FormulationData AnalysisSuggestionsConclusionThe objective of this study is to examine the relationship between personality traits and investment intentions among people in the working class belonging to generation Y. Quantitative method is used to measure the personality traits and investment intentions of the respondents. Statistical tools such as descriptive statistics and chi-square test were used to analyze the data. The findings found that personality traits have some effect on a person's conduct in terms of risk resilience, which then affects their long- or short-term investment prospects. The effects of this investigation imply that investment advisors should consider individual qualities and individual resilience to risk, among several factors, when advising individual investors on investments. Research is important from both an academic and professional point of view. Regarding the academic point of view, the research adds to the current body of information, especially from the Indian point of view where, according to the researcher's knowledge and data, such a broad investigation with respect to the effects of psychographic factors on intentions investment has ever been directed.Keywords: personality traits, investment intentions.Say no to plagiarism. Get a tailor-made essay on "Why Violent Video Games Shouldn't Be Banned"? Get an Original Essay Introduction It is largely said that keeping in mind the real goal of being convincing in the stock market, one should possess know how of the market, well informed about how a market evolves and knowledge of the type of established company to park the assets. People trust that specialists can accurately time the market and make precise buying and supply predictions, which ultimately results in immense benefits. However in the meantime there are distinctive decision factors that influence the speculation decisions of "individuals" and the market is similarly formed. A person's investment choice process depends on a bewildering mix of demographics, individual qualities, markets (e.g. expected risk, rate of return, transaction costs, market context, etc.). Some findings question the objectivity of the practices of financial specialists and show that choices can be motivated by mental and behavioral factors. Impact of Personality on Risk Tolerance and Investment Decisions, International Journal of Commerce and Management, disagrees that decision makers favor making plans as opposed to ideal plans due to limited understanding and The absence of authentic procedures and choices can be acute compared to insightful or legitimate ones. Despite the fact that leaders try to decide choices on objective premises, their basic leadership process is limited by their intellectual capabilities, e.g., inclinations, values, reflexes, information, etc., and also by external ecological components. The effect of these variables makes the basic leadership process more convoluted, instead of making it a normal, limited and straightforward process. Mental and ecological variables are involved in impacting circumstances and resources accessible to decision makers, and sound financial conduct generally does not occur at this time. Previous research has also shown that financial specialists tend to have conduct inclinations identified withindividual attributes, generalizations, past trading experiences, etc. Investment management and personality type. The fundamental motivation behind financial investors engaging in investments is to both increase their compensation and limit their costs. In this state, people save part of their salary for use and part for saving. Within this system, people invest their investment funds. The probability of profit and bad luck in the investment procedure makes decision making difficult for people. The choices of individual investors are not always rational as expected from conventional finance. There are numerous mental, social and natural components that influence investment behavior. Within this extension, it is stated that speculators cannot be objective, they can only have limited rationality. “Personality traits and household financial decisions”, working paper from Goethe University Frankfurt am Main focusing on how personality traits and demographics play a significant role in the financial planning of Generation Y. Personality traits influence planning financial planning more than demographic data such as course specializations and gender and clearly shows that specific personality aspects control individual choices in financial planning. This implies that several aspects of financial decision making, such as reluctance to take risks, illogical interpretation, and socially responsible investing, are influenced by conscientiousness, openness, and agreeableness. Cliff Mayfield, Grady Perdue, and Kevin Wooten examined the influence of personality traits on investor behavior. The study analyzes the impact of personality traits on an investor's understanding of risk and their willingness to accept it. Extroverted individuals tend to engage in short-term investments, while people with a higher level of neuroticism do not indulge in short-term and long-term investments. According to Jack Noone, Kate O' Loughlin and Hal Kendig, the impact of socioeconomic status on financial decision making can be interpreted by non-economic factors (personal circumstances), psychology and financial understanding. According to Krutika Mistry, market conditions and investor decision making have a positive relationship as far as the Indian stock market is concerned. Many investors do not take the different financial components into consideration before investing in the stock market, some investors have herd behavior, that is, they make investment decisions based on the masses. The influence of personality traits and demographics on financial decision making among . Socioeconomic, psychological and demographic determinants of financial planning for retirement among Australian baby boomers, Australasian Journal on Aging, International Journal of Management and Commerce Innovations. This study represents a noteworthy development for academics considering and examining investment behavior in light of the fact that research of this kind has never been conducted in India to the best of analysts' knowledge. This research is one of the first of its kind in the Indian context, however comparable investigations have been conducted in Western countries. The significance of this research for the Indian investment market is that, given the abundance of accessible investment instruments and furthermore the immense social, cultural, linguistic, statistical, geographic and psychographic variety in a nation like India. Problem Statement As a result of the literature review, theThis study undertakes the examination of behavioral intentions in relation to personal investing and portfolio management. This study emphasizes the investigation of factors that influence the behavior of individual investors and how an individual's personality traits play a role in determining their investment decisions specifically with respect to Generation Y. The purpose of this research is based basically about how investors are not always rational while making important financial decisions and personality traits play an important role in this. The primary objectives are: Identify and study the different personality traits that influence an investor's intention towards investing. Collect data from working-class people belonging to Generation Y. Analyze and establish the relationship between an individual's personality traits and their investment intentions. To give suggestions, recommendations and moreresearch field in this field. Research Methodology This study consists of both primary data and secondary data. Secondary data is collected from available case studies and recognized journals. Since the research involves studying the investment decision making process, the data collection was limited to employed people belonging to Generation Y and the sample was collected from salaried people working in Bangalore. A pilot study was initially undertaken with a sample size of 30 respondents, after which the questionnaire was finalized and its validity and reliability tested. The final questionnaire contained two sections for psychographic and investment intentions. Data were collected from a final sample of 200 individuals and then subjected to analysis in SPSS using descriptive and inferential methods of statistical analysis. The collected data were analyzed using the following tools: reliability test, descriptive statistics and chi-square test. Formulation of the hypothesis Individuals with higher conscientiousness are more likely to engage in short- or long-term investmentsH0: Individuals with greater conscientiousness are less likely to engage in short- or long-term investments. engage in short- or long-term investments Individuals who are open to experience are more likely to engage in short- or long-term investmentsH0: Individuals who are open to experience are less likely to engage in short- or long-term investments Extraverted individuals are more likely to engage in short- or long-term investmentsH0: Extroverted individuals are less likely to engage in short- or long-term investments Agreeable individuals are more likely to start investing in the futureH0: Agreeable individuals are less likely to start investing in the future. The independent variables considered in the study are the four personality traits, namely conscientiousness, extraversion, openness to experience and agreeableness. Table 1 shows the descriptions of the four traits. The dependent variables for the study are short-term and long-term investment intentions and future time perspective. Respondents Respondents were generally aged between 24 and 33 years and worked in Bangalore. The study has no gender bias and different classes of people were interviewed regardless of their income level, job and marital status. Personality Trait Descriptions[image:]Source: Adapted from Professional Handbook: NEO Personality Inventory-Revised (NEO-PI-R) Reliability is determined using Cronbach's alpha, data is simplified through descriptive statistics and relationship he comes.