IBMRD's Journal of Management & Research

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The research study was based on the micro economic approach of estimating the responses of the respondents i.e. school teachers towards the savings and investment pattern in the Ahmednagar city. The aim of the study was to determine the relationship between the savings and investments literacy among the school teachers. The study was done on the different government and private school teachers. The data were collected by distributing a structured questionnaire to 100 school teachers in different schools of Ahmednagar city. In spite of low income the teachers have been saving for future needs. The major impact on savings is due to the level of income of the school teachers. The research shows that the majority of the respondents is saving money as Bank deposits for the safety of an unpredictable future. The main avenues of investment are Bank deposits and the main purpose of investment is for children's education, marriage, and security after retirement.

Keywords

Annual Income, Annual Savings, Investment, School Teachers, Rate of Return.
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