Savings and Investment Patterns of Salaried Individuals in Relation to Socio-Economic Factors

Savings and investment behaviour are crucial for the financial stability of salaried individuals. This study aims to analyse the income, expenditure, savings, and investment patterns of salaried employees and to examine the impact of socio-economic variables on their financial behaviour. Primary data were collected from 85 salaried individuals using a structured questionnaire covering demographic details, income, expenditure, savings, investment patterns, and work-related factors. Secondary data were obtained from journals, books, reports, and online sources. Simple percentage analysis was used to study socio-economic profiles, descriptive statistics to assess income, expenditure, savings, and investment, and multiple regression analysis to evaluate the influence of socio-economic variables. The findings reveal that salaried individuals maintain moderate income and savings levels, with a conservative investment approach. Regression results indicate that age, education, income, occupation, family type, and work experience significantly influence savings and investment behaviour. The study highlights the importance of financial planning and awareness among salaried individuals