Article
Do Personality Traits and Emotional
Intelligence of Investors Determine
Their Risk Tolerance?
Babli Dhiman
1
Saloni Raheja
2
Abstract
In today’s scenario, investment is very important in everyone’s life. Investors always prefer the investment
avenues according to their suitability, risk and the return because there are different investment
avenues available in the market. There are various factors that influence the risk tolerance behaviour of
the investors, such as age, gender, marital status, experience, income, household expenditure, present
and future savings, future expectations of returns and future planning of the investor. But the risk
tolerance is also affected by the personality traits and emotional intelligence (EI) of the investors. Thus,
the present study focuses on the relation between the personality traits, EI and risk tolerance of the
investors. The data was collected from 500 investors who invest through LSC Securities Ltd (formerly
LSE Securities Ltd) in Punjab by using structured questionnaire. Multiple regression test was applied
through SPSS to test the significance of relationship among the variables. The study found the relation
of risk tolerance with personality traits and EI to be statistically significant.
Keywords
Emotional intelligence, investment decisions, personality traits, multiple regression, relationship
Introduction
Risk is an important element which is considered while making an investment decision. Risk arises when
the probability of actual return on investment is less than the expected return. Risk means the existence
of volatility in the occurrence of an expected incident. When the unpredictability is high, the risk will
also be high. Risk may or may not involve money. Lipe (1998) defined risk was a factor which influence
investment decision. The risk factor differs from the features of assets, mode of investment, investment
avenues and many more. Risk and return are two sides of investment coin, when the risk is high the
Management and Labour Studies
43(1&2) 88–99
© 2018 XLRI Jamshedpur, School of
Business Management
& Human Resources
SAGE Publications
sagepub.in/home.nav
DOI: 10.1177/0258042X17745184
http://journals.sagepub.com/home/mls
1
Associate Professor, Mittal School of Business, Lovely Professional University, Phagwara, Punjab, India.
2
Research Scholar, Mittal School of Business, Lovely Professional University, Phagwara, Punjab, India.
Corresponding author:
Saloni Raheja, Research Scholar, Mittal School of Business, Lovely Professional University, Phagwara, Punjab, India.
E-mail: saloni.rahejaa@gmail.com