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EVALUATING THE POTENTIAL OF FRACTIONAL OWNERSHIP IN DIVERSIFYING INVESTMENT PORTFOLIOS
Authors
DR. ARUN KUMAR JAIN
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Keywords
Fractional Investing, Portfolio Diversification, Risk-Adjusted Returns, Modern Portfolio Theory (MPT), Behavioural Biases, Currency Hedging, Retail Investors, Financial Inclusion, Liberalized Remittance Scheme (LRS), Global Equity Markets, FinTech Platforms, Micro-Investing, Investor Protection, Regulatory Frameworks, Cross-Border Investing, Digital Payments, High-Growth Sectors, Artificial Intelligence (AI), Biotechnology Investments, Exchange-Traded Funds (ETFs), Taxation Compliance, Empirical
Abstract
Fractional ownership is redefining investment access in India by enabling retail investors to participate in global equity markets that were previously accessible only to high-net-worth individuals. This study, structured across eight comprehensive sections starting with an introduction that highlights how high capital thresholds once restricted Indian participation in global markets, while fractional investing now democratizes access, allowing for diversification, currency hedging, and exposure to cutting-edge sectors such as AI, biotechnology, and semiconductors. The theoretical framework is grounded in Modern Portfolio Theory (MPT), which supports the inclusion of fractional assets for optimal risk-adjusted returns, while also addressing behavioural finance concepts such as herd mentality and loss aversion, along with the challenges of currency risk. A review of traditional Indian investment habits reveals a reliance on fixed deposits, gold, and domestic equities, assets that offer safety but lack international diversification, further limited by resistance to change and gaps in financial literacy. In the context of global macro-financial trends, fractional investing aligns with a broader movement toward inclusive and tech-enabled access to high-growth global industries. The significance of this study lies in its multifaceted impact: it provides empirical guidance for investors, usability insights for fintech platforms, policy inputs for regulators, and theoretical contributions to academia. Empirical findings demonstrate that fractional global equities reduce portfolio volatility by 16.9%, enhance risk-adjusted returns, and improve sectoral diversification. The discussion reveals that young, digitally savvy professionals are early adopters, while middle-class investors remain cautious, requiring clearer regulatory frameworks and educational support. The concluding section recommends policy reforms including transparent taxation, refined LRS limits, and investor education initiatives, while suggesting future research into long-term performance metrics, behavioural patterns, and international regulatory comparisons. Overall, this study offers a timely and evidence-based exploration of fractional ownership's growing role in reshaping India's investment landscape.
IJCRT's Publication Details
Unique Identification Number - IJCRT1136039
Paper ID - 288476
Author type - Indian Author
Page Number(s) - 254-265
Pubished in - Volume 6 | Issue 3 | September 2018
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No Of Downloads - 48
Author Country - India, -, -, -, -, Science and Technology
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DR. ARUN KUMAR JAIN, "EVALUATING THE POTENTIAL OF FRACTIONAL OWNERSHIP IN DIVERSIFYING INVESTMENT PORTFOLIOS", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.6, Issue 3, pp.254-265, September 2018, Available at :http://www.ijcrt.org/papers/IJCRT1136039.pdf
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