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Investment Schemes For Women

3 min read

Women investing regularly can build up savings to meet their financial goals such as purchasing a house, saving for children’s education or funding other endeavors. Each investment instrument carries some level of risk.

Women investors have access to an array of risk-oriented and fixed return investment schemes tailored specifically for them, such as:

National Pension System

The National Pension System (NPS) can deliver higher returns than traditional tax-saving investments like PPF or FDs. Furthermore, its flexible design enables operation from any location within India, while giving you the power to change fund managers if their performance doesn’t suit you. Furthermore, part of your NPS contribution goes toward investments with lower risk-return ratios such as equities.

Working women should select investment options based on their financial goals, risk tolerance, available funds and expected returns. She may consider mutual funds, bank fixed deposits and NPS investments to meet her needs.

NPS (National Pension System) is a government-run retirement savings plan designed for employees. It encourages systematic savings during working years, building the habit of saving for the future from an early age. When matured, NPS accounts can provide regular pension payments; additionally they are tax-efficient as compared to PPF or FDs and allow partial withdrawals after three years under certain circumstances.

Fixed Deposits

As women advance in their careers and become an essential component of the workforce, they must also consider their financial security by making smart investments.

Women looking to expand their finances should consider investing in NPS, mutual funds or bank fixed deposits as potential money-growing options. When selecting her investment scheme she should take into consideration her goals, risk profile and expected returns before making her choice.

Fixed deposit schemes allow you to earn regular interest income on the money you deposit into them, using a calculator. Your returns may also be available earlier with penalties associated with early withdrawal; therefore it would be wise to speak to a financial expert about different investments before making a decision about how you’ll invest your funds. FDs also protect against any losses from investments exceeding losses.


Gold investment options provide excellent returns for your hard-earned dollars. Liquidating your gold quickly makes this asset ideal as it provides protection from risky equity markets; its returns, however, depend on market conditions – therefore selecting an investment scheme with solid returns backed by robust research is vital to making smart choices about this option.

Women traditionally preferred investing in physical gold as an asset class; however, with changing times more women are now investing via mutual funds and Demat accounts. According to Bankbazaar research conducted recently, more women hold Fixed Deposits and Systematic Investment Plans than men do; furthermore they also invest in ETFs and sovereign gold bonds which makes them ideal investors since women tend to be more patient investors than men – therefore making them better equipped for long-term schemes such as these.

Real Estate

Real estate is an excellent investment option for women, and many are turning to it to achieve financial independence and stability. Understanding all available investment strategies is essential, as is developing a savings plan tailored towards meeting your goals – be they purchasing an investment property or funding children’s education; building up an emergency savings fund should always be your goal.

Women have made great strides in real estate investing and are helping shape new trends and influencing property designs created by developers. Women tend to purchase larger homes with ready-to-move-in features; their preferences help shape the real estate market’s future. Women are also starting to invest through mortgage investment entities (MIEs). These firms purchase and manage properties to generate rental income while simultaneously offering capital growth; typically offering higher interest rates than stocks.

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