Best Investment Options for Women

A woman is a full circle. Within her is the power to nurture, create, transform, and build. She is a complete world in herself and with time, women have proved their mettle in every field, be it running the household successfully, or running an organization in full power. As women are growing at par with men these days and trying to maintain an equal stature financially, so are the investment options for women.

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With the changing times, as women are blooming and trying to create a significant mark on society, multiple investment options are coming up for them so that they also gain high returns on their income just like men.

Here are some best investment options for women in India that provide long-term capital gains and lead them to the road of wealth creation.

Best Investment Options for Ladies

These are some of the ideal investment options for the ladies:

  1. Mutual Funds Through Systematic Investment Plans

    Investments in mutual funds can be made either in the lump sum method or through the Systematic Investment Plan method. Most of the time, women investors opt for the SIP (Systematic Investment Plan) method of investment in mutual funds because of the following reasons:

    • Monthly investments, sometimes as low as Rs. 500 can be deposited in their desired mutual fund

    • Unlike the one time lump sum investment option, an investor can go for regular monthly or quarterly deposits for a defined tenure for great returns in the future.

    • The SIP method helps in diversifying the portfolio of the investor as one can opt for more SIPs in numbers as compared to the lump sum method.

    • From low to medium risk-taking appetite, investment in mutual funds is for every type of women investor.

  2. Public Provident Fund

    One of the safest and most reliable Government backed savings plus investment schemes, the Public Provident Fund can be considered as an ideal investment option for women who do not want to risk their hard-earned money and want decent returns on their investments after a considerate tenure. Some of the top features that will lure a women investor to invest in PPF (Public Provident Fund) are:

    • Mostly all the banks and financial institutions offer a PPF account to all

    • Public Provident Fund is an investment as well as a savings plan completely backed by the Government

    • PPF is a risk-free investment type that offers decent fixed returns to all the classes

    • Currently, as of the financial year 2022-2023, the rate of interest offered under a PPF investment is 7.1% annually

    • PPF comes with a 15-year lock-in period that can be further extended to 5 years at the end of the tenure

    • The annual minimum deposits to be made in a PPF account is Rs. 500

    • The annual maximum deposits to be made in a PPF account is Rs. 1,50,000

    • PPF offers tax benefits under Section 80C of the Income Tax Act, 1961

    • PPF is considered one of the safest investment options for women that offer decent returns

    People Also Read: SIP Calculator

  3. Fixed Deposits

    Another safe investment option for women, Fixed Deposits are also available in mostly all the banks and financial institutions like PPFs (Public Provident Funds). With high interest rates varying from one bank to another to minimal risk involved, Fixed Deposits can be considered as your next investment option for decent guaranteed returns in the future. Some of the basic details related to Fixed Deposits are as follows:

    Features Details
    Rate of Interest 1.85% to 6.95% per annum (varies from bank to bank)
    Deposit Amount (Minimum) Rs.1,000 (varies from bank to bank completely)
    Investment Tenure 7 days to 10 years
    Interest Compound Frequency Annually, Quarterly, or Monthly (varies from one bank to another)
    Partial Withdrawals Available with a penalty (depending on banks)
    Premature Closure Available with a penalty (depending on banks)
  4. Gold

    One of the oldest and guaranteed return options famous amongst the women of India is the investment in gold. Looking at the history and growth of gold in the past 50 years or so, no one can deny that buying gold in any form has not been a beneficial type of investment for them. Even at the time of inflation when the market falls and prices of the commodities go down, gold has always seen a remarkable spike making it the investment of the century every time.

  5. National Pension Scheme

    Launched by the Government of India and administered by the Pension Fund Regulatory and Development Authority (PFRDA), National Pension Scheme can be considered as one of the best government-backed savings schemes for ladies. All the women investors willing to have a decent financial corpus after their retirement and who do not will to take major financial risks in life should blindly opt for the National Pension Scheme option.

    With 2 types of NPS accounts to choose from, that is, Tier-I and Tier-II, NPS is considered a viable savings scheme for the ladies. Here are the features and other related details of both the types of NPS accounts:

    National Pension Scheme
      Tier I Account Type Tier II Account Type
    Eligibility Any Indian citizen
    Minimum- 18 years
    Maximum - 65 years of age
    Existing members of Tier-I account only
    Lock-in Period Till 60 years of age NIL
    Number of yearly deposits 1 is the minimum Yearly deposits are not mandatory
    Minimum balance to open account Rs 500 Rs 1,000
    Minimum contribution Rs 500 Rs 250
    Minimum yearly deposit (amount) Rs. 6000 NIL
    Fund management charges Same as Tier-II Same as Tier-I
    Tax benefits Section 80CCD (1) tax exemption of Rs. 1.5 lakhs No tax benefit
    Up to Rs.50,000 as deductions are allowed under Section 80CCD 1(B)

In The End!

Before making any kind of investment and putting your hard-earned money at risk, it is highly advisable to have thorough market research and go for the option of investment that best suits your own appetite.

There are many other suitable investment options for women in India available as well that involve low to high risk and each woman should be their own leader and make decisions that they think will help them grow in the future, both financially and mentally.

Past 10 Year annualised returns as on 01-02-2024

^Tax benefit are for Investments made up to Rs.2.5 L/ yr and are subject to change as per tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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