Best Investment Options for Women

Women today are actively seeking opportunities to secure their financial futures and build wealth. With multiple investment options available, it's important for women to explore avenues that align with their financial goals and risk tolerance. Understanding the best investment options customised to their needs empowers women to make informed decisions for long-term financial stability and growth.

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Best Investment Options for Ladies

The best investment options for women depend on your individual goals and risk tolerance. When choosing, consider factors like investment horizon, risk tolerance, and financial goals. Below are some of the ideal investment options for the ladies:

  1. Unit Linked Insurance Plans (ULIPs):

    • ULIPs offer a unique combination of life insurance protection and market-linked investment potential, which makes it one of the best investment options for women.

    • ULIPs come with a variety of fund options to suit your risk appetite. You can choose from equity-focused funds for potentially higher returns or debt-based options for stability.

    • ULIPs allow you to switch between funds as per your investment goals or market conditions.

  2. Capital Guarantee Plans:

    • Capital guarantee plans are investment products that ensure the return of the initial investment amount to investors, at maturity, regardless of market fluctuations or performance. This offers peace of mind, especially for those saving for near-term goals.

    • Capital guarantee plans often provide a fixed rate of return on your investment, giving you predictable growth and a clear idea of your future payouts.

    • These plans are ideal for those with a low-risk tolerance who prioritize capital preservation. This is why it is considered one of the best investment savings schemes for women. 

  3. Pension Plans:

    • Investing in a pension plan helps you save up a large sum of money for a comfortable retirement. You can enjoy regular income post-retirement, ensuring financial security later.

    • Starting a pension plan early allows you to benefit from the power of compounding, where your returns grow on your returns over time.

    • It is an investment savings scheme for women that offers tax deductions on your contributions, helping you save more while lowering your tax burden.

  4. National Pension Scheme (NPS):

    • NPS is a government-backed scheme. It offers a secure and long-term investment option for retirement planning.

    • Choose from various asset allocation options to match your risk appetite and investment goals.

    • Avail tax benefits on contributions made under Section 80CCD (up to 1.5 lakhs). This can reduce your tax liability and help you accumulate a larger retirement corpus.

    • NPS offers two types of accounts: Tier I, a mandatory retirement savings account with a lock-in period until retirement, and Tier II, a voluntary savings account with greater withdrawal flexibility. 

    • The NPS interest rate ranges between 9%-12%

    Below are the features of both:

    Criteria Tier I Tier II
    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 contribution Rs. 500 Rs. 250
    Tax benefits Section 80CCD (1) tax exemption of Rs. 1.5 lakhs
    Up to Rs.50,000 as deductions are allowed under Section 80CCD 1(B)
    No tax benefit
  5. Public Provident Fund (PPF):

    • PPF is a government-backed savings scheme known for its safety and attractive interest rates. Your investment is guaranteed, which helps you meet your long-term goals, this is one of the reasons why it is the best savings scheme for ladies.

    • Enjoy tax benefits under Section 80C of the Income Tax on your contributions, interest earned, and maturity amount, making it a great option for tax-efficient wealth creation.

    • The 15-year lock-in period in PPF encourages long-term saving habits and helps you accumulate a substantial corpus.

    • The current interest rate: 7.10% p.a. compounded annually.

  6. Bank Fixed Deposits (FDs):

    • FDs are safe and reliable investment schemes for ladies as they offer guaranteed returns. Your principal amount is insured, making it suitable for those seeking capital protection.

    • FDs provide a fixed interest rate on your deposit, offering a predictable income stream over the chosen tenure.

    • FDs are readily available across most banks and offer the flexibility to choose a tenure that aligns with your financial goals.

  7. Mutual Funds:

    • Mutual funds pool your money with other investors and invest in assets like stocks, bonds, and commodities. This diversification helps spread risk and potentially boost returns.

    • Experienced fund managers handle your investment.

    • Mutual funds offer various options to suit your risk tolerance and financial goals, allowing you to invest in specific sectors or asset classes.

  8. Gold:

    • Gold has a long history of holding its value and acting as a hedge against inflation. It can add stability to your portfolio during economic uncertainties.

    • Invest in physical gold, gold ETFs (Exchange Traded Funds) that trade like stocks, or digital gold for convenient and secure ownership.

    • Gold is a highly liquid asset, meaning you can easily sell it when needed, providing access to your funds when required. 

Indian Government Investment Schemes for Women

The Indian Government offers a variety of investment schemes specifically designed to empower women financially. Below are the best saving scheme for ladies:

  1. Sukanya Samriddhi Yojana (SSY):

    • A government-backed scheme specifically designed to promote girl child education and financial security. It allows parents or guardians to open an account for a girl child below 10 years old.

    Benefits:

    • Offers high-interest rates compared to regular savings accounts. The interest rate currently is 8.2% per annum, which is better than most fixed deposits. 

    • Additionally, deposits made towards SSY qualify for tax deductions under Section 80C of the Income Tax Act This makes it a perfect long-term investment for a girl child's education or wedding expenses.

  2. Post Office Mahila Samman Savings Scheme :

    • A short-term deposit scheme exclusively for women. It was launched in 2023. It allows deposits for a fixed tenure of 2 years.

    Benefits:

    • Provides a competitive interest rate that is higher than regular savings accounts.

    • This is a good option for women looking to save for a short-term goal like a down payment or a vacation.

  3. Mukhyamantri Mahila Samman Yojana:

    Introduced during the 2024 budget speech by the Delhi government, the Mukhyamantri Mahila Samman Yojana is a women's welfare initiative. It provides a monthly monetary assistance of Rs. 1,000 to women aged 18 and above. Residents of Delhi holding a voter ID card from the National Capital are eligible to benefit from this scheme.

  4. Lakhpati Didi:

    The Lakhpati Didi Yojana is an initiative introduced by the Indian Government aimed at enhancing the economic empowerment of women, particularly in rural regions. This program offers skill development training to women in various technical areas such as LED bulb assembly, plumbing, drone repair, and more. Women with a minimum annual family income of Rs. 1 lakh are eligible to participate in this scheme tailored to their needs.

  5. Kisan Vikas Patra (KVP):

    • A certificate investment scheme for women offered by the government of India. It allows for a one-time investment and guarantees returns after maturity. You can choose maturity periods ranging from 2.5 years to 12 years.

    Benefits:

    • Provides a simple and secure way to save with attractive interest rates that are comparable to fixed deposits. 

    • The guaranteed returns offer peace of mind, making it suitable for risk-averse investors.

  6. National Savings Certificate (NSC):

    • A fixed-term deposit investment scheme for women offered by the government with guaranteed returns. You can choose from various maturity periods ranging from 5 to 10 years.

    Benefits:

    • NSC offers good interest rates and stability and predictability for your savings. Additionally, these deposits qualify for tax deductions under Section 80C of the Income Tax Act. 

    • This makes it a good option for women looking for a safe, long-term investment with some tax benefits.

  7. Post Office Time Deposit Scheme:

    • A deposit scheme offered by the post office for a fixed term with interest payouts. You can choose from various deposit tenures ranging from 1 year to 5 years. 

    Benefits:

    • Offers flexibility in choosing deposit tenures to suit your needs. 

    • Additionally, the interest rates are competitive with those offered by banks. 

    • This makes it a good option for women looking for a safe and reliable way to grow their money for short to medium-term goals.

    Interest Rates from 01.01.2024 to 31.03.2024

    ​Period Rate
    1yr.A/c 6.9%
    2yr.A/c 7.0%
    3yr.A/c 7.1%
    5yr.A/c 7.5 %

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 schemes 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.

FAQ's

  • What is the Post Office Girl Scheme?

    The Post Office Girl Scheme is a government initiative aimed at providing savings opportunities for girls aged between 0 to 10 years. Parents can invest up to Rs 1.5 lakhs per year until their child reaches 15 years of age. The funds can be withdrawn when the girl turns 21, and can be used for either marriage expenses or further education. The scheme offers a fixed interest rate of 8% per annum.
  • Why is investing important for women?

    Investing can help women build wealth, achieve financial independence, and secure their future financial goals, including retirement and education expenses.
  • Can women start investing with a small amount of money?

    Yes, women can start investing with small amounts through investment platforms that offer low minimum investment requirements.

Past 5 Year annualised returns as on 01-06-2024

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in 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
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^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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