Women's Day 2022: Should Women Start Investing For Their Secured Financial Future?

07 Mar 2022|

2 min read |

by ICICI Securities Team

Introduction

Women wear multiple hats, from daughters and mothers to colleagues and professional workers. While some of their duties are unpaid, even paid work is not at par with men who work in similar roles. Research suggests that women make about 77 cents per dollar of what men earn worldwide. That is across industries and employment levels.

Moreover, women have longer lifespans compared to men. They also tend to work fewer years because of career breaks they may take for childcare and eldercare.

These reasons add up to the conclusion that women need to pay close attention to their savings and investments to ensure their financial security.

How Women Can Invest

While many women are adept at saving, squirrelling away money for emergencies, but investments often stump women. There are many reasons why investing eludes many women – a lack of information and investment knowledge, poor financial access and the historical stereotype of men handling money puts women at a disadvantage.

However, if women want to attain financial security and independence, they need to start making their money work. That means investing in suitable financial instruments. There is a range of financial instruments that women can invest in to grow their funds.

Additional read: 7 Steps to Wealth Creation

1. Fixed Deposits

For women who want to invest in financial instruments that are relatively secure, fixed deposits may be an excellent place to park money. They are liquid, provide stable returns and are better than keeping money at home or in a savings account.

2. Public Provident Fund

For working women, PPF investments can help build a corpus for retirement. As mentioned before, women tend to live longer than men. That means that they need a financial plan for their later years. PPFs provide guaranteed returns and are considered promising investment avenues for the long term.

3. Mutual Funds

Women who want to build a large corpus and multiply their wealth should consider investing in equity mutual funds. They provide inflation-beating returns and help with long-term wealth creation. For lower risk, debt mutual funds are a good option.

Additional read: Investing in mutual funds? Here's all you need to know

4. Stocks

Another financial instrument worth investing in is Stocks. In the long term, they provide returns that can help create wealth. Women investing in the right stocks can secure their financial future.

Also Read: Chapter 5: Different Investments Avenues – Real Estate and Gold

5. Other Investments

Apart from these financial instruments, women should also consider investing in other avenues such as bonds, Exchange Traded Funds (ETF), National Savings Certificates (NSC), etc., to multiply their wealth.

When Should Women Start Investing?

The sooner, the better. Women should start investing towards their financial future as soon as possible. This means investing with the first salary or the first income that they get. This will give them more time to build their investments and create a corpus that will see them through various stages in life.

Conclusion

There is no question that women should start investing for their financial security and future. The process should start as soon as possible. Even if it involves saving and investing small sums of money, they can go a long way in helping build a big corpus for emergencies and future requirements.

Sources

77 cents per dollar (Source – UN Women).

Disclaimer

ICICI Securities Limited has its registered office at ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025, India, Tel No:- 022 - 2288 2460, 022 - 2288 2470. The non-broking products / services like iLearn and Financial Learning are not exchange traded products / services and ICICI Securities Ltd. is just acting as a distributor/ referral Agent of such products / services and all disputes with respect to the distribution activity would not have access to Exchange investor redressal or Arbitration mechanism. iLearn is not an exchange traded product/service of ICICI Securities Ltd. All disputes with respect to the activity on the platform would not have access to Exchange investor redressal or Arbitration mechanism.

ICICI Securities Ltd. is a Member of National Stock Exchange of India Ltd (Member Code :07730), BSE Ltd (Member Code :103) and Member of Multi Commodity Exchange of India Ltd. (Member Code: 56250) and having SEBI registration no. INZ000183631. ICICI Securities Ltd. is a SEBI registered with SEBI as a Research Analyst vide registration no. INH000000990. Name of the Compliance officer (broking): Mr. Atul Agrawal, Contact number: 022-69997051, E-mail address: complianceofficer@icicisecurities.com Investments in securities markets are subject to market risks, read all the related documents carefully before investing. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. ICICI Securities Ltd. and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Such representations are not indicative of future results. The securities quoted are exemplary and are not recommendatory. AMFI Regn. No.: ARN-0845. PFRDA registration numbers: POP no -05092018. ICICI Securities Ltd. acts as a Composite Corporate agent having registration number -CA0113. Mutual Fund Investments are subject to market risks, read all scheme related documents carefully. Please note, Mutual Fund, Corporate Fixed Deposits, Bonds, Alternate investment funds, Tax planning, Succession planning, NPS, IPO, Investment Advisory and Loans related services are not Exchange traded products and ICICI Securities Ltd. is acting as a distributor to solicit these products. Please note, Insurance related services are not Exchange traded products and ICICI Securities Ltd. is acting as a corporate agent to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The non-broking products / services like Research, etc. are not exchange traded products / services and all disputes with respect to such activities would not have access to Exchange investor redressal or Arbitration mechanism. The contents herein above are solely for informational purpose and may not be used or considered as an offer document or solicitation of offer to buy or sell or subscribe for securities or other financial instruments or any other product. Investors should consult their financial advisers whether the product is suitable for them before taking any decision. The contents herein mentioned are solely for informational and educational purpose.

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