Introduction
Women have made great strides in the finance world. An empowered woman is resourceful and always making inspiring developments. My journey to financial independence started with the Millennium Mams organisation that bought about significant awareness to manage my investments. I aspire to find creative ways to educate my generation and the ones to come about how to manage wealth and investments.
Being a central nervous system in every household, a woman’s perspective, opinions and ideas bloom into beautiful outcomes.
An embodiment of nurturing, prosperity and creation, tiny footsteps forward into the realm of finance will create a domino effect for futures to come. Given the ever evolving financial climate and rapidly changing events the need for a well diversified portfolio is essential. Capital is shifting fast paced across sectors and profit undertaking is varying, one must prepare for a contingency fund in gold, fixed deposit, stock market and real estate.
Capital Markets
Keeping in mind the unpredictable geopolitical scenario, markets are going to be highly volatile. One must always root for systematic and disciplined investments. From index funds, mid-large cap allocation by firmly abiding by the fundamentals is the way to boost your portfolio earnings. When undertaking a stock you need to enter at the right price, research with the technicalities,data and sectoral growth in future.
Fixed deposit
A mere minimum investment of 5 lakhs rupees can guarantee your money safe. Banks cover upto 5 lacs rupees of your investment in their insurance scheme
Post Office Savings Schemes (POSS) offer guaranteed returns and deductions up to ₹1.5 lakh per year under Section 80C.
Here is a list of key Schemes & Interest Rates (Jan-Mar 2025)
Public Provident Fund – 7.1% interest
- Tenure: 15 years
- Tax Benefit: Fully tax-free
- Best For: Long-term wealth creation with tax savings
National Savings Certificate – 7.7% interest
- Tenure: 5 years
- Tax Benefit: Deduction under 80C; interest is taxable but can be reinvested
- Best For: Medium-term guaranteed returns
Sukanya Samriddhi Yojana – 8.2% interest
- Tenure: 21 years
- Tax Benefit: Fully tax-free
- Best For: Secure savings for a girl child’s future
Senior Citizens’ Savings Scheme – 8.2% interest
- Tenure: 5 years
- Tax Benefit: Deduction under 80C; interest is taxable
- Best For: Retirees looking for stable, high-return savings
Post Office Time Deposit – 5 Years – 7.5% interest
- Tenure: 5 years
- Tax Benefit: Deduction under 80C; interest is taxable
- Best For: Fixed income with tax savings
Pro Tip: Choose a scheme based on your financial goals and liquidity needs!
GOLD
A bankable asset class. A distant future prediction is this precious metal will rally.
Indian women love accumulating gold ornaments as it’s always a safe haven for investment. According to the income tax act, a (married) woman can hold upto 500gms of gold, (unmarried) woman upto 250gms and men have the threshold of upto 100gms. Physical Gold is the best buy and it’s better to buy the coins in different denomination as available.
REAL ESTATE
Investing in land is an excellent way to build long-term wealth, offering significant returns when approached strategically. In the rural regions of this country, it is strategic to buy agricultural land and grow organic produce, a coupled investment approach. Since work from home has been introduced, your spare time can make you money.
During the British era, an act was introduced to safeguard married women’s rights. The Married Women’s Property Act grants married women legal rights over their property, earnings, and inheritance, protecting them from husbands’ debts. This act ensures financial independence, enabling women to own, buy, and sell property. It marks a significant step in women’s economic and legal rights evolution.
Conclusion
A well diversified portfolio can help one navigate through uncertainties and geopolitical hindrances.
In my opinion, an assorted division of 40-50% in equity, a 30% in fixed deposit and post office schemes, a 10-15% allocation in gold and another 10-15% in real estate would be a multifarious outlay of investment
