Accelerated Trends of Women Investing in India

Women & Investing

It is truly inspiring to see a significant increase in women's participation in the wealth creation process. As India transforms as a nation with more equitable opportunities for everyone, women are taking the pole position in many spheres of life.

Women are more successful at workplace and what looks even more encouraging is the fact that more women are joining the workforce every year. A recent labour force periodic survey has revealed that the number of women in the workforce has gone up from 22.9% in 2017-18 to 37% in 2023. This has also led to a critical transformation in the investment landscape. Some factors that have contributed to this are increased financial independence, awareness of equal opportunities for both genders and greater participation by women in investing.

Overall, women are a critical part of the investment ecosystem for a number of reasons as they have emerged to be a resilient and focused class of investors. Their desire to achieve financial independence and investing success are important factors that have contributed towards their participation in independent investment decisions. By having more women to invest through a process driven approach, not only will we see an inclusive investing environment but also will help in women being financially secure and future ready.

Attain Financial Freedom

How Women’s Investing Has Evolved In India

The evolution of women's investing over the past few years has been marked by significant growth and transformation. Increased financial literacy and awareness have shifted this dynamic. According to the FinEdge Women Investor Study, women participation as investors has surged, with almost 1 in 2 new investors being a woman at FinEdge. Today, women are more actively involved in the financial decision making. This shift has been supported by the growing recognition of the unique needs and goals of women leading to more inclusive and diverse financial landscapes. The rise of women investors reflects broader societal changes towards gender equality and financial empowerment.

With more successful women in the corporate arena, there has been a rapid increase in the number of women investors and it has been seen that the numbers have swelled post-COVID denoting a higher number of women being financially aware and working towards financial independence.

Women as New Investors

women investing

*FinEdge Women Investor Study

Women and Goal Based Investing

Goal-based investing is an empowering approach for women, enabling them to align their investments with their personal aspirations. By setting clear, measurable objectives—such as purchasing a home, funding education for their children, supporting family members or planning for retirement—women can create customised investment plans that cater to achieving these goals. This also creates financial discipline and resilience, helping women to stay focused on their long-term goals. As more women take charge of their financial future, they are adopting goal-based investing to achieve greater financial independence and security.

FinEdge’s study on its women’s investors has further revealed that how women investors have taken upto following an approach of investing that is directly linked to their goals.

As per the study women set significantly higher individual goals for retirement, indicating a strong focus on retirement planning with average goal size at Rs. 5.9 crores vs men at Rs. 3.48 crores.

Women also set larger individual goals for their children’s education, with an average goal size of Rs. 58 lakhs compared to men’s Rs. 44 Lakhs, indicating a more focused approach.

Children's Education

Dreams into Action – An Investing Platform for Empowered Women Investors

Dreams into Action (DiA) is a ground breaking investing platform that has empowered thousands of women investors to take control of their financial future and make informed investment decisions to achieve their financial goals. DiA focuses on personalising investment roadmaps by incorporating a collaborative approach.

We believe that women have unique investing needs, temperament and risk tolerance. The platform achieves high level of customisation for investors and takes into account ones financial situation independently. The process of investing is immersive and greater emphasis is given to understanding of individual cash flows and household budget, personal finance ratios, investing beliefs and financial goals. The outcome of a sound investing process is investing into products or instruments that perfectly align with your goals and risk tolerance and form a critical aspect of investing success.

Through its user-friendly interface and ability to create a collaborative value added experience, Dreams into Action empowers women to transform their dreams into actionable investment plans. Through this platform, women can confidently navigate through their investment journey focusing on goal achievement with a disciplined and consistent investing approach.

Recognizing the unique investment needs of women, the DiA investment platform offers a range of comprehensive tools and resources designed to make a generation of successful investors.

#SheInvestsbest Initiative

We associate great importance to a diverse investing landscape with more women participating independently towards their financial freedom. This has led us to carry on with our initiative called ‘#sheinvestsbest’ to educate and empower more women investors and help them create a financial roadmap that is aligned with their goals and aspirations. The initiative aims to address some of the challenges women face such as:

Lack of Financial Literacy: Continuously provide knowledge base for informed investment decisions.
Confidence Gap in Investing: Boost women's confidence to invest successfully and independently.
Time Constraints for Young Professionals: Highlight the importance of prioritizing investment despite busy schedules.
Lack of Customization: Offer customised investment solutions for unique needs and goals.
Delay in Investing: Stress the importance of early investment decisions to achieve financial goals.

Radhika Gupta

Women And Investing Financial Advisor For Women

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