Empowering women with investment ideas

Hi everyone today lets shift our focus to financial market, for every woman it is very necessary to save money, but for most of us we feel afraid to invest in financial market,hey no worries there are some wonderful less risky ways to invest and save money .Today i am listing down some of the great investment options for women.

For anyone its always wise to earn money but one should also be prudent enough to optimize the returns from it without risking the capital.



If you belong to the salaried class or a small business owner, you should consider the PPF as your first option. You do not need to explore other options before you consider this. PPF offers almost 99% security being operated by the government.

  • Minimum investment of Rs.500 and maximum of Rs.1,00,000
  • Tax free interest and maturity amount
  • One of best interest among fixed income products – 8.1% p.a


Under NSC anyone can invest money as the minimum investment is Rs.100 and one has option to choose 5 or 10 year period. The current interest is 8.8%. Just like PPF, the Indian government fixes the interest rate for NSC each year.Once the investment has been made, it earns an interest rate based on the rates associated with the type of certificate bought. The maturity date for these certificates is set to 5 or 10 years from the date of purchase but the interest is calculated on a yearly basis. This interest will not be paid to the certificate holder till such time as the investment matures. The interest that is earned is also be reinvested in the NSC itself.



A Term Deposit or bank fixed deposit as it’s often called is a good choice if your investment period is 6-24 months. It is very common and simple product which does not need much explanation. Also the rules vary from one bank to another. Typically, smaller banks offer higher interest rates.The minimum investment period is 30 days.


Mutual funds are ideal for an individual investor who can’t follow the market regularly. It allows a professional to take care of your investments. You should invest with some long-term goals in mind. It provides you with diversification.Mutual funds are generally classified by their principal investments. The four main categories of funds are money market funds, bond or fixed income funds, stock or equity funds, and hybrid funds.


If you’re a seasoned investor or one who doesn’t like mutual funds, then direct equity is best for you. You make direct stock purchases of companies which you feel will do well in the future. SEBI regulates the stock markets.Equity Stocks have the best possibility to return the most returns if chosen wisely. You can only save money with conservative investment options. If you’re serious about getting rich, then majority of portfolio should be towards high quality stocks with long term investment .



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