Around 39 per cent of women have begun investing in their 20s, 41 per cent started in their 30s, and 44 per cent are prioritising retirement planning, according to a study published by investment management company FinEdge on the eve of International Women’s Day.

“Women on the Rise – Investor Study” interviewed 4,351 women aged 23-64 in March this year to understand the financial preparedness of women. The study shows that more and more women prefer goal-based investing, with 44 per cent of respondents having started retirement planning and 35 per cent of women saving money for children’s education. Children’s marriage is also one of their top priorities, with 27 per cent saving cash for such occasions.

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According to the study, women’s awareness levels regarding financial planning are increasing, mainly among those aged 20 to 40 who have started saving and investing early to achieve long-term goals. The study further shows that 71 per cent of women stayed invested for more than five years in a financial instrument, underscoring their goal-oriented investing preference.

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Commenting on the findings, Harsh Gahlaut, CEO of FinEdge, said, “Women are taking charge of their financial future with determination and foresight. They are investing not only more but also investing smarter. By allocating a higher percentage of their monthly income towards their financial goals, women are taking proactive steps towards achieving long-term success.”
According to the study, women investors were more disciplined than their male counterparts. On average, women invested Rs 4,483 in a systematic investment plan (SIP) compared to Rs 3,992 for men. Additionally, women allocated more funds for their financial goals than men, reflecting their focused and goal-based investment approach.
The participants in the study were from across the country.