Investment Options With High Returns For Women: When it comes to investments, women are now increasingly taking charge of their financial futures. Whether it's saving for their retirement, a child's education, or simply building wealth, knowing where to invest can make all the difference. We spoke to Sanket Prabhu, Director at Finhaat Wealth Today, and Sameer Mathur, MD and Founder of Roinet Solution, to understand how women can make confident choices in high-return investments:
Top 5 Investment Options With High Returns For Women
1. Mutual Funds
Mutual funds are one ofthe most popular investment options for women looking for higher returns over a long period. According to Sanket Prabhu, “Mutual Funds offer women professional management of their investments, allowing them to benefit from expert knowledge while pursuing other personal or career goals. There are various categories available with diversified asset options and varying risk levels.”
You can start investing with as little as ₹500 per month through SIPs (Systematic Investment Plans), making it affordable for salaried women or homemakers managing household budgets.
2. Digital Gold
Gold has always been a favourite among Indian women. But times have changed, instead of buying heavy jewellery or storing physical gold, more women today are turning to digital gold as a smart investment option. Sanket Prabhu shared, “Digital gold provides various advantages over physical gold in terms of safety and security, purity and transparency, flexible liquidation, ease of transacting, and minimum ticket size, to name a few.”
3. National Pension Scheme (NPS)
For working women, the National Pension Scheme is an excellent investment option for retirement planning. Sanket Prabhu suggests, “With its tax benefits and flexible investment choices, women can tailor their contributions to suit their personal financial goals.” It offers both tax benefits and market-linked returns. The longer you stay invested, the more your retirement corpus grows.
4. Sukanya Samriddhi Yojana (SSY)
The SSY scheme is a government-backed savings plan exclusively for girl children. Sameer Mathur shared, “Designed specifically for the future of girl children, it offers an attractive 8.2% interest rate along with tax benefits ensuring both safety and high returns.” It’s ideal for women, especially mothers, or sisters, who want to create a financial cushion for their daughter’s higher education, marriage, or career dreams.
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5. Public Provident Fund (PPF)
The PPF scheme is backed by the Government of India, which means your investment is completely secure. There’s no risk of loss due to market fluctuations, making it ideal for women looking for a low-risk, guaranteed-return option. Sameer Mathur recommends, “It provides 7.1% tax-free returns with a 15-year lock-in period. Investments qualify for tax benefits under Section 80C, making this a secure, long-term wealth builder.”
Always start with a goal, seek expert advice when needed, and diversify your investments.
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