Women of 2020 - From being financially independent to making independent investment decisions.

Posted On Monday, Mar 09, 2020


Gone are the days when women earned less as compared to men and when women were reluctant to take risks. In today’s world, more women are highly educated, have greater participation in workforce and the percentage of financially independent women has increased rapidly. It is, thereby, essential for a woman to acquire the right skill of investing for consistent prosperity and wealth creation.

Evolution of society and modernism has to lead to women empowerment. Thus, investing is no longer restricted to a male’s decision alone. Although, women are insignificant in investment decisions in India, this trend is changing fast.

In Indian mutual fund industry, the number of women fund managers is rising gradually, they represent a mere 8% of the total fund managers and manage just 15% of the total assets . The growth of women fund managers is pleasing.

On a household level, women have been demurred from handling money matters and the awareness about investment decisions is minimal. Today, about approximately 45% of women take the decisions with their spouse, father or significant other. This scenario needs to change for the well-being of the women.

Apart from gender equality, there are more compelling reasons why women should take charge of their savings.

Sincerity and consistency results in better decisions

Women are sincere and consistent towards working towards achieving their goals. Women are more disciplined comparatively and hence, investing in SIPs is a best way for them to invest their savings in a disciplined and consistent way.

Slow and steady wins the race

Women are often criticized for being less aggressive. Well, it is simple. They take less risk, they worry less, they trade less and they earn more.

Since the focus usually is long term for women, they take their time to do detailed research, remain patient and often buy to hold.

Professional help and diversification

The maternal instinct in every woman works in her favor of investing. In order to minimize losses, women are more receptive towards professional advice offered by experts. Women rarely lose focus of their ultimate goal and hence, instead of speculation, they incorporate diversification in their investment strategy.

Among various studies and reports, the Forum of Sustainable and Responsible Investment has advocated that women outperform men by a considerable margin when it comes to investment decisions.

Longevity and survival

Biologically women live longer than men. Women tend to leave the workforce earlier than men to shoulder family responsibilities. Hence, it is imperative that women should start saving early as they would need larger retirement corpus for survival.

The changing social system in India, women are single by choice, aren’t tolerating an unhappy marriages anymore or are single parent. It is a must that every woman should be aware of her finances and must know how to manage her finances for thriving.

Today, approximately 57% of women entrepreneurs are sole decision makers of their finances, while the rest take the decisions with their spouse, father or significant other.

Role Models

Lastly, trust and emotions are crucial drivers in women’s decision making. Women can connect and belief a role model and follow her footsteps to begin investing.

Women have the potential to work in adversities, women have the potential to create history and women have the potential to secure their future with investing. There’s no power like women power. All kudos to women empowerment! to strong and independent women , make the right choice , make the right investments.

Disclaimer, Statutory Details & Risk Factors:

The views expressed here in this article / video are for general information and reading purpose only and do not constitute any guidelines and recommendations on any course of action to be followed by the reader. Quantum AMC / Quantum Mutual Fund is not guaranteeing / offering / communicating any indicative yield on investments made in the scheme(s). The views are not meant to serve as a professional guide / investment advice / intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or mutual fund units for the reader. The article has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been solicited based upon the information provided herein, due care has been taken to ensure that the facts are accurate and views given are fair and reasonable as on date. Readers of this article should rely on information/data arising out of their own investigations and advised to seek independent professional advice and arrive at an informed decision before making any investments.

Mutual fund investments are subject to market risks read all scheme related documents carefully.

Please visit – www.QuantumMF.com to read scheme specific risk factors. Investors in the Scheme(s) are not being offered a guaranteed or assured rate of return and there can be no assurance that the schemes objective will be achieved and the NAV of the scheme(s) may go up and down depending upon the factors and forces affecting securities market. Investment in mutual fund units involves investment risk such as trading volumes, settlement risk, liquidity risk, default risk including possible loss of capital. Past performance of the sponsor / AMC / Mutual Fund does not indicate the future performance of the Scheme(s). Statutory Details: Quantum Mutual Fund (the Fund) has been constituted as a Trust under the Indian Trusts Act, 1882. Sponsor: Quantum Advisors Private Limited. (liability of Sponsor limited to Rs. 1,00,000/-) Trustee: Quantum Trustee Company Private Limited. Investment Manager: Quantum Asset Management Company Private Limited. The Sponsor, Trustee and Investment Manager are incorporated under the Companies Act, 1956.

Above article is authored by Quantum.

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