Beyond Saving: Women Should Invest, Build and Secure Long-Term Wealth

Informed and disciplined investments, use of step-up SIPs are key to building wealth

- MRIN AGARWAL

Despite making financial strides, women still represent a small fraction of India's investor base. According to NSE data, only 22% of stock market investors are women, while CAMS reports that 28% of mutual fund investors are women, with most opting for systematic investment plans (SIPs).

While these numbers signal progress, the question remains—are women truly building wealth, or are these just the initial steps toward financial independence? Many Indian women still face two major roadblocks to wealth creation—saving enough and making tough investment decisions.

Juggling multiple responsibilities often makes it challenging for women to save effectively or prioritize investments. However, just like any strong structure needs a solid foundation, wealth-building begins with disciplined saving. Relying on luck is not a strategy—consistent savings pave the way for financial security and long-term growth.

The art of smart saving To save 25-40% of their income each month, women can start by tracking expenses and identifying areas where they can cut down on unnecessary lifestyle costs. Small, mindful changes can add up over time. Simple habits like uninstalling shopping apps to reduce impulsive purchases, using the 48-hour rule (leaving items in the cart before deciding to buy), and scheduling regular no-spend days can make a significant difference in savings.