Women’s Day 2025 Special: Over the years, women have shown immense resilience when it comes to investing either be fixed-income assets or taking significant risks in market-related investments. Data showed that women have outpaced men by 22% in systematic investment plans (SIPs) in 2024, an analysis revealed that women investors in cryptocurrency have recorded a ten-fold jump for FY25. That being said, how can women smartly invest to have a secure and tension-free retirement? How to invest to build a Rs 1 crore corpus at retirement?

On this Women’s Day 2025, Priyanka Chigurupati, Executive Director, Granules India said, “Women’s Day is more than a celebration – it is a powerful reminder of the untapped potential that lies within every woman. In India, women entrepreneurs are not just shaping businesses; they are shaping futures – with the power to create up to 170 million jobs by 2030. At the same time, nearly one in four new investors in the stock market today is a woman, signaling a bold shift towards financial independence and agency. These are not just statistics – they are proof that women are no longer waiting for doors to open; they are building their own.”

Priyanka added, “But progress cannot be a solitary pursuit. It demands a collective effort – from industries, communities, and policymakers – to break systemic barriers, champion financial and professional inclusion, and create spaces where a woman’s potential is not just acknowledged but actively amplified.”

A recent report highlighted that, women have a higher appetite for systematic investment plans (SIPs). The findings indicate that the average SIP transaction value for women is 22% higher than that of men. Additionally, when it comes to lump sum investments, women are investing a staggering 45% more than their male counterparts. A remarkable 90% of women investors start their journey with SIPs, emphasising a disciplined, long-term investment strategy, cited by Angel One.

Furthermore, according to Mudrex’s data, women aged 25-30 make up the largest segment of female investors, accounting for 53% of the total. They are followed by women aged 31-35 (36%), while younger investors aged 18-24 represent 11% of the user base.

Give a guidance, Madhu Lunawat, Managing Director, The Wealth Company said, “The financial world rewards those who question, compare, and demand more. If you don’t advocate for yourself, someone else benefits at your expense. This Women’s Day, let’s break the cycle. Let’s encourage every woman-whether in boardrooms, startups, or self-help groups-to take charge, challenge norms, and never settle for less. Because when women rise, India rises.”

Let’s break barriers and safeguard your own future and be financial free.

How Can Women Build Rs 1 Crore Corpus At Retirement?

As per Prof Ripsy Bondia, Asst. Professor – Finance and Accounting,IMI Delhi, for someone planning for retirement, disciplined investing is key.

Bondia added, “Since retirement is a long-term goal, shortlisting 2-3 high-quality mutual funds (a combination of large-cap, flexi-cap, and multi-asset funds) and investing in them consistently over their income-earning years can be an excellent way to achieve their retirement corpus.”

Also, she said, many people panic at even small dips in the market, which leads them to stop their SIPs. Others are inconsistent with their SIPs due to personal reasons, such as additional expenses in a month due to travel, a wedding in the family, or house repairs.

However, Bondia also said, it is important to view expenses as income less savings rather than viewing savings as income minus expenses. One must prioritize disciplined savings. It is okay to start small, but it is essential to develop the disciplined habit of saving regularly.