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Indian Women Shift from FDs to Equity MFs, Allocations Triple in 5 Years

Equity mutual fund allocations among Indian women have surged from 10% to 32% over five years, while fixed deposit holdings have halved from 45% to 20%. The shift reflects a move towards diversified, long-term portfolios anchored around specific life goals rather than individual products. Women investors are now more likely to hold assets through market corrections and selectively add capital during dips, showing greater conviction. A key emerging priority is intergenerational wealth transfer, with most respondents actively discussing legacy planning.

Key Points: Women's Equity MF Allocations Rise from 10% to 32% in India

  • Equity MF share up from 10% to 32%
  • FD allocation falls from 45% to 20%
  • 75-90% hold assets through market corrections
  • Shift to goal-based "bucket thinking" portfolios
  • Intergenerational wealth transfer a key priority
2 min read

Equity MF allocations rise from 10 pc to 32 pc among Indian women

Indian women investors triple equity MF allocations to 32%, reduce FDs from 45% to 20%, and adopt goal-based, long-term financial strategies.

"Indian women investors are becoming more informed, confident and strategic in shaping their financial futures. - Ankur Punj, Equirus Wealth"

New Delhi, March 8

Equity mutual fund allocations among Indian women have risen from about 10 per cent to 32 per cent over five years, while fixed deposit shares fell from around 45 per cent to 20 per cent, a report said on Sunday.

The report from wealth management firm Equirus Wealth said that alternative assets such as PMS and AIFs have grown from about 3 per cent to 7 per cent.

Around 75-90 per cent of women now hold assets through market corrections rather than exiting in panic, it said, adding that around 55 per cent selectively add capital during market dips, reflecting growing conviction.

Around 35-50 per cent of women investors either do not use AI tools or use them only for learning and monitoring.

The report drew on interactions with roughly 55,000 women investors and over 100 relationship managers spanning all age cohorts.

The wealth management firm indicated a shift from fixed deposits, gold and property towards diversified, allocation-driven portfolios anchored around long-term financial goals.

"Indian women investors are becoming more informed, confident and strategic in shaping their financial futures," said Ankur Punj MD- Business Head, Equirus Wealth.

Technology, including AI, is beginning to play a role in the learning and research process - but disciplined frameworks and human judgement continue to guide investment decisions, Punj added.

Investors are increasingly adopting "bucket thinking" - organising portfolios around life goals such as safety, growth, liquidity and legacy rather than individual products.

The women investors have reinterpreted risk from "loss of principal" five years ago to include inflation erosion, failure to meet financial goals, portfolio drawdowns and recovery time, as well as governance risks within family wealth structures, the report noted.

Intergenerational wealth transfer is emerging as a key priority with 75-90 per cent of respondents actively discussing legacy planning to ensure next-gen beneficiaries have the right behavioural guardrails, it added.

- IANS

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Reader Comments

R
Rohit P
As a husband, I'm really proud to see this shift. My wife handles our investments now and she's far more disciplined than I ever was. She doesn't panic during corrections and actually invests more. This data proves what I've seen at home. More power to our women!
A
Anjali F
While the trend is positive, I hope this isn't just data from metro cities. We need more financial literacy programs in tier 2 and 3 cities and rural areas. The shift from gold and property is good, but let's ensure it's inclusive across all sections of society.
K
Karthik V
The point about reinterpreting risk is crucial. My mother used to say "sone ka bharosa" (trust in gold). But now she understands that inflation eats into FD returns. This change in mindset is the real story here, not just the percentage shift.
S
Sarah B
Interesting to see the intergenerational wealth transfer focus. In many Indian families, discussing money was taboo, especially with daughters. If 75-90% are now actively planning legacies, that's a massive cultural shift. The next generation will benefit immensely.
V
Vikram M
The fact that most women aren't relying heavily on AI tools yet shows practical wisdom. Investing needs human judgment, especially in our volatile market. My wife uses apps for tracking, but her decisions are based on our family's goals, not algorithms. Smart approach.

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