Equity mutual fund allocations among Indian women have surged from 10% to 32% in the last five years, while fixed deposit shares have dropped from 45% to 20%, as per a report by Equirus Wealth. The report also highlights a rise in alternative assets like PMS and AIFs from 3% to 7%. Women investors are now holding assets through market corrections instead of panicking, with 55% selectively adding capital during market dips.
The study, based on interactions with 55,000 women investors and 100 relationship managers across different age groups, reveals a shift towards diversified portfolios centered on long-term financial goals. Indian women are increasingly informed and strategic in managing their financial futures, notes Ankur Punj, MD-Business Head at Equirus Wealth. Technology, including AI, aids in the learning process, but investment decisions are still guided by disciplined frameworks and human judgement.
Investors are embracing “bucket thinking,” structuring portfolios around life goals like safety, growth, liquidity, and legacy rather than specific products. Women investors have broadened their risk perspective to include factors like inflation erosion, failure to meet financial goals, and governance risks within family wealth structures. Legacy planning for intergenerational wealth transfer is a key focus, with a majority actively discussing ensuring proper behavioral guidelines for future beneficiaries.
