By Okbima 30 Aug 2023 5

Small Investment Plans for Housewives: Building Financial Security


There are many prospects for investors to make large profits in the Indian financial markets today. Many housewives seek to learn as much as possible about them to increase their cash flow. They assume the enormous duty of organizing the family's finances with the little resources at their disposal. Regardless of how much money they spend each month, especially during the holiday season, they can save some. 

Additionally, rising inflation rates encouraged women to save more significant sums for their future. In the meantime, women must learn more about investment plans to make the best choice. Also, they provide advice on how to deal with monetary difficulties in life, such as those caused by paying for medical expenditures and other expenses.


Best Investment Programs for Indian Housewives

The best small investment strategies for Indian housewives should be known so that they may select them depending on their preferences and reap more benefits. If you are a housewife and want to make a significant investment, don’t worry! We are here to help. Here is a list of the best plans for Indian housewives.

  1. Bonds

A bond functions similarly to a loan with an established maturity date that pays interest to investors. Many government agencies and private businesses issue different kinds of bonds to satisfy their financial needs. A stable income with no risks is the best investment option for women. 

  1. Mutual Funds

Because they offer opportunities to make a respectable income, mutual funds are among the most significant investing options for stay-at-home moms. Through systematic investment programs (SIPs), they can make modest contributions to mutual funds starting at 100 rupees. 

Additionally, housewives may earn from the stock markets, which provide strategies to guarantee profits. Due to the market dangers that mutual funds are vulnerable to, it is advisable to check them to reduce losses frequently. Working with fund managers well-versed in market analysis and mutual funds is a smart move since they can assist in resolving complex problems.

  1. Program for Monthly Income at the Post Office (POMIS)

To help women increase their income, Indian post offices offer investing alternatives. Housewives can invest money in the POMIS, or post office monthly income plan, starting at Rs. 1500. No risks are involved. They can choose from many payment methods and a monthly interest rate. Because it offers opportunities to spend money on various objectives, POMIS is an excellent choice for investment planning.

  1. The Public Provident Fund (PPF)

PPF, or the Public Provident Fund, is one of the most well-liked investment options provided by the government of India. It is the greatest option if a housewife wants to make a long-term strategy. The favorable rate of return PPF gives investors helps enhance cash flow, which is another benefit. On top of that, they are higher than the rates on bank deposits, which will aid in getting significant returns.

  1. The National Savings Certificate (NSC)

Housewives can obtain assured returns using National Savings Certificates (NSC) offered by post offices. There are ways to guarantee additional revenue thanks to the five- and ten-year lock-in periods. A woman can participate in the program for as little as 100 rupees, and there is no restriction on the maximum sum that can be invested.

  1. Continuous Deposits (CD)

Housewives may put away small sums monthly using the recurring deposit (RD) program, which all banks offer. It improves the money flow by providing better returns than a standard savings account. The minimum expenditures and interest rates may also differ from one Indian bank to the next. It represents one of the greatest investing possibilities for housewives looking to enhance their income.

  1. Investment in Equities

Direct equities are another investment alternative for women looking to increase their wealth. While they carry a high level of risk, they also have great potential rewards that can lead to profitable outcomes. The financial sheet of a firm should be examined, and housewives should evaluate the company's stock market performance. The market share and product quality are then provided, along with stock investing strategies.

  1. Ttfs, or Exchange-Traded Funds

Mutual funds and actively traded securities are combined to form exchange-traded funds (TTF). They are a viable option for Indian housewives investing money in various instruments, including bonds, commodities, etc. It, in turn, offers strategies for generating significant profits in emerging markets. 

Given that teams of professionals expertly manage them, TTF represents one of the best small investment plans in India. Housewives can benefit from high profits with lower risk because it takes less research and supervision.

  1. Insurance Plans

Unit-linked Insurance Plans (ULIPs), a form of insurance policy, enable housewives to make money. A mix of insurance and investment provides the means of being financially safe against unforeseen events and increasing wealth. Another benefit of ULIP is that it enables women to invest their money in the long term to optimize their savings.

Additionally, taking care of the basic requirements helps investors with appreciation and tax savings. When housewives wish to increase their investment returns, they should educate themselves more on insurance products.

  1. Gold

Women frequently choose gold as a form of investing. Considering that gold is considered lucky, Indian ladies always like to buy it throughout the holiday season. Even though we adore our gold jewelry, it could not be a good investment since jewelry has extra costs. It could be production fees, and you might not obtain the same value when you sell it. 

Women may want to think about investing in gold in different forms, such as coins made of gold or bars. Nowadays, women may invest in digital gold products like gold securities, e-gold, gold exchange-traded funds, gold savings plans, etc., which are the best investment possibilities.


For Women, How Significant Is Investing?

Just 44% womens will make the right investment decisions in 2022, according to a report by the Indian financial firm DSP Winvestor Pulse. It is evident in women's lack of exposure to global investment. Surprisingly, even as more and more women achieve financial independence, investing in bonds, stocks, or even property is still frequently associated with the family's male members. 

Many working women still do not understand the idea of aggressive investment. They like making bank deposits or purchasing gold jewelry as investments for their future. Everybody needs a thoughtful and strategic investment plan during skyrocketing inflation and unforeseen economic downturns. Your future and those of the people you love can be secured with appropriate investments. Your financial freedom may increase if you invest in real estate, equities, bonds, ULIPs, etc. It makes sure that you are independent in terms of your financial demands.



Homemakers nowadays are developing smart thinking skills while making financial investments. They have many options to make the most of their money. There are investments with considerable risk and some with no risk at all. To prevent unintended difficulties, they should assess them more carefully. The investing alternatives enable individuals to save additional funds regardless of whether they are employed or choose to stay at home. 

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