Published on September 26, 2013
Demystifying StocksEmpowering Women
Indian Women’s Outlook • Indian society is changing at a rapid pace. The clear discrimination of gender roles are blurring. As democratic philosophies sneak into the social system traditional family roles are also changing. •Better education and a global outlook have opened up a new world of opportunities for women in India. Economic necessity is also forcing women to opt for a career.
• Women have nowadays become an integral part of a family in making key decisions related to life and family’s well-being. Working women need to find a balance between their career and family. There are huge expectations from both sides and a fear of neglecting either one. • Today, women are making most of the household decisions involving money and are actively participating in contributing to family’s wealth. Thus, women can no longer neglect the importance of investing. Current State
Money Matters • Money is fluid, something worth a few hundreds today could cost significantly more the next day. In the current economic situation, inflation is a constant. • In order to ensure higher returns and financial independence to maintain a standard of living, disciplined investments are a must. With a little bit of smart planning and investing, one can cushion, if not ward off, any crisis.
Investment A Must • The key is planning AND investing. • Investing your money is not just about parking some money in the bank every few months. • A good investment plan needs both, awareness of various avenues of investment and money to invest.
Approach Towards Investment • Women have a more balanced approach towards investments, making them ideal investors. • Thus, it is very imperative for women to have a proper investing plan – be it equities or real estate or commodities. • It is very important to have a diversified approach towards investing, thereby hedging the risks associated with equities or commodities.
Approach Towards Investment • Women should have their money allocated towards low risk provident funds and fixed deposits, medium risk debt and income funds and also towards high risk equity and commodities, depending upon their risk profile.
Investment Planning • Allocating a fixed amount every month in FDs, PF/PPF, mutual fund SIPs should be a right approach. • Further surplus in the money should be used for creating real estate assets – be it for own use or for investments. It is also advisable for women to have regular investments in gold ETFs or gold bars – instead of bowing towards temptations of buying gold jewelry.
How & Where To Invest • Above all, most important is to have an insurance plan for yourself – life insurance as well as health insurance. All these investment strategies will not only help women become self- sufficient but would also help them attain financial independence. • These systematic investments also help in providing a regular stream of income during old age as well as build a healthy portfolio for children that can be used for their education as well as marriage.
Investment Issues • Investment addresses the acute concern of the 'sandwich' generation who looks after their aged parents and takes care of their children's needs today, but can't depend upon their children to look after them in their old age. • It's quintessential that they make the most of their earning years and invest for their future needs. • If that sounds intimidating, take heart. All you need to get started is a primer on investing.
Final Note • Dear friends, the chief principle here is that investment is all about making your hard earned money earn more money for you! Simply put, it is the practice of making your money work for you, while you work for more money.
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Disclaimer: Kotak Securities Limited, Registered Address: Bakhtawar, 1st floor, 229, Nariman Point, Mumbai – 400021. Correspondence Address: 6th Floor, Kotak Infinity, Building No. 21, Infinity Park, Off Western Express Highway, General AK Vaidya Marg, Malad (East), Mumbai 400097. Tel no: 66056825. SEBI Registration Numbers: NSE INB/INF/INE 230808130, BSE INB 010808153 / INF 011133230, OTC INB 200808136, MCX-SX INE 260808130/ INB 260808135/INF 260808135 , NSDL IN-DP-NSDL-23-97, CDSL IN-DP- CDSL-158-2001, AMFI ARN 0164. Compliance Officer - Mr. Sandeep Chordia. Tel. No: 022 6605 6825. Email id: email@example.com. In case you require any clarification or have any concern, kindly write to us at below email ids: • For Trading Account related queries: firstname.lastname@example.org • For Demat Account related queries: email@example.com. • Alternatively, you may feel free to contact our customer service desk at our toll free numbers 18002099191 or 1800222299. You may also call at 30305757 by using your city STD code as a prefix. • In case you wish to escalate your concern / query, please write to us at firstname.lastname@example.org and if you feel you are still unheard, write to our customer service HOD at email@example.com.
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