What Are Retail Investments?
Retail investments are the mode of investments where an individual and a non-professional individual can buy or sell their stocks, mutual funds or exchange-traded funds. They can do this through either traditional method or online brokerage method or even directly from their bank accounts. A retail investor has a small amount on hand, and they trade less frequently compared to professional investors.
Some people may even choose to invest in various investment plans offered by banks or non- banking financial companies that offer more Secure Investment plans for Women. However, retail investors have less expertise in their field as they don't actively participate in trading and other activities. Hence, it is observed that many times they underestimate the role of the financial market. With the advent of technology and internet, retail investors are growing and, in many countries, they have a good share in the economy.
Women Investors in the Past
Gone are the days where women did not bother much about their finances and investments. Modern women are becoming active when it comes to investments and are making smart choices too. It is indeed the need of the house that women become more aware of their finances.
Which Factors Make a Difference for Men and Women When it Comes to Investments?
Women have fewer working years, a higher period of break or sabbatical in their career, and more life expectancy compared to men. Hence, considering the inflation incurring in the markets, it is important for us women that we take care of our finances, understand the need of strategic investment and retirement plans to have a financially secure retirement period.
Changing the Attitude of Modern Women towards Investment and Retail Investment
The scenario In a country like India, which has its roots deep dug in patriarchy, where the role of women once was only included taking care of the household is changing quickly. Modern women understand the need of financial independence; they have become more comfortable with investing in stock markets as they too have identified the potential of making quick money, creating possible wealth out of their parked money. In fact, they are becoming more confident with their financial decisions. For instance, investing money in Bajaj Finance FD for Women< at higher rate of interest can help earn higher returns on investment, and this gives them confidence for a secure future.
According to a report, it is observed that women start by making investments in large-cap stocks and later move on to small-cap stocks. Women these days invest in both short as well as long term and are learning to make more dynamic, bold and smart decisions.
As per a report, the current ratio of men to women in the stock market stands at 76 to 24, which is impressively higher compared to a few years ago. Women are becoming more responsible and aware of their financial goals and the need for funds for stability and security in the future.