3 Smart Investment Options for Women by Prof. Vinny Arora

Looking for the best investment options tailored for women? Prof. Vinny Arora, a digital creator, Finance Professor, and SEBI Registered Investment Adviser, shares three investment options starting at just ₹100. These options are designed to empower women and help them achieve their financial goals.

Mahila Samman Savings Certificate

The Mahila Samman Savings Certificate is a government-backed scheme available only for women and girl children. With a minimum investment of ₹1,000 and a maximum of ₹2 lakh, it offers a 7.5% annual interest rate and a maturity period of 2 years. Partial withdrawals of up to 40% are allowed after one year from the account opening date, making it a flexible and secure option.

Sukanya Samriddhi Yojana

The Sukanya Samriddhi Yojana is another government-backed scheme specifically for girl children. It requires a minimum investment of ₹250 and allows up to ₹1.5 lakh per year. With an interest rate of 8.2% per annum and EEE tax exemption, this scheme provides full tax deductions on the principal, tax-free interest, and maturity amount. The maturity period is 21 years or until the girl's marriage after she turns 18. Additionally, 50% of the account balance can be withdrawn for educational expenses.

Balanced Advantage Funds (BAF)

Balanced Advantage Funds (BAF) are a type of mutual fund available to all investors. They allow for investments starting at just ₹100 through SIP or lump sum. BAFs invest in both equity and debt, adjusting based on market conditions to optimize returns while mitigating risks. These funds are less risky than pure equity funds and have a recommended investment horizon of 4-5 years, with expected long-term returns of 12-15%.

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These three investment options—Mahila Samman Savings Certificate, Sukanya Samriddhi Yojana, and Balanced Advantage Funds—offer women secure and profitable ways to grow their savings. By choosing the right investment, women can ensure financial stability and achieve their long-term goals. Prof. Vinny Arora's recommendations provide a solid foundation for women to start their investment journey confidently.