Volume 2 - Issue 2, March - April 2026

The economic empowerment of women has been a critical driver of social change in recent decades. As women increasingly enter the workforce, their role has shifted from passive savers to active investors. This study investigates the savings and investment patterns of working women, focusing on their awareness, risk tolerance, and preferred investment avenues. Historically, women’s savings were confined to traditional, low-risk instruments such as gold and bank deposits. However, with rising financial literacy and income levels, there is a perceptible shift towards modern financial assets like mutual funds, equity shares, and insurance schemes. This research utilizes primary data collected through a structured questionnaire to analyse these trends. The findings reveal that while safety and liquidity remain the primary concerns for working women, younger professionals are exhibiting a growing appetite for riskier, high-return investments. The study concludes that while financial independence has increased, there is still a significant need for targeted financial literacy programs to help women optimize their portfolios for long-term wealth creation.

Aleena K P, Dr.R.Sakthivel, "Savings and Investment Patterns of Working Women" International Journal of Advanced Multidisciplinary Research and Educational Development, V2(2): Page(58-62) Mar-Apr 2026. ISSN: 3107-6513. www.ijamred.com. Published by Scientific and Academic Research Publishing.