International Journal of Advance and Applied Research www.ijaar.co.in ISSN – 2347-7075 Impact Factor – 7.328 Peer Reviewed Bi-Monthly Vol.4 No.10 March – April 2023 75 A Study On Investment Avenues Preferred By Employed Women In Higher Education Ms. Prithvi Heggade M P 1 , Ms. Thanuja V 2 1 HOD - Department of Commerce Soundarya Institute of Management and science, Bangalore 560073 2 Asst Professor – Department of Commerce Soundarya Institute of Management and science, Bangalore 560073 Corresponding Author- Ms. Prithvi Heggade M P Email: prithviheggadem@soundaryainstitutions.in DOI- Abstract Every human being wants to save their part of income for the future requirements. Savings lead to capital development of country. Both men and women contribution for the development of capital formation plays a very important role for the development of the country financial position. In this study we try to analyse the investment options preferred by the employed women even though we know that women is the best finance manager in every home, her planning and investment has a key role in the success of the any household. But there are many driving factors which influence women investment decision. It is observed that women prefer risk free investment compare to men because women „s income is always treated as additional source of income, but today this concepts has be changed and women‟s income is also treated as main source of income in a family. This study analyse the various investment options like Bank Deposits, Physical Assets, postal savings, chit funds, shares, bonds, debenture and mutual funds etc. Preferred by employed women. Key words: Investment avenues, Capital formation, Savings, Risk 1. Introduction: Investment plays a very key role in the progress of the Nation. Investment carries risk and return, so before investing in it one should think about, security, safety and profitability. When we talk about investment there is no discrimination between men and women. As men, even women also want to invest her part of income, but her preference is been driven by many internal and external factors. There are many investment avenues available, it is the investor‟s choice to choose the right investment avenues according to their preference. Today women status all over world has changed drastically, we can see women in all sectors and even receiving higher salary and perks compare to men. Earlier days there was a myth that women may not preferred to invest her savings in risky ventures, but now we can see that women taking up high risky position such as finance minister, defence minister, bank manager, stock broker and so on, which indicates that her investment does not fully influence by only the risk factors. Investment in today‟s market is highly fluctuating which makes most of the investors to be scared in investing in securities. Impact of global recession on investment in today‟s trend is very high, due the war between Ukraine and Russia caused high impact on the investment in securities. Women prefers to invest in all avenues like Bank Deposits, Physical Assets, postal savings, chit funds, shares, bonds, debenture and mutual funds 2. Literature Review Dr.Priyanka Bhatt,Falguni Prajapati (2021) – Most of women doesn‟t want to ake risk and this tendency makes them “risk-averse investors”, Which is significant and helps them to eliminate risk in their long term investment strategy. According to her article majority of women investors cannot take any financial and investment decisions solely which makes them dependent on others for financial matter. Prof. Priya Vasagadekar (2014), in their study; investment awareness among Indian working women with reference to Pune