Financial Knowledge and Investment Behavior in Women: An Analytical Perspective

Abstract

This study examines the difference between economic knowledge, risk preference and investment behavior among women in India. Using a structured questionnaire, data was collected from 515 respondents of different ages, educational and employment segments through stratified random samples. Descriptive and subordinate statistical analysis was performed using SPSS - including the ratio and regression.

Conclusions show that women demonstrate moderate economic knowledge, with strong awareness in basic savings, but limited knowledge of mutual funds and digital tools. A significant positive correlation was observed between economic knowledge and investment behavior (R = 0.528, p <0.01), while risk preference was also found to predict investment activity significantly (β = 0.492, p <0.001). Large ambassadors include financial literacy and stable income, while obstacles include the benefit of risk and lack of advisory accessories.

This study emphasizes the importance of economic education to increase the investment results of women. The results provide action -rich insights for decision makers, financial institutions and teachers to strengthen women through inclusive economic strategies.