About Us

Pankhuri is a women’s only community for members to socialize, explore and upskill through live interactive courses, expert chat, and interest-based clubs. Our short video app opens up endless possibilities for women with interests like fashion, beauty, grooming and lifestyle.

We are dedicated to all things beauty, inside and out. From hair and makeup to health and wellness, Pankhuri takes a fresh, no-nonsense approach to help you feel and look your absolute best. We help women find confidence, community and joy through beauty. It is a safe and empowering space that aims to help them lead their best lives. We’re driven by a commitment to improving women’s lives by covering daily breakthroughs in beauty and health, with a focus on story-telling and original reporting.

We are an ambitious, creative and committed community, backed by some of the best investors in the country. We are female-founded and led, and believe passionately in creating an inclusive and welcoming ecosystem for everyone.

We live in an era where gender stereotypes are continuously challenged and more equality is demanded. Having said that, A high percentage of women are dependent on male family members to not only put food on the table but also to ensure their safe future. Many women are discouraged from taking an interest in financial planning. We’ve all seen our mothers and grandmothers effectively handle our houses and household expenses, but how many of us have seen them make an investment decision?

Initially, an investment journey begins with figuring out the goals. Some of our priorities are: Childbirth, Higher Education, Childcare and Retirement Planning. After the goals have been listed out, the next step is to calculate the amount required to achieve the goal and also the time frame for each goal. The duration depends on your convenience entirely.

Start with a small amount of money if you’re hesitant. 

Now comes the time to decide where to invest your money to attain these goals.

SHORT TERM INVESTMENT

If you’re trying to invest money for a short term, you’re probably looking for a secure location to store cash until you need it in the near future.

We’ve listed down a few reliable options with low to no risk. 

  1. Debt Mutual Funds

Debt funds are recommended by women that are looking to accumulate a certain amount of money, usually to purchase something. For example, a new phone, home appliances, a gift for a loved one, etc. Start a debt fund instead of paying through EMI. This helps you to avoid getting into debts and interest payments. Average return rate is 9%. 

For instance, you want to buy a new phone that costs ₹50,000. Set aside ₹5400 for 9 months in your debt mutual fund, this will give you an average of 9% return which leaves  you with ₹50490. Viola! You can buy the new phone you had your eyes on without the hassle of EMI and high interest rates.  

  1. Fixed Deposits

Short-term investments can readily be made with fixed deposits. They provide a high rate of return, are unaffected by market changes and interest rate volatility, and have a flexible duration. Fixed deposit schemes are considered to be one of the safest short-term investment options since they give a fixed interest rate and assured earnings.   

  • Tenure: Fixed deposit accounts have a tenure of 7 days, 14 days, 30 days, 45 days, and up to 10 years, making them one of the safest short-term investment options. On maturity, the deposits can be renewed and reinvested.

Short-term investments are the most effective way to achieve your short-term financial objectives like: buy a vehicle, plan a wedding, or build an emergency fund. Furthermore, it allows you to withdraw money whenever you need it without having to wait a long period.

LONG TERM INVESTMENT

Are you thinking about making a long-term investment? This means you will not withdraw the whole amount for at least 3 years. Such investments are often done for children’s higher education, paying the down payment on a house, starting a small business, or saving for your retirement. But how do you do it? So, here’s a few options of some of the top long-term investing options.

  1. Public Provident Fund (PPF)

One of the most popular long-term investing alternatives in India is the Public Provident Fund (PPF). It is a safe investment with a competitive interest rate because it is supported by the Indian government. Furthermore, it provides tax benefits and interest income is tax-free. PPFs have a 15-year maturity period, but they can be extended for another five years or more within a year of maturity. PPF accounts can be funded with yearly deposits ranging from ₹500 to ₹1.5 lakh.

2. Mutual funds

In India, mutual funds are one of the greatest long-term investing options.There are various Systematic Investment Plan (SIP) is also regarded as one of the greatest long-term mutual fund investment solutions. The best part is they let you start with a small amount. It is important because it helps you gain confidence as an investor. Secondly, It’ll help you shape your future. 

We’ve often heard the phrase, “do not put all eggs in one basket”, mutual funds help us diversify our investments in different forms of assets. 

To learn more about Mutual Funds, attend Pankhuri’s free masterclass on Learn how to be financially fit and free.

https://pankhuri.co/master-class/course/1217

Having control over your investments allows you to have a say in your own and your loved ones’ financial futures. So, ladies, take control of your financial destiny and begin investing.

Investing is an intensive topic and in this blog we’ve just discussed the tip of the iceberg. For detailed knowledge on investing, Pankhuri has come up with a masterclass in collaboration with LXMI for Women’s Week 2022 to educate women the importance of investing, financial planning and various forms of investing.  

The best part is… It is completely free! So sign up now to gain access to essential information, as well as course certificates!

HURRY NOW! LIMITED slots! 

Click on the image below to register yourself!

About Author

Shweta Modi

4 Comments

  • Anas
    March 4, 2022

    Really informative!

  • Sushmitha
    March 6, 2022

    Great stuff. Can’t wait to attend the masterclass!

    • Shweta Modi
      March 7, 2022

      Thank you, Sushmitha. Looking forward to seeing you at the masterclass.

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