{"id":13028,"date":"2024-11-19T12:03:01","date_gmt":"2024-11-19T12:03:01","guid":{"rendered":"https:\/\/lxme.in\/?p=13028"},"modified":"2025-05-14T09:08:06","modified_gmt":"2025-05-14T09:08:06","slug":"what-kind-of-short-term-investments-are-perfect-for-women","status":"publish","type":"post","link":"https:\/\/lxme.in\/v1\/what-kind-of-short-term-investments-are-perfect-for-women\/","title":{"rendered":"What Kind of Short-Term Investments Are Perfect for Women?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lxme.in\/v1\/what-kind-of-short-term-investments-are-perfect-for-women\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lxme.in\/v1\/what-kind-of-short-term-investments-are-perfect-for-women\/#How_can_women_balance_risk_and_return_in_short-term_investments\" >How can women balance risk and return in short-term investments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lxme.in\/v1\/what-kind-of-short-term-investments-are-perfect-for-women\/#Are_there_specific_investment_plans_that_cater_to_womens_financial_goals\" >Are there specific investment plans that cater to women\u2019s financial goals?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p>We as a woman, have different life stages, and hurdles, and planning for all types of goals is very essential be it short-term or long-term goals. Life can come with expected as well as unexpected expenses and planning for the same should be a priority so that, we don\u2019t end up in financial stress. Some goals need quick funding, like a vacation, buying electronic appliances, and being ready for emergencies. Short-term investments for women are perfect for these goals as they keep your money accessible while giving you returns that beat a regular savings account.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/lxme.onelink.me\/95JV\/portfoliodetail707\" target=\"_blank\" rel=\"noopener\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"108\" src=\"https:\/\/lxme.in\/wp-content\/uploads\/2024\/10\/Banner_Gulluck-1024x108.jpg\" alt=\"\" class=\"wp-image-11827\" srcset=\"https:\/\/lxme.in\/v1\/wp-content\/uploads\/2024\/10\/Banner_Gulluck-1024x108.jpg 1024w, https:\/\/lxme.in\/v1\/wp-content\/uploads\/2024\/10\/Banner_Gulluck-300x32.jpg 300w, https:\/\/lxme.in\/v1\/wp-content\/uploads\/2024\/10\/Banner_Gulluck-150x16.jpg 150w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>If you\u2019re looking to invest money for a few months up to 3 years, then there are smart, secure options designed to help you grow your money without a long commitment. Let\u2019s dive into the best short-term<a href=\"https:\/\/lxme.in\/invest\/\"> investment plans for women<\/a>, before that let\u2019s understand the types of short-term goals.<\/p>\n\n\n\n<p><strong>There are 2 types of short-term goals:<\/strong><strong><br><\/strong><strong>Ultra-Short Term Goal: <\/strong>If you have any goals that are within 1 month to 12 months i.e. up to 1 year then it is known as ultra-short term goals. For example: If you want to buy an iPhone within 6 months or want to buy a washing machine in 3 months, etc.<\/p>\n\n\n\n<p><strong>Short-Term Goal: <\/strong>If you have any goals that are within 1 year to 3 years then it is known as short-term goals. For example: if you want to go on a vacation after 1 year or you want to buy a car after 2 years, etc.<\/p>\n\n\n\n<p>Now, let\u2019s look at short-term investment options,<\/p>\n\n\n\n<p><strong>1. Lxme\u2019s Gulluck:<\/strong><\/p>\n\n\n\n<p>Lxme\u2019s Gulluck is a first-of-its-kind <a href=\"http:\/\/lxme.onelink.me\/95JV\/mymoneytab22\" data-type=\"URL\" data-id=\"lxme.onelink.me\/95JV\/mymoneytab22\" target=\"_blank\" rel=\"noreferrer noopener\">Digital Piggy Bank for Women<\/a> product that enables women to become the Smart Savers of tomorrow.&nbsp; Designed with the utmost focus on ease and accessibility, this product provides the perfect solution for women. This further invests in liquid mutual funds offering you an instant redemption facility, which will enable your money to get credited to your bank accounts within a few minutes and the best part is, it\u2019s low risk. The 3 years CAGR of this fund is 6.45%* (as of 1st October 2024).<\/p>\n\n\n\n<p><strong>2. Lxme\u2019s Ultra-Short Term Plan:&nbsp;<\/strong><\/p>\n\n\n\n<p>Lxme\u2019s Ultra Short-Term Fund is designed to fulfill all your ultra-short-term goals. This fund invests in debt &amp; hybrid mutual funds aiming to beat the savings bank account interest. You can invest in this fund for all your ultra-short-term goals. Most importantly it\u2019s a low risk investment option which has a 3 years CAGR of 6.39%* (as of 1st October 2024).<\/p>\n\n\n\n<p><strong>3. Lxme\u2019s Short-Term Fund:&nbsp;<\/strong><\/p>\n\n\n\n<p>Lxme\u2019s Short-Term Fund is designed for women to invest in their short-term goals which fall within 1-3 years. This fund enables you to invest smartly. This is a diversified portfolio, which has a mix of 80% debt mutual funds and 20% equity mutual funds, which enables you to get better returns than other short-term investment options available. This fund\u2019s 3 years CAGR is 9.62%* (as of 1st October 2024). This fund is diversified, well-researched, and curated by experts.<\/p>\n\n\n\n<p>You can<a href=\"https:\/\/lxme.onelink.me\/95JV\/mymoneytab22\" target=\"_blank\" rel=\"noopener\"> click here<\/a> to check out Lxme\u2019s Short-Term Fund.<\/p>\n\n\n\n<p><strong>4. Fixed Deposits (FDs)<\/strong><\/p>\n\n\n\n<p>Fixed deposits are the choice of most of the women. You can put some proportion of your money in an FD for as short as 7 days and more, depending on your needs. It offers fixed returns and is low-risk. Plus, if you ever need your money, you can break the FD early (with a small penalty).<\/p>\n\n\n\n<p><strong>5. Recurring Deposits (RDs)<\/strong><\/p>\n\n\n\n<p>Recurring deposits allow you to invest a fixed amount every month, making them perfect if you want to build up a short-term fund over time. You can choose an RD period from 6 months to a year or more, and since it\u2019s low-risk, your money grows steadily with a fixed interest rate.<\/p>\n\n\n\n<p><strong>6. Lxme\u2019s Emergency Fund:<\/strong><\/p>\n\n\n\n<p>Lxme\u2019s Emergency Fund is designed specifically for women, offering a smarter and more tax-efficient way to save for emergencies. We may encounter unexpected situations like sudden job loss, career breaks, unplanned pregnancy, or a partner&#8217;s death, which can be both emotionally and financially stressful. So, building an emergency fund is of utmost importance.\u00a0 Lxme Emergency Fund is a better way to build this fund as compared to putting money in traditional savings and fixed deposits, allowing women to grow their money while being prepared for unexpected situations. Lxme Emergency Fund 3 years CAGR is 6.44%* (as of 1st October 2024).<\/p>\n\n\n\n<p><strong>7. Savings Accounts&nbsp;<\/strong><\/p>\n\n\n\n<p>This is the most preferred option by women, as they feel comfortable with it. However, it generally comes with a very minimal interest rate which would not help your money to grow. If you want to consider a savings account then consider a high-interest savings account. Some banks offer special savings accounts with higher interest rates. It may offer slightly higher interest rate.<\/p>\n\n\n\n<p>*Mutual funds are subject to market risks, read all scheme related documents carefully. These returns are based on apst funds performance and do not indicate future performance growth.<\/p>\n\n\n\n<p>Short-term investments are a great way for women to meet short-term financial goals without committing for years. Whether you\u2019re saving for something special, building a safety cushion, or simply wanting your money to grow in the meantime, these options help you earn more while keeping your funds accessible. So, choose the one that suits your needs and comfort, and watch your money work for you without locking it away for long!&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1732017069744\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_can_women_balance_risk_and_return_in_short-term_investments\"><\/span><strong>How can women balance risk and return in short-term investments?<\/strong><br><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Women can balance risk and return in short-term investments by choosing a mix of low-risk options like Liquid Mutual Funds or Fixed Deposits and slightly higher-risk options like Short-Term Funds which have very little equity proportion. Diversifying across these options helps protect their money while aiming for moderate growth, achieving a balance between safety and returns.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1732017082833\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Are_there_specific_investment_plans_that_cater_to_womens_financial_goals\"><\/span><strong>Are there specific investment plans that cater to women\u2019s financial goals?<\/strong><br><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Lxme offers goal-specific investment options such as ultra-short term plan, short-term plan, emergency fund, etc. which are well-researched and curated by experts.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"How can women balance risk and return in short-term investments?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Women can balance risk and return in short-term investments by choosing a mix of low-risk options like Liquid Mutual Funds or Fixed Deposits and slightly higher-risk options like Short-Term Funds which have very little equity proportion. Diversifying across these options helps protect their money while aiming for moderate growth, achieving a balance between safety and returns.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Are there specific investment plans that cater to women\u2019s financial goals?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Lxme offers goal-specific investment options such as ultra-short term plan, short-term plan, emergency fund, etc. which are well-researched and curated by experts.\"\n    }\n  }]\n}\n<\/script>\n\n\n\n<p>Further Read,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/lxme.in\/powerful-ways-to-attract-money\/\" target=\"_blank\" data-type=\"URL\" data-id=\"https:\/\/lxme.in\/powerful-ways-to-attract-money\/\" rel=\"noreferrer noopener\">5 Powerful Ways to Attract Money and Achieve Financial Success<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/lxme.in\/financial-emergencies-and-how-to-manage-it\/\" target=\"_blank\" data-type=\"URL\" data-id=\"https:\/\/lxme.in\/financial-emergencies-and-how-to-manage-it\/\" rel=\"noreferrer noopener\">How To Prepare For Financial Emergencies and How to Manage it?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/lxme.in\/effective-ways-for-women-to-manage-stress-and-anxiety\/\" target=\"_blank\" data-type=\"URL\" data-id=\"https:\/\/lxme.in\/effective-ways-for-women-to-manage-stress-and-anxiety\/\" rel=\"noreferrer noopener\">Effective Ways for Women to Manage Stress and Anxiety<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>We as a woman, have different life stages, and hurdles, and planning for all types of goals is very essential be it short-term or long-term goals. Life can come with expected as well as unexpected expenses and planning for the same should be a priority so that, we don\u2019t end up in financial stress. Some <a href=\"https:\/\/lxme.in\/v1\/what-kind-of-short-term-investments-are-perfect-for-women\/\" class=\"more-link\">&#8230;<span class=\"screen-reader-text\">  What Kind of Short-Term Investments Are Perfect for Women?<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":13074,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[30,166],"class_list":["post-13028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-smart-money","tag-investing","tag-women-and-investing"],"acf":[],"_links":{"self":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/13028","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/comments?post=13028"}],"version-history":[{"count":3,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/13028\/revisions"}],"predecessor-version":[{"id":16242,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/13028\/revisions\/16242"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media\/13074"}],"wp:attachment":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media?parent=13028"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/categories?post=13028"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/tags?post=13028"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}