Paper Title
Financial Literacy and Investment Choices: A Study of Working Women

Abstract
Each investor has distinct motives for their financial ventures, with numerous factors influencing their investment decision-making, including age, education, marital status, and gender. In contemporary times, working people are increasingly equipped with the potential to earn and invest. Thus, this study aims to discern the levels of investment awareness and preferences among working people, as well as their experiences with various investment avenues. Every investor has different reasons for making financial investments, and a variety of characteristics, such as age, education, marital status, and gender, affect their choices. These days, working individuals have more and more opportunities to make money and make investments. Therefore, the purpose of this study is to ascertain working people's investing awareness and preferences as well as their experiences with different investment routes. This study is descriptive in nature and is based on primary data collected from Indian respondents. The goal of most working people is to save some of their current income for future expenses like houses, weddings, schooling, and unanticipated circumstances. The study is cognizant of a variety of investing alternatives. However, they tend tofavour a limited number of conservative options, including government securities, bank deposits, exchange-traded funds, and public provident funds (PPF). They frequently abstain from investing in riskier and more volatile options, such as mutual funds or the stock market. In a same vein, they avoid insurance and post office plans because of the longer lock-in periods and lesser returns. Keywords - Public Provident Fund, lock-in periods, investment knowledge, and exchange-traded funds