This research paper explores the relationship between income stability and investment decision-making among working women, focusing on how consistent earnings influence financial behavior, risk tolerance, and long-term investment strategies. In the current economic environment, women are increasingly participating in the workforce, contributing significantly to household income and financial planning. However, their investment behavior is shaped not only by income level but also by the stability and predictability of that income. The study is empirical in nature and is based on both primary and secondary data sources. Primary data was collected through structured questionnaires distributed among working women from diverse professional backgrounds. Secondary data was collected from financial journals, reports by regulatory bodies, and previous academic studies. The findings reveal that income stability has a strong positive impact on investment confidence and diversification. Women with stable income tend to prefer long-term wealth creation instruments such as mutual funds, equities, and retirement plans, whereas those with fluctuating income focus on liquidity and safety through savings accounts and gold investments. The study highlights the importance of financial literacy, income security, and policy support in enhancing women's participation in financial markets.
TANDAN et al. (Wed,) studied this question.