The Youth of India is gearing up and they are not ready to be stopped by any force, especially when it comes to investment. Investors in the age group of 24-30 are in no mood to be blocked for 10 to 20 years in an investment plan, and are rather opting for shorter plans of 1 to 2 years.

Youngsters from all the fields are opting for small term investments nowadays, and are jumping from insurance policies, PPF, NSCs to investments that are market linked, this transformation is taking place as youngsters are willing to take higher risks in exchange of short term investment options.

One of the reasons for this change can be that a shorter time frame which gives them the flexibility to move to a different investment avenue in case they feel uncomfortable with one. According to market analysts, the youth wants to trade in equities, make money and then think of insurance to take care of their future.

Most of the market linked options that youngsters are opting for these days include SIPs(systematic investment plans) in mutual funds, they are both tax saving as well as mutual funds. When the time comes to selecting an insurance policy, they prefer Unit Linked Insurance Plans (ULIPs). These plans are liquid and have flexibility of time, which is seen as the best option.

Youngsters are looking for investments for risk protection and generating wealth in order to keep the long term concept at bay. They want access to investments to fund their marriages or individual homes. Around 20% to 30% is invested in risk protection such as mediclaim, fixed deposits or NSCs while the rest goes to wealth generation.

Market analysts have also stated that they have seen a 25% rise in the number of young investors who are willing to take risks. Although they believe investing 100% into equities is not advisable, some debt investment helps to take the advantage of downfalls in the market.