Synopsis
Financial action is moving faster than financial preparedness among employees, with many investing, exploring new opportunities, and thinking about long-term goals, but still seeking clarity on fundamentals. A survey by financial education firm Finsafe sheds light on this paradox and the role employers can play.
Top challenges*Share of respondents who agreed (%)Emergency preparednessIncome Tax Guide
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To what extent are respondents resilient against an unexpected financial shock?Savings behaviour
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How much take-home income do respondents save?Investment behaviour*Share of respondents who put their money (%)Learning demand*Share of respondents who seek education (%)What regulatory data saysTwo Securities and Exchange Board of India (Sebi) surveys validate how the ‘invest first, learn later’ phenomenon is leading employ ees to chase risky fads.According to July 2024 study on intraday trading, in financial year 2022-23:7 out of 10:Individual traders in equity cash segment who made net loss57%: The share of loss-making traders’ loss which they paid extra as trading costsAccording to Sebi-Kantar Investor Survey 2025:63%: Indian households who are aware of at least one securities market product9%: Share of informed Indian households who actually invest in a productTransformingworkplace financial wellbeingInstead of undergoing generic financial education sessions once or twice a year, employers need structured and tailored learning.Early in career:Budgeting and emergencyDebt managementEmergency fund buildingMoney management basicsMid-career:Retirement planningFamily cash-flow managementElder care preparationFinancial planning and catchupReducing debtFor advanced investors:Strategic wealth managementCross-border investmentsAsset allocation and portfolio reviewEstate planning
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