With the world moving digitally forward in every scenario there is a rational approach required by the investors in this smart era. Digitalization in today's scenario means, moving smartly and governing the sectors through e-governance. By reducing internal complexities of the system and laying down a proper clean free system online, this can smartly work towards the progress of the economy. For an economy to be digitally smart and cashless, it becomes very important for the investors working in that economy to be rational in their approach. So this paper focuses various ways by which an investor can think and adopt various rational approaches for doing savings and investments in the era of digitalization and also studies his behavioural pattern, how his thinking has developed and changed after demonetization and his shift towards digital economy.