Women and investing
Women are great investors
Yes, you heard us.
We take the appropriate risks and are less likely to invest impulsively. We focus less on short-term gains and more on long-term goals. And we typically outperform men when it comes to investment returns.
The problem is that not enough of us invest, in fact only a quarter of us do.
Let’s break down barriers, shatter stereotypes and start investing. Because we’re great at it.
On this page we explore woman and investing, but it’s not personal advice. If you’re not sure what’s best for you, ask for financial advice. The value of investments can go down as well as up in value, so you could get back less than invested.
Why investing is important for women
We get one step closer to closing the financial gender gaps with every woman that starts investing.
But it’s not just about that. We should live in a society where we’re able to live the life we want, have the power to prioritise what matters to us and the freedom of financial independence.
Investing can help us achieve this. We just need to take the first step.
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An account for every stage of your life
Before you start your investment journey you should consider if you should save or invest. Saving tends to be for the short term, and investing is for the longer term.
Keeping some money aside is a sensible approach – 3-6 months’ worth of essential expenses is about right for most people. Once you have this in place, you can consider investing.
Cash offers you security, but it may get eroded by inflation. Investing helps your money work harder, but you could get back less than you invest.
Once you've decided what's right for you, an ISA could be a good option. An ISA allows you to shelter your money from tax, while helping you achieve your goals.
Just remember, ISA and tax rules can change and benefits depend on individual circumstances. You can withdraw money from a Lifetime ISA to buy your first home, or for later life at age 60. Other withdrawals will usually mean a 25% government charge, so you could get back less than you put in.
Stocks and Shares ISA
A simple way to invest up to £20,000 this tax year free from UK tax.
Lifetime ISA
Save and invest for your first home or later life and get an extra 25% from the government - up to £1,000 a year. Open if you’re 18 – 39.
Cash ISA
If you’re not ready to invest then this ISA allows you to save and not pay income tax on the interest you earn up to £20,000.
Women of the wealth shortlist
Our #FinanciallyFearless ambassador Emma Wall has picked out some female run funds to take a closer look at.
Remember though the ideas are not personal recommendations and if you choose to invest, the value of the investment can fall as well as rise so you could get back less than you put in.
Women of the wealth shortlist
Our #FinanciallyFearless ambassador Emma Wall has picked out some female run funds to take a closer look at.
Remember though the ideas are not personal recommendations and if you choose to invest, the value of the investment can fall as well as rise so you could get back less than you put in.
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