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Empowering Women in Finance
Traditionally, women have been viewed as lagging behind men in financial matters, often perceived as less confident when dealing with money.
The term “girl math” has emerged on social media, describing some irrational justifications behind spending and financial habits.
However, recent data from Revolut reveals a shift, with women increasingly excelling in investment activities.
Women aged 45 to 54 significantly outperformed their male counterparts in terms of investment returns over the past year, as per insights from Revolut’s platform.
This research, coinciding with the lead-up to International Women’s Day (March 8, 2025), also highlights that women aged 25 to 34 and 55 to 64 achieved greater profits compared to the men within those age groups.
Although younger women (ages 18 to 25) earned less than their male peers, they played a pivotal role in increasing the number of trading accounts, according to Revolut.
Overall, the growth in trading accounts for women in 2024 rose by 31% year-on-year, in contrast to a 20% increase for men.
Investment trends in the UK for 2024 have been dominated by technology stocks.
Yana Shkrebenkova, CEO of Wealth and Trading at Revolut UK, remarks, “It’s invigorating yet not surprising to witness women outpacing men in investment returns.”
“Specifically, Gen-Z women are becoming more active in this arena and are keen to enhance their skills, possibly due to improved access to online resources.”
Investment Strategies for Every Woman
Shkrebenkova notes that while men have historically been seen as more confident investors, the data indicates that women are increasingly empowered in trading and wealth management.
“It’s still early, but the evidence suggests men may need to adopt some strategies from women. We anticipate the gender investment gap will continue to close as women embrace their investment capabilities.”
She emphasizes that patience, research, and discipline are essential components of investing.
Here are her tips for women looking to embark on their investment journey:
1. Define Your Purpose
“The hardest step in investing is simply taking that first leap. Many potential investors hesitate to start. Before diving in, clarify your objectives—whether it’s for retirement, purchasing property, or funding a dream holiday. Keep your ‘why’ at the forefront, and remember, investing is a marathon, not a sprint.”
2. Invest Responsibly and Regularly
Ensure you have adequate funds for essential expenses and consider establishing an emergency savings fund. “Only invest what you can comfortably afford—whether it’s just £1 or more—and build from there. Consistent tiny contributions can compound significantly over time, driving long-term growth in portfolios.”
3. Understand the Fundamentals
Avoid reliance on “gurus” advocating unrealistic quick-rich schemes. “Knowing how your investments generate profits is crucial. Knowledge acts as your superpower, and remaining curious leads to better decision-making over time. Consult reputable sources, listen to insightful podcasts, and conduct thorough research on companies.”
4. Diversify and Adapt
The adage “Don’t put all your eggs in one basket” holds true in investing. “Broaden your risk across various sectors, asset classes, and regions to mitigate potential losses. Regularly review and adjust your portfolio to stay aligned with your goals.”
5. Embrace Market Fluctuations with Calm
Emotional responses to market volatility can be challenging. “Market fluctuations are normal, and emotions can influence reactions. Resist the urge to panic during sudden changes; stick to your plan and trust your diversified portfolio.”
6. Stay Cautious of Promises of Easy Riches
Be wary of claims promising extraordinary returns that defy market norms. “Such promises often come with hidden fees or might even be scams. Always conduct extensive research before investing your hard-earned money.”
For women keen on researching credible firms, the Financial Conduct Authority (FCA) maintains a “warning list” on their website and offers a firm checker. This tool helps evaluate whether a financial services provider is authorized by the regulator and confirms if they have permission to deliver the desired services.
