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Recent research indicates that women are surpassing men in investment returns.
Despite lingering stereotypes of female financial vulnerability, a new study by Revolut reveals a different narrative that contradicts these assumptions.
Data analysis from Revolut, presented ahead of International Women’s Day 2025, shows that women across various age groups have achieved greater investment profits compared to their male counterparts over the past year.
In particular, women aged 45 to 54 have excelled, noting significantly higher returns than men in the same category.
Additionally, women between 25 to 34 and 55 to 64 have also outperformed their male peers.
These findings indicate a rising trend of women taking control of their financial destinies and achieving commendable success in the investment field.
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While younger women aged 18 to 25 have reported lower profits compared to their male peers, this demographic has shown notable activity in increasing the number of investment accounts, as noted by Revolut.
Overall, the number of trading accounts opened by women in 2024 surged by 31% year-on-year, in contrast to an increase of 20% among men, based on Revolut’s findings.
The data reveals that technology stocks were the most popular investment choice among UK customers in 2024.
Yana Shkrebenkova, CEO of wealth and trading at Revolut UK, commented: “It’s a breath of fresh air, though not surprising, to observe women outpacing men in investment performance.
“Particularly, Gen-Z women are becoming increasingly proactive in this domain and are taking steps to enhance their skills and bridge the investment gap—likely due to improved access to online resources.”
She further stated: “Traditionally, men have been perceived as more confident investors, but our data indicates that women are gaining the empowerment to confidently engage in trading and wealth management.
“It’s early days, but the data suggests that men might benefit from learning from women’s approaches. We anticipate that the gender investment gap will continue to diminish as women feel more empowered to leverage their investment capabilities.”
It is essential to remember that investment values can fluctuate, and investors may recover less than their initial capital.
Shkrebenkova emphasizes that investing requires patience, research, and discipline.
Even for those starting small, UK investors should adhere to a long-term strategy to build a resilient portfolio.
1. Define Your ‘Why’
Shkrebenkova notes: “The hardest part of investing is simply getting started. Many potential investors never take the plunge. Before you begin, clarify your objectives—whether it’s retirement, a new home, or a dream vacation. Always remember your ‘why?’ and understand that investing is a long-term commitment.”
2. Invest Responsibly and Regularly
It’s crucial to ensure you have enough funds to cover your essential expenses. Building an emergency savings fund for unforeseen bills is also a wise strategy.
Shkrebenkova advises: “Invest only what you can afford—starting even with just £1—and gradually increase your contributions. Consistent, albeit modest, contributions can yield significant results over time—compounding is what drives true long-term growth.”
Compound interest is basically earning interest on both your initial investment and the interest accrued, akin to rolling a snowball which gathers more snow as it rolls.
3. Understand the Basics
Shkrebenkova warns against solely following “gurus” promoting “get rich quick” schemes.
It’s critical to grasp how your investments yield returns. She emphasizes: “Knowledge is empowering; staying curious leads to better decisions over time. Rely on reputable sources, engaging podcasts, and thorough research of companies.”
4. Embrace Diversification and Adaptability
Shkrebenkova reiterates: “The adage ‘Don’t put all your eggs in one basket’ remains relevant.
“Diversify across different sectors, asset classes, and regions to safeguard against market fluctuations. Regularly review and adjust your portfolio to stay aligned with your objectives.”
5. Acknowledge Market Volatility and Manage Emotions
Staying disciplined and avoiding impulsive reactions to market changes is a considerable challenge, according to Shkrebenkova.
“Volatility is natural, and emotions are too. Sharp declines or spikes can provoke hasty decisions. Resist the urge to react emotionally and trust your diversified strategy.”
6. Be Cautious of Too-Good-To-Be-True Offers
Claims of “guaranteed” extraordinary returns that exceed typical industry benchmarks should raise alarms.
“These schemes often conceal steep fees or could be outright scams,” warns Shkrebenkova.
“Always conduct comprehensive research before investing your money.”
Those looking to vet a firm may want to remember that the Financial Conduct Authority (FCA) offers a “warning list” on its website.
Additionally, it features a firm checker that helps individuals verify whether a financial service provider is authorized by the regulator and possesses the FCA’s permission to offer the services they seek.
