{"id":1276,"date":"2023-02-13T15:30:40","date_gmt":"2023-02-13T15:30:40","guid":{"rendered":"https:\/\/www.quillpr.com\/?p=1276"},"modified":"2023-02-13T15:30:42","modified_gmt":"2023-02-13T15:30:42","slug":"time-for-some-investment-in-investing","status":"publish","type":"post","link":"https:\/\/www.quillpr.com\/uncategorised\/time-for-some-investment-in-investing\/","title":{"rendered":"Time for some investment in investing"},"content":{"rendered":"\n

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There are generalisations about women and investing: they are too hesitant, too risk averse, they have too many other calls on their finances, are not paid equally  \u2026 are they generalisations? Excuses? Actualities?<\/p>\n\n\n\n

The Wisdom Council<\/a> which worked with companies such as Scottish Widow, St James\u2019 Place and Vitality to attempt to tackle the gender pensions gap claims Women have simply never considered investing \u2013 even when they are part of a pension scheme, they don\u2019t think of themselves as investors (75% of those polled didn\u2019t know they were investors, even though the recruitment criteria included involvement in a workplace pension). <\/p>\n\n\n\n

While auto enrolment may mean more people have access to pension saving and investments a key part of the advantage is missing if there is no active investment involved \u2013 which it won\u2019t be if these women actually invested in pensions don\u2019t recognise themselves as investors.<\/p>\n\n\n\n

The Wisdom Council\u2019s Yes She Can <\/em>campaign research showed that the average woman\u2019s pension pot is one fifth of the average man\u2019s pension and at current rates, it will take 100 to 250 years to address the gap. Additionally 49% of women had never invested and, of those, 85% didn\u2019t think investing was \u2018for people like them\u2019.<\/p>\n\n\n\n

The statistics run on. According to the Fawcett Society<\/a> women took home on average \u00a3564 less per month than men in 2022 (\u00a3536 in 2021) and possible because of or exacerbated by the cost of living crisis 53% of women would use the additional money to turn on heating and lights more often, and 48% report that their mental health would improve. For many the prospects of improving things are not overwhelmingly positive as 35% of women want to work but are prevented by reasons including a lack of flexible working options and affordable childcare.<\/p>\n\n\n\n

Fidelity<\/a> has for years research and campaigned on women and money. Its most recent research shows that while women are passionate about tackling societal and environmental issues, with 57% wanting to take action against climate change, 40% want to improve poverty and homelessness and 34% would like to influence positive change towards animal welfare, many are unaware of \u2018the positive impact they could have through their pensions and investments, with 68% unfamiliar with Environmental, Social and Governance (ESG) investing. <\/p>\n\n\n\n

This is all somewhat depressing and rather makes us women look a bit silly.<\/p>\n\n\n\n

But not really when one considers Fidelity research into the \u2018gender pay rise gap\u2019, which based on ONS data shows that taking the average salary for a 25 year old women was \u00a325,066 and for men \u00a337,817. Were those salaries to rise by 1% in real terms each year the average pay rise every five years would be \u00a31,284 for women and \u00a32,017 for men. Salaries at retirement would be \u00a349,682 for women and \u00a375,748 for men. The respective pensions at retirement, assuming an 8% salary contribution would be \u00a3276,403 and \u00a3419,006 \u2013 a difference of \u00a3142,603. That\u2019s a lot less available to spend on heating, lighting or childcare, on climate change, improving poverty and homelessness and animal welfare.<\/p>\n\n\n\n

And of course, these issues impact on all of us, on all our worlds, male or female. Which makes us all look a bit silly. And it leaves the investment industry with a job still to do to attract more investors.<\/p>\n\n\n\n

Stephanie Spicer is head of content at Quill PR<\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

There are generalisations about women and investing: they are too hesitant, too risk averse, they have too many other calls on their finances, are not paid equally  \u2026 are they generalisations? Excuses? Actualities? 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