For decades, research has shown that women follow a different approach from men in investment. They are more conservative in taking risks, less inclined to invest in high -fluctuating assets, and they tend to give priority to financial security rather than rapidly high returns.
Dr. Odiri Eugenie, General Manager of United Capital Asset Management, confirms that this behavior is not necessarily due to biological reasons, but rather to psychological and behavioral factors that are explained by the planned behavior theory.
First: The position on risk … confidence in exchange for caution
According to Forsa, “attitudes” in the theory indicate an evaluation of a positive or negative individual of a specific behavior, such as investing in high -risk assets. Dr. Eugenie explains that men tend to connect the risk to high returns, while women tend to be financially cautious, the preferences to maintain wealth to seek to increase it quickly.
This reflects a difference in the mental perception of risk more than the ability to invest.
Second: The impact of social standards .. Who encourages investment?
Eugenie highlights that investment has always been a domain dominated by men in the media and social and financial practices.
The man is seen as the owner of the financial decision in the family, and this weakens the social motivation of women for strong participation in the financial markets.
Eugenie calls on institutions to break this barrier and reformulate the messages addressed to women to make the investment more comprehensive.
Third: Behavioral control gap … self -confidence
Forbes explains that the concept of “perceived behavioral control” indicates how the individual feels the ability to implement a specific behavior, such as successful investment.
While men express more confidence as a result of their early exposure to financial education, Eugenie notes that women suffer from a “confidence gap” than a knowledge gap. And it confirms that this gap can be overcome through custom guidance and education programs.
Suggested solutions to reduce the gender investment gap
In light of the analysis published on Forbes, Eugenie suggests multiple strategies to treat the gap:
- Drafting the investment narrative
Eugenie stresses that women do not need to become financially adventures, but long -term and low -risk investment models can be provided with their natural preferences, which helps increase their involvement without pressure to change their personality. - Enhancing financial confidence through education and guidance
Eugenie recommends providing practical and practical financial education programs, with a focus on practical training and successful women’s models in the field, to enhance the feeling of efficiency and confidence. - Empowering women through investment societies
Eugenie points to the importance of building societies led by women within the investment world, as these groups allow the exchange of experiences and lessons and the provision of an encouraging environment that encourages active participation and reduces the feeling of isolation.
At the conclusion of its article on Forbes, Eugenie asserts that women are not less efficient than men in investment, but are affected by social and psychological factors that do not reduce their capabilities.
“Financial empowerment begins with awareness, and success is achieved when the structure changes, not individuals.”
By understanding these factors and working to address them, financial institutions can bridge the gender investment gap and create a more just and sustainable environment.
