Investments

What is the gender investment gap?

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No matter which study you look at, overall, significantly fewer women invest in the stock market compared to men. A mere 20 to 26 percent of women invest. In Switzerland, just 18 percent of women regularly buy stocks.

So why do women invest less?

Women have less means at their disposal. Quite simply due to the fact that they earn less, they have less money to invest. However, they also lack self-confidence.

Harsh jargon and macho behavior.

The financial industry itself is not exactly making it easier for women to invest. Numerous banks and insurance companies do not bother to explain their business in a comprehensible way. Complicated terminology, hard-to-understand technical terms, or three-letter acronyms paint a complex and opaque picture. When people become overwhelmed with navigating this world, they outsource their business to consultants. At a corresponding cost. This particularly discourages women. Many client advisors are not empathetic enough towards women and do not meet them where they are in terms of mentally facing the topic. 85 percent of women do not feel addressed by financial industry content.

A German study further revealed that bank consultants more often recommend low-risk and high-priced in-house funds to women, whereas they are more likely to offer men low-priced products from other providers. In addition, the "Gender fees Gap" plays out: Men are more likely to be offered discounts than women.

As a result, most women ultimately do nothing with their money due to mistrust towards the male-dominated industry or fear in the face of the complexity and the risks they cannot assess.

Women are more successful in the stock market.

And yet women are the better, cooler, and more patient investors. Not only do they weigh the risks better, but they also do more research than men before they invest. The few women who invest are also more successful. Women also invest more sustainably. For instance, 77 percent of women in Switzerland are showing interest in green investments compared to only two-thirds of men.

The ellexx movement wants to change that.
You too? Be part of it!

Investing checklist

Why should I be investing?

You may have noticed that almost all banks charge negative interest rates. In other words, certain banks charge you penalty interests starting with the 1st franc you deposit into an account. This means that you lose money on your account. We are in a phase of low interest rates since the 1990s. Interest rates have been dropping for years. Nearly anything is better than keeping money in a savings account.
However, even bonds or promissory bills to companies hardly yield any interest anymore.
Therefore, there are almost no alternatives to shares. These are company ownership units. Dividends, i.e. payouts from profits, are the new form of interest rates.

But aren't stocks too risky?

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