For many years, investing was a boys’ club, as women were considered more risk-averse and the financial services industry gender-biased.
However, it is gradually becoming a level playing field, as women are relying less on others to manage their money and increasingly taking control of their finances to build long-term wealth and financial independence through investment.
UAE-based Danielle Lecomber, from the UK, who is in her mid-30s, says her investment portfolio is a blend of stocks, fixed interest, bonds, property and alternative assets such as derivatives.
She attributes her financial savviness to her mother, who was very good with money and taught her the importance of saving and the need to be financially independent from a young age. Ms Lecomber recalls saving to buy her first property in her 20s.
“I knew at that point in time that I would be able to achieve better returns by investing in stocks and shares versus cash, for example, over the longer term,” says Ms Lecomber, who is the founding partner and chartered financial planner at wealth management company St James's Place.
“My stock portfolio is a blend of active and passive funds, rather than individual stocks. I have bought individual stocks before but as a woman I'm very comfortable with high-risk investments. I prefer to stick to multi-asset funds or exchange-traded funds.”
Women have never been wealthier, on average, than today. An estimated 32 per cent of the global private wealth was in the hands of women in 2020, a BCG report found in 2021.
There are 344 female billionaires in the world, controlling $1.7 trillion, with their assets growing faster than those of their male counterparts, last year's UBS Global Wealth Report found.
Longer life expectancy and meaningful strides in financial inclusion mean female wealth in general is set to continue to grow, UBS said in its more recent Gender-lens investment report.
Increased access to financial education through books that speak to women, online courses and an increasing availability of female-focused resources are driving the rise in new investors, says Carol Glynn, founder of Conscious Finance Coaching.
Purpose behind investment
Women are motivated by having a purpose for investment, beyond it simply being a sensible thing to do or a wealth builder, explains Ms Glynn. For example, they look at aspects such as whether it is for financial freedom, their children’s education, or to build a house.
Ms Lecomber agrees, saying women tend to attach a goal to their investment objectives and are more cautious.
“We are driven by the psychology of investing, whereas men tend to automate things and can detach themselves from their income,” she says.
Women also tend to hold a higher level of cash in their emergency fund, according to Ms Lecomber, who cites how she always holds a far higher reserve fund than her husband.
Are women risk-averse?
Vaishali Kuletha, 38, an Indian expat in Dubai, does not shy away from taking risks in investing. Her portfolio includes stocks and index funds in the US, properties in India, the US and Dubai, and businesses in the UAE. She and her husband recently acquired a recruitment company and a 17-year-old day care complex in Dubai.
“Business investments are far more lucrative from a cash-flow perspective than investing in stocks and property, so my goal is to acquire and grow multiple small businesses,” she says.
“But I ask for a company’s financial statements for the past 12 months before acquiring it. I also rope in my legal team to check whether the company is legitimate.”
She also recommends female investors keep updated on market news before investing in stocks.
Busting the myth about women being risk-averse, Ms Glynn clarifies that female investors are instead “risk-aware” and “risk-conscious”. They want to fully understand what they are investing in before committing, which is a strength.
They often still take the same risks as men but in an informed decision rather than a reactionary one, she says.
“Once confident, women are just as capable of taking calculated risks as men. The difference isn’t necessarily risk, it’s the mindset behind the investment,” she says.
“Women tend to seek security through investing, while men tend to seek wealth through investing. While they are both seeking to grow their money, the motivation and mindset is often very different, which then impacts our differing approaches and investing behaviour.”
However, Alison Soltani, founder of Leap Savvy Savers, believes the tendency for female investors to be risk-averse could stem from a lack of confidence or education in investing. Women tend to manage the household finances, so perhaps they focus on the saving and budgeting side, rather than investing and building wealth, she suggests.
Attitude to risk depends on a number of factors, including personal preference, timelines, societal and familial influence, and individual financial circumstances, Ms Soltani explains.
Where do women invest?
Many women favour low-risk investment vehicles such as bonds and property, Ms Soltani says.
Ms Glynn says women she works with are mostly interested in ETFs, real estate and, increasingly, Sharia-compliant or value-based investments, as well as digital assets.
Women have a preference for real estate or ETFs as they are easy to understand and feel safer than other options
Carol Glynn,
founder, Conscious Finance Coaching
“Usually they have a preference for real estate or ETFs, as they are easy to understand and feel safer than other options. These options offer the risk level, transparency and security many women seek when first investing. ETFs are popular as the entry point, costs and risks are lower than most other options,” she says.
Women gravitate to investments they can fully understand, are low-maintenance and offer long-term stability over quick wins, she adds.
Is industry inclusivity rising?
Although much is being done to address barriers in the financial advisory industry, they still exist, Ms Soltani believes.
Implicit bias and discrimination could lead to women not being offered the same opportunities, either when investing or in employment.
“Although female role models in the personal finance world are starting to emerge, there aren't as many female voices as there are male,” Ms Soltani adds. "Female role models are crucial so that women have access to information, education and investment opportunities."
Ms Lecomber calls investing “a taboo subject” and urges more female investors to talk about their experiences and strategies to help inspire others.
“A key barrier to investing is that many women still feel judged or dismissed when asking questions,” Ms Glynn points out.
“Creating safe, shame-free spaces is vital, where the educators and service providers are willing to answer questions and explain all aspects of the investment instead of just focusing on the potential returns.”
Many women are alienated by technical jargon and masculine branding. Shifting to values-driven and emotionally intelligent language would create a more welcoming environment, Ms Glynn says.
She also calls for greater representation of women in advisory roles and financial education that reflects women’s “lived experiences”, such as career breaks, caregiving, unequal pay and longer life expectancy.
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Company profile
Name: Oulo.com
Founder: Kamal Nazha
Based: Dubai
Founded: 2020
Number of employees: 5
Sector: Technology
Funding: $450,000
Killing of Qassem Suleimani
Company%20profile
%3Cp%3E%3Cstrong%3ECompany%3A%20%3C%2Fstrong%3ESplintr%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarted%3A%20%3C%2Fstrong%3EMay%202019%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFounders%3A%20%3C%2Fstrong%3EMohammad%20AlMheiri%20and%20Badr%20AlBadr%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EDubai%20and%20Riyadh%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ESector%3A%20%3C%2Fstrong%3Epayments%20%2F%20FinTech%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ESize%3A%20%3C%2Fstrong%3E10%20employees%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EInitial%20investment%3A%20%3C%2Fstrong%3Eundisclosed%20seven-figure%20sum%20%2F%20pre-seed%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStage%3A%20%3C%2Fstrong%3Eseed%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EInvestors%3A%20%3C%2Fstrong%3Eangel%20investors%3C%2Fp%3E%0A
Analysis
Maros Sefcovic is juggling multiple international trade agreement files, but his message was clear when he spoke to The National on Wednesday.
The EU-UAE bilateral trade deal will be finalised soon, he said. It is in everyone’s interests to do so. Both sides want to move quickly and are in alignment. He said the UAE is a very important partner for the EU. It’s full speed ahead - and with some lofty ambitions - on the road to a free trade agreement.
We also talked about US-EU tariffs. He answered that both sides need to talk more and more often, but he is prepared to defend Europe's position and said diplomacy should be a guiding principle through the current moment.
Zayed Sustainability Prize
Specs
Engine: 51.5kW electric motor
Range: 400km
Power: 134bhp
Torque: 175Nm
Price: From Dh98,800
Available: Now
The%20US%20Congress%2C%20explained
%3Cp%3E-%20US%20Congress%20is%20divided%20into%20two%20chambers%3A%20the%20House%20of%20Representatives%20and%20Senate%3C%2Fp%3E%0A%3Cp%3E-%20435%20members%20make%20up%20the%20House%2C%20and%20100%20in%20the%20Senate%3C%2Fp%3E%0A%3Cp%3E-%20A%20party%20needs%20control%20of%20218%20seats%20to%20have%20a%20majority%20in%20the%20House%3C%2Fp%3E%0A%3Cp%3E-%20In%20the%20Senate%2C%20a%20party%20needs%20to%20hold%2051%20seats%20for%20control%3C%2Fp%3E%0A%3Cp%3E-%20In%20the%20event%20of%20a%2050-50%20split%2C%20the%20vice%20president's%20party%20retains%20power%20in%20the%20Senate%3C%2Fp%3E%0A
Killing of Qassem Suleimani
Killing of Qassem Suleimani
More from Neighbourhood Watch
Try out the test yourself
Q1 Suppose you had $100 in a savings account and the interest rate was 2 per cent per year. After five years, how much do you think you would have in the account if you left the money to grow?
a) More than $102
b) Exactly $102
c) Less than $102
d) Do not know
e) Refuse to answer
Q2 Imagine that the interest rate on your savings account was 1 per cent per year and inflation was 2 per cent per year. After one year, how much would you be able to buy with the money in this account?
a) More than today
b) Exactly the same as today
c) Less than today
d) Do not know
e) Refuse to answer
Q4 Do you think that the following statement is true or false? “Buying a single company stock usually provides a safer return than a stock mutual fund.”
a) True
b) False
d) Do not know
e) Refuse to answer
The “Big Three” financial literacy questions were created by Professors Annamaria Lusardi of the George Washington School of Business and Olivia Mitchell, of the Wharton School of the University of Pennsylvania.
Answers: Q1 More than $102 (compound interest). Q2 Less than today (inflation). Q3 False (diversification).
More on Quran memorisation:
Zayed Sustainability Prize
UAE currency: the story behind the money in your pockets
KILLING OF QASSEM SULEIMANI
PROFILE OF SWVL
Started: April 2017
Founders: Mostafa Kandil, Ahmed Sabbah and Mahmoud Nouh
Based: Cairo, Egypt
Sector: transport
Size: 450 employees
Investment: approximately $80 million
Investors include: Dubai’s Beco Capital, US’s Endeavor Catalyst, China’s MSA, Egypt’s Sawari Ventures, Sweden’s Vostok New Ventures, Property Finder CEO Michael Lahyani
The years Ramadan fell in May
MATCH INFO
Kolkata Knight Riders 245/6 (20 ovs)
Kings XI Punjab 214/8 (20 ovs)
Kolkata won by 31 runs
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Killing of Qassem Suleimani
Napoleon
%3Cp%3E%3Cstrong%3EDirector%3C%2Fstrong%3E%3A%20Ridley%20Scott%3Cbr%3E%3Cstrong%3EStars%3C%2Fstrong%3E%3A%20Joaquin%20Phoenix%2C%20Vanessa%20Kirby%2C%20Tahar%20Rahim%3Cbr%3E%3Cstrong%3ERating%3C%2Fstrong%3E%3A%202%2F5%3Cbr%3E%3Cbr%3E%3C%2Fp%3E%0A
Mohammed bin Zayed Majlis
Step by step
2070km to run
38 days
273,600 calories consumed
28kg of fruit
40kg of vegetables
45 pairs of running shoes
1 yoga matt
1 oxygen chamber
About Karol Nawrocki
• Supports military aid for Ukraine, unlike other eurosceptic leaders, but he will oppose its membership in western alliances.
• A nationalist, his campaign slogan was Poland First. "Let's help others, but let's take care of our own citizens first," he said on social media in April.
• Cultivates tough-guy image, posting videos of himself at shooting ranges and in boxing rings.
• Met Donald Trump at the White House and received his backing.
Read more about the coronavirus
if you go
The flights
Etihad, Emirates and Singapore Airlines fly direct from the UAE to Singapore from Dh2,265 return including taxes. The flight takes about 7 hours.
The hotel
Rooms at the M Social Singapore cost from SG $179 (Dh488) per night including taxes.
The tour
Makan Makan Walking group tours costs from SG $90 (Dh245) per person for about three hours. Tailor-made tours can be arranged. For details go to www.woknstroll.com.sg
The burning issue
The internal combustion engine is facing a watershed moment – major manufacturer Volvo is to stop producing petroleum-powered vehicles by 2021 and countries in Europe, including the UK, have vowed to ban their sale before 2040. The National takes a look at the story of one of the most successful technologies of the last 100 years and how it has impacted life in the UAE.
Read part four: an affection for classic cars lives on
Read part three: the age of the electric vehicle begins
Read part one: how cars came to the UAE
Abramovich London
A Kensington Palace Gardens house with 15 bedrooms is valued at more than £150 million.
A three-storey penthouse at Chelsea Waterfront bought for £22 million.
Steel company Evraz drops more than 10 per cent in trading after UK officials said it was potentially supplying the Russian military.
Sale of Chelsea Football Club is now impossible.
KILLING OF QASSEM SULEIMANI
The five pillars of Islam
UAE currency: the story behind the money in your pockets
The specs: 2019 Subaru Forester
Price, base: Dh105,900 (Premium); Dh115,900 (Sport)
Engine: 2.5-litre four-cylinder
Transmission: Continuously variable transmission
Power: 182hp @ 5,800rpm
Torque: 239Nm @ 4,400rpm
Fuel economy, combined: 8.1L / 100km (estimated)
SPEC%20SHEET%3A%20APPLE%20IPHONE%2015%20PRO%20MAX
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Traits of Chinese zodiac animals
Tiger:independent, successful, volatile
Rat:witty, creative, charming
Ox:diligent, perseverent, conservative
Rabbit:gracious, considerate, sensitive
Dragon:prosperous, brave, rash
Snake:calm, thoughtful, stubborn
Horse:faithful, energetic, carefree
Sheep:easy-going, peacemaker, curious
Monkey:family-orientated, clever, playful
Rooster:honest, confident, pompous
Dog:loyal, kind, perfectionist
Boar:loving, tolerant, indulgent
Essentials
The flights
Etihad (etihad.ae) and flydubai (flydubai.com) fly direct to Baku three times a week from Dh1,250 return, including taxes.
The stay
A seven-night “Fundamental Detox” programme at the Chenot Palace (chenotpalace.com/en) costs from €3,000 (Dh13,197) per person, including taxes, accommodation, 3 medical consultations, 2 nutritional consultations, a detox diet, a body composition analysis, a bio-energetic check-up, four Chenot bio-energetic treatments, six Chenot energetic massages, six hydro-aromatherapy treatments, six phyto-mud treatments, six hydro-jet treatments and access to the gym, indoor pool, sauna and steam room. Additional tests and treatments cost extra.
Mohammed bin Zayed Majlis
APPLE IPAD MINI (A17 PRO)
Display: 21cm Liquid Retina Display, 2266 x 1488, 326ppi, 500 nits
Chip: Apple A17 Pro, 6-core CPU, 5-core GPU, 16-core Neural Engine
Storage: 128/256/512GB
Main camera: 12MP wide, f/1.8, digital zoom up to 5x, Smart HDR 4
Front camera: 12MP ultra-wide, f/2.4, Smart HDR 4, full-HD @ 25/30/60fps
Biometrics: Touch ID, Face ID
Colours: Blue, purple, space grey, starlight
In the box: iPad mini, USB-C cable, 20W USB-C power adapter
Price: From Dh2,099
Company Profile
Company name: Big Farm Brothers
Started: September 2020
Founders: Vishal Mahajan and Navneet Kaur
Based: Dubai Investment Park 1
Industry: food and agriculture
Initial investment: $205,000
Current staff: eight to 10
Future plan: to expand to other GCC markets
The five pillars of Islam
1. Fasting
2. Prayer
3. Hajj
4. Shahada
5. Zakat
The specs
Engine: 2.0-litre 4-cylinder turbo
Power: 240hp at 5,500rpm
Torque: 390Nm at 3,000rpm
Transmission: eight-speed auto
Price: from Dh122,745
On sale: now
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The%20specs
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The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now
The years Ramadan fell in May
Director: Romany Saad
Starring: Mirfat Amin, Boumi Fouad and Tariq Al Ibyari
COMPANY%20PROFILE%3A
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OPENING FIXTURES
Saturday September 12
Crystal Palace v Southampton
Fulham v Arsenal
Liverpool v Leeds United
Tottenham v Everton
West Brom v Leicester
West Ham v Newcastle
Monday September 14
Brighton v Chelsea
Sheffield United v Wolves
To be rescheduled
Burnley v Manchester United
Manchester City v Aston Villa
MOUNTAINHEAD REVIEW
Starring: Ramy Youssef, Steve Carell, Jason Schwartzman
Director: Jesse Armstrong
Rating: 3.5/5
Scoreline:
Everton 4
Richarlison 13'), Sigurdsson 28', Digne 56', Walcott 64'
Manchester United 0
Man of the match: Gylfi Sigurdsson (Everton)
Batti Gul Meter Chalu
Producers: KRTI Productions, T-Series
Director: Sree Narayan Singh
Cast: Shahid Kapoor, Shraddha Kapoor, Divyenndu Sharma, Yami Gautam
Rating: 2/5
UAE currency: the story behind the money in your pockets
