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ShortchangedWhy Women Have Less Wealth and What Can Be Done About It$
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Mariko Lin Chang

Print publication date: 2010

Print ISBN-13: 9780195367690

Published to Oxford Scholarship Online: September 2012

DOI: 10.1093/acprof:oso/9780195367690.001.0001

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Saving and Investing

Saving and Investing

Do Men and Women Do It Differently?

Chapter:
(p.75) Five Saving and Investing
Source:
Shortchanged
Author(s):

Mariko Lin Chang

Publisher:
Oxford University Press
DOI:10.1093/acprof:oso/9780195367690.003.0005

This chapter examines the extent to which the women's wealth gap is exacerbated or mitigated by the ways that men and women save and invest their money. When it comes to saving and investing, women and men do have different portfolios. Women are less likely to own assets that are considered more financially risky but that also have the highest average rates of return over time: stocks, investment real estate, and business assets. Women are often caught in a financial Catch-22: their lower disposable incomes put them at a disadvantage for building savings, and their lack of a financial safety net means that their smaller nest eggs are subject to depletion in crisis situations. Because of these two factors, they cannot afford the risk and the long time horizon necessary to secure higher rates of return on investments.

Keywords:   women's wealth gap, investment returns, business assets, financial risk, financial Catch-22, financial safety net

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