MS. SMITH: No, thank you. And thank you to this panel, thank you to all of you. Thank you to all of our panelists and our amazing speakers. I'm inspired. I'm inspired by everyone, and I wrote down a few things. I mean hammocks, the 5,000 Lowe's hammocks, or the bank in Ethiopia, the small loan is 1.8 million. I mean I think we've got some things we can learn here. I mean the dinner kit to the, sold already and now online catering. I mean the stories are amazing. So, Alyse, thank you for the partnership for the last five years, and thank you to all of our mentees and mentors for being here. we're so excited to be able to do the program in the United States, in our corporate headquarters, which is fantastic. And as Margaret reminded me I'm the only thing standing between all of you and the reception. So, my last comment though is please come to the reception because our mentees will have wears from their businesses, and they'll be able to talk to you about all of the things that they're doing. So--

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Whether your funds come from family, student loans, scholarships or your own wallet, you’ll need to budget for expenses like textbooks, housing and, yes, a social life. Knowing who’s footing the bill, what costs to expect and which ones you can live without — ideally before school starts — can reduce stress and help you form healthy financial habits for the future.

My role involves providing pricing updates, writing market reports, assisting with the execution of transactions and some direct work with clients. It's a busy and demanding environment and I get asked to do plenty of different things during the day. My job involves a lot of multi-tasking, but I have to pay close attention to detail and be able to prioritise urgent requests.
BOSTON — When it comes to saving and investing one's hard earned money, who has greater overall success: men or women? If your immediate reaction was "men," then a new study from Fidelity Investments® may come as something of a surprise—and you wouldn't be alone. In fact, when asked who they believed made the better investor this past year, a mere nine percent of women thought they would outperform men1. And yet, a growing body of evidence, including an analysis of more than eight million clients from Fidelity2, shows that women actually tend to outperform men when it comes to generating a return on their investments.

Before she invests in a stock, Persaud asks a series of questions: Is the company well established, and does it have clear competitive advantages? Is it profitable and capable of generating enough cash to pay a healthy dividend? Can you buy the shares for a reasonable price? Affirmative answers to all of those questions are likely to result in investments that provide competitive returns with a minimum of volatility.
Wells Fargo Advisors is registered with the U.S. Securities and Exchange Commission and the Financial Industry Regulatory Authority but is not licensed or registered with any financial services regulatory authority outside of the U.S. Non-U.S. residents who maintain U.S.-based financial services accounts with Wells Fargo Advisors may not be afforded certain protections conferred by legislation and regulations in their country of residence in respect to any investments, investment transactions, or communications made with Wells Fargo Advisors.
If you’re looking for a way to automate your own investment strategy or want to start investing on a small-scale without using a broker or firm, an investment app might be the right platform for you. If you type in “investment apps” in the app store search tool, hundreds of options will pull up, but not all will help you grow your savings to hit a solid return.

This is a very valid concern. Yes, we are expected to stay as late as the males. I work in SF, and we are told to take taxis home, which can still be dangerous late at night. The world is a much more threatening place for women than men. All I can tell you is to be aware of what is going on during the ride. Also, I usually text the cab's license number to my parents and boyfriend and talk to someone over the phone for however long I am in the cab.
One female VP in the investment banking division of a European bank, said that as male colleagues start families, they feel comfortable leveraging their new status to take additional time off, leaving her more overworked than before. "I'm being asked to cover for male bankers who are telling me they can't take on projects because of their families. I would like a family too, but the stress and overwork from compensating for colleagues' family time is killing my hormones."
As we say in my country "you weren't crying when you were eating the meatballs". Why is she bringing it up now and not when it actually happened? Because it's a convenient time to come out of the woodwork and get some publicity and possibly financial rewards. Welcome to the pussification of the Western world. Being a professional victim is becoming more and more widespread.
The lack of confidence carries a big cost. For instance, more young women than young men defer retirement planning in their 20s, according to the Employee Benefits Research Institute. They take Social Security early, cutting their lifetime benefits. And financial advisors have long noted that wives often defer to their husbands, even though research shows that generally speaking, women are better investors than men.

Advice does not take into account your personal needs and financial circumstances. Please consider if it is appropriate for you and read the terms and conditions, Product Disclosure Statement and Financial Services Guide before acquiring any product. Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.

Focusing on the goal is smart because it forces you to consider your personal needs rather than some arbitrary measure of success. “It’s not that women aren’t concerned about getting a great return,” says Zaneilia Harris, a certified financial planner and president of Harris & Harris Wealth Management, in Upper Marlboro, Md. “But they don’t care what their friends are doing; it’s all about their individual goals.”
My role involves providing pricing updates, writing market reports, assisting with the execution of transactions and some direct work with clients. It's a busy and demanding environment and I get asked to do plenty of different things during the day. My job involves a lot of multi-tasking, but I have to pay close attention to detail and be able to prioritise urgent requests.
Take, she said, a feature like tax-loss harvesting, a feature that involves selling losing investments so that investors can write off the loss on their taxes. It has become a standard on some new online investment platforms. "It's very in the weeds and technical," she said. "I have been in the industry for [a long time]. ... I've never had a woman ask me about tax-loss harvesting."
anyone who has reached adulthood should have been made fully aware that sexism exists. to deny that is naive at best. however, that is not my thesis here that that is a digress to assert some basic common sense. in other words, despite this and that, what should be done, i want to get more color on the culture in IB community. an adult outside that community does not necessarily know! therefore i ask! in fact, one post suggested that it is actually easier for females now to get into IB. IMAGINE MY CONFUSION!
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So, we decided that we needed something else to really complement what we were doing from generating this stream of income to then educate them in how to improve their living conditions. Especially my hope is that I can change—and I think we are changing—the lives of the next generation that is their children. So, with the foundation we're working, bringing students from universities in the U.S. and Europe to work with these families on literacy, on preventive health. We run a mentorship program as well—that's my way of paying back what I'm receiving here this week—where we motivate these teenagers to study an undergrad degree, to understand importance of education, to lift them out of poverty and generate opportunities not only for themselves but for their communities.
MS. ALYSE NELSON: Well hello everyone, I'm Elise Nelson. I'm President and CEO of Vital Voices. Let me just first say how exciting it is to be here at the mothership of Bank of America. I heard it actually called that. Vital Voices, as you know, launched in partnership with Bank of America this really innovative partnership five years ago. So, it's quite special to be back here and to see so many people in this room who were really part of making it happen and looking at Zoe and Susan and of course Pam Seagle, and so many others who just made this a reality.

Younger men are far more likely to invest according to their values than their fathers were; 81% of millennial men in Morgan Stanley’s survey were interested in sustainable investing. And though fewer American men than women say they want to invest in companies with diverse leadership, the share is still sizeable, at 42%. If gender-lens investing is truly to take off, it will have to appeal to those who control the bulk of wealth—and that is still men.
In a recent survey by Morgan Stanley 84% of women said they were interested in “sustainable” investing, that is, targeting not just financial returns but social or environmental goals. The figure for men was 67%. Matthew Patsky of Trillium Asset Management, a sustainable-investment firm, estimates that two-thirds of the firm’s direct clients who are investing as individuals are women. Among the couples who are joint clients, investing sustainably has typically been the wife’s idea. Julia Balandina Jaquier, an impact-investment adviser in Zurich, says that though women who inherit wealth are often less confident than men about how to invest it, when it comes to investing with a social impact “women are more often prepared to be the risk-takers and trailblazers.”
It also may make sense to refinance your mortgage, if you can lower the interest rate on your home loan enough for it to be worth the upfront cost and the time suck it can take. Usually it’s only worth exploring if you plan to stay in your house long enough to pay off the fees from the new loan and you can get a rate at least 1% to 2% lower. (Refinancing is something to look into right now, by the way, before interest rates go up again.)

It is a very demanding profession as one needs to devote all her time and attention to work alone leaving less time for family. So when people have kids and don't have someone back at home to rear them, it becomes a source of constant guilt and grief for everyone in the system. It becomes extremely competitive and political at the senior management levels as only a few people can be accommodated at that level. If one is not able to give her 100% to work for whatever reasons, it becomes difficult to compete. It finally boils to the candidate's personal rapport with the top management and conscious gender sensitivity on the part of the organisation to get over this hurdle. Most firms are found wanting on this factor though in recent times at least the established ones with a large work force are trying to be conscious about it.


MS. TURLINGTON BURNS: Sure. So, I have a thirteen-and-a-half-year-old daughter, and that was the baby that you saw in the video. When I delivered her, actually after I delivered her, I experienced a post-partum hemorrhage. I had a perfectly healthy pregnancy, and there was absolutely no indication during my pregnancy that I would have a complication like that. But luckily, I was in a birthing center within a hospital in New York City, and a team of providers that worked seamlessly together to make sure that my complication was managed and I was fine, and my daughter was fine. However, in the weeks after this experience I learned that globally in 2003, the global estimates for a pregnancy and childbirth-related complications and deaths were beyond half-a-million. And that just really struck me, like, "Why do I not know this? I can't believe I went into this experience not knowing this." And I felt like I had to learn more about why this was happening. And I learned that most of these deaths are preventable. Which beg the question, "Well why if we know how to save these lives, are we allowing these lives to be lost?" Which continues to be a goal in uncovering, you know, in many, many countries, including this one, why are we allowing women to die when we know how to make sure that they don't? 

MS. TURLINGTON BURNS: Gosh, so many ways. We are pretty small. We're a 12-person organization. I think we struggle with anything that any small business would struggle with, just growing and trying to do what we do well, not waste resources, make sure that our people are taken care of and people feel, you know, like motivated and looked after to do their job to the best of their ability. We look for, you know, volunteers in different ways. Our organization was essentially all volunteers before they came on full time. And so, I don't know if we can continue to take on volunteers and make them part of the staff, but it's a really important thing to be able to have an open door for people who have time or who have skills to offer, and you know, we've had pro bono legal advice, we've had graphic designers and artists and different people come in and say I can do this, I can't do that but I can do this. And so, we want to have that relationship where nothing is, nothing is overlooked, nothing is less important than writing a check, although that's always welcome. It's Mother's Day and that's a big opportunity for us to campaign around maternal health. We have, you know, partners, like product partnerships where we have lots of really lovely things that are all kind of, you know, a play on classic Mother's Day gifts, but we have great partnerships with mother-owned, female-led businesses where they're creating products that then, you know, people can buy and they can celebrate their mother, but they can also help save a life of someone else at the same time. So, those kinds of things are also great ways to participate.
It is definitely doable. I am acquainted with one female at Barclays(some of you might know who I'm talking about) who has managed to wield a massive amount of influence over the company as an associate to where she is more or less a gatekeeper for MBA recruiting. She's very direct, very professional, and very people smart...and she didn't get to where she is by trying to by imitating someone else. She crafted and managed her own unique brand.
Life expectancy is one of the many unpredictable variables at play. My mother-in-law just turned 100 – amazing! She never expected to live that long, and even if she did, how could she or anyone else effectively plan for the income needed to last all of those years? Meanwhile, my husband's sister passed away unexpectedly in her early 60s – a reminder that trying to anticipate our own mortality based on that of our immediate family members is pretty much futile.

Top priorities of retirees also seem to differ from those of non-retirees. The retirees’ top priorities include maintaining their standard of living (29 percent), followed by spending time with loved ones (27 percent) and maintaining their health (23 percent). Despite that nearly one in five non-retirees hope to make traveling the world their top retirement priority, only 5 percent of retirees have prioritized traveling.
In recent weeks, Knowledge@Wharton High School began noticing young women on the Wharton campus in Philadelphia, Pa., U.S., who were wearing hats and carrying bags inscribed with three simple words: Girls Who Invest. Since we happen to know lots of girls with this interest – thousands from around the world have participated in our annual KWHS Investment Competition for high school students – we decided to look further into this intriguing GWI sorority. Who were they? Why were they here? And were they truly stock market devotees?

Information provided in the podcast is general in nature, is for informational purposes only, and should not be construed as investment advice. The views and opinions provided are those of the individual noted herein, are as of the date first published, and do not necessarily represent the views of Fidelity Investments. Any such views are subject to change at any time based on market or other conditions. Fidelity Investments disclaims any liability for any direct or incidental loss incurred by applying any of the information in this podcast. As with all your investments through Fidelity, you must make your own determination whether an investment in any particular security or securities is consistent with your investment objectives, risk tolerance, financial situation, and evaluation of the security. Fidelity is not recommending or endorsing these investments by making them available to its customers. Consult your tax or financial advisor for information concerning your specific situation.
Making investing a habit—a bit out of every paycheck—is also smart and may be a means of further reducing risk. That’s because sometimes you may be “buying high,” and sometimes you may be “buying low.” But over time, these may even out…and reduce the time it can take for your portfolio to recover from any market downturn (since during the stock plunge, you’ll be “buying low”).
2. In a team work, Woman are are worst performer, They are very good pal , sharing tiffin in canteen , going market along , but in case of official hiererchy, woman always want a man boss. I dont know what is the philosophy, but i seen, I felt- so I am writing. decision is in your hands. The result suffers due to poor co operation between the woman , and ultimately they blame to Glass Ceiling - that is not true.
Before she invests in a stock, Persaud asks a series of questions: Is the company well established, and does it have clear competitive advantages? Is it profitable and capable of generating enough cash to pay a healthy dividend? Can you buy the shares for a reasonable price? Affirmative answers to all of those questions are likely to result in investments that provide competitive returns with a minimum of volatility.
MS. SPELLINGS: You know, I would certainly not want to say something un-PC about men, but my observation is that I think we are. I think that's why you see women show up to say, "Put me in coach," or "I'm going to lead an effort on maternal health. I'm going to run for the school board, I'm going to be the president of a university, or the mayor of Charlotte," or whatever it is. And I do think we're motivated by that, often at some sacrifice.
MS. SPELLINGS: I think if there's, if there's an age difference it's often the younger, the mentee helps keep the mentor real and relevant and current, which is a huge gift for those troglodytes in the audience. And I think it helps challenge your assumptions often. It allows you, as Christy mentioned, to continue to challenge yourself about the why, that you're not just so engrained in your initial vision that you forget to step back. We used to say in one of the programs I was involved in are you working in your business or on your business? And I think it lets the mentor work on your business and not in your business.
This problem may also result from a reluctance to talk about money. Women talk about marriage, kids, college, politics, religion, shopping and sex, but money matters tend to be taboo. “Men have no trouble talking about money, but it’s the one thing that women are hesitant to discuss,” says Zaneilia Harris, a certified financial planner and author of the book Finance ’n Stilettos. “If you won’t initiate that conversation, you’re hurting yourself. Sharing stories about money is a great way to learn.”
It is definitely doable. I am acquainted with one female at Barclays(some of you might know who I'm talking about) who has managed to wield a massive amount of influence over the company as an associate to where she is more or less a gatekeeper for MBA recruiting. She's very direct, very professional, and very people smart...and she didn't get to where she is by trying to by imitating someone else. She crafted and managed her own unique brand.
“Today’s retirees tell us they are experiencing a very different retirement than non-retirees are envisioning,” said Levine. “With continuing savings challenges and potential economic uncertainties ahead, non-retirees should have a plan in place and regularly revisit it to make sure it still aligns with what’s most important to them for their retirement years.”
MS. VERVEER: As is always the case. We have such little time left, but there are so many exceptional women in this room who have been ambassadors, mentors for other exceptional women, many from other parts of the world who are the mentees in various areas. We touched very briefly on mentorship. You also mentioned sponsorship. But I've always noticed that when one comes into these arrangements of the mentee and the mentor each benefit--

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While anyone can attend the pitch competitions, only women of color can do the pitching. Bell is proud, she says, of “the women we serve and their reaction to the space created for them.” She is also proud of the success many of the entrepreneurs have found after working with BGV. Founders who have participated in pitch competitions have gone on to be accepted into accelerators, receive fellowships, and raise more capital from other resources.
MS. TURLINGTON BURNS: Sure. So, I have a thirteen-and-a-half-year-old daughter, and that was the baby that you saw in the video. When I delivered her, actually after I delivered her, I experienced a post-partum hemorrhage. I had a perfectly healthy pregnancy, and there was absolutely no indication during my pregnancy that I would have a complication like that. But luckily, I was in a birthing center within a hospital in New York City, and a team of providers that worked seamlessly together to make sure that my complication was managed and I was fine, and my daughter was fine. However, in the weeks after this experience I learned that globally in 2003, the global estimates for a pregnancy and childbirth-related complications and deaths were beyond half-a-million. And that just really struck me, like, "Why do I not know this? I can't believe I went into this experience not knowing this." And I felt like I had to learn more about why this was happening. And I learned that most of these deaths are preventable. Which beg the question, "Well why if we know how to save these lives, are we allowing these lives to be lost?" Which continues to be a goal in uncovering, you know, in many, many countries, including this one, why are we allowing women to die when we know how to make sure that they don't? 

3. Create an investment plan. Once you have set your goals, you need to create a solid investment plan. First, determine how much money you have to invest, and start thinking about how to make your money work for you to achieve your financial goals. Rather than a set of rules, an investment plan provides guidelines that can help you organize and direct your energies. Financial plans should have continuity and a solid foundation, but at the same time be adaptable to changes that invariably happen in life. For more on financial planning, read Developing a Personal Financial Plan.
According to a recent article on The Muse, “Those who took meaningful steps to achieve their resolutions—setting step-by-step goals or telling their friends and family, for example—were far more likely to achieve their desires than those who made no specific commitments… So if you really want to see results this year, it’s critical that you set your goals with sincerity, and set yourself up for success.”
So, one key partner that we do have here today is Lenwood Long, who is the Executive Director of Carolina Small Business Loan Fund. And I do want to recognize Lenwood. He's a participant in the Tory Burch Foundation Capital Program, which helps to fund affordable loans to women through community lending and through community lenders. So, Lenwood please stand up and let's all thank him. [Applause] I look forward to continuing to make sure that we're investing in women right here in North Carolina, so thank you.

In a recent survey by Morgan Stanley 84% of women said they were interested in “sustainable” investing, that is, targeting not just financial returns but social or environmental goals. The figure for men was 67%. Matthew Patsky of Trillium Asset Management, a sustainable-investment firm, estimates that two-thirds of the firm’s direct clients who are investing as individuals are women. Among the couples who are joint clients, investing sustainably has typically been the wife’s idea. Julia Balandina Jaquier, an impact-investment adviser in Zurich, says that though women who inherit wealth are often less confident than men about how to invest it, when it comes to investing with a social impact “women are more often prepared to be the risk-takers and trailblazers.”
Every investor makes mistakes. Sometimes it is an error of commission: You buy a real stinker. Sometimes it is an error of omission: You hang onto a loser, or a winner, for too long. But knowing what and when to sell is at least as important as knowing what to buy. “You have to know when to pull the plug,” says Sarah Ketterer, chief executive of Causeway Capital Management and the longtime comanager of her firm’s flagship fund, Causeway International Value (CIVVX).
October 14, 2018, JAKARTA –  An important editorial on widening women’s access to financial services by Taimur Baig, Chief Economist of DBS Bank and member of Women’s World Banking’s Southeast Advisory Council, has been published in a special IMF edition of The Jakarta Post. The 2016 Financial Inclusion Survey, carried out by the Financial Service […]

Here, we have a ways to go. Maybe you’ve heard of the gender pay gap. Frustrating, right? And costly. But there are more gaps at play: Women pay more for the debt they carry than men, and they don’t invest as much as men do. As a result, women retire with two-thirds the money of men…even though we tend to live years longer. Don’t believe me? Check the gender mix at your local nursing home: 80% of women die single, and they’re also 80% more likely to be impoverished in retirement than men. Yuck.

Powered by Intuit Inc., the company that provides business and financial services for small businesses, freelancers and accounting professionals, this critically acclaimed financial planning app is an all in one. Featuring the basic financial necessities like tracking your spending, creating practical monthly budgets and checking your budgets from previous months, you can check your spending habits as well under the ‘trends’ section. They also provide a desktop feature, so you can manage your account on your computer.
By contrast, wealth management was long in the shadows – and women quickly made inroads. After all, women frequently control the household purse strings in Asia. Strong ties between generations as well as reliable access to childcare have made it easier for Asia's women to re-enter the workforce after starting a family than for their U.S. and European counterparts.
2. In a team work, Woman are are worst performer, They are very good pal , sharing tiffin in canteen , going market along , but in case of official hiererchy, woman always want a man boss. I dont know what is the philosophy, but i seen, I felt- so I am writing. decision is in your hands. The result suffers due to poor co operation between the woman , and ultimately they blame to Glass Ceiling - that is not true. 

MS. SMITH: No, thank you. And thank you to this panel, thank you to all of you. Thank you to all of our panelists and our amazing speakers. I'm inspired. I'm inspired by everyone, and I wrote down a few things. I mean hammocks, the 5,000 Lowe's hammocks, or the bank in Ethiopia, the small loan is 1.8 million. I mean I think we've got some things we can learn here. I mean the dinner kit to the, sold already and now online catering. I mean the stories are amazing. So, Alyse, thank you for the partnership for the last five years, and thank you to all of our mentees and mentors for being here. we're so excited to be able to do the program in the United States, in our corporate headquarters, which is fantastic. And as Margaret reminded me I'm the only thing standing between all of you and the reception. So, my last comment though is please come to the reception because our mentees will have wears from their businesses, and they'll be able to talk to you about all of the things that they're doing. So--

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