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.”
“If you look at China and India, there’s a vast majority of people that are moving from one class to the next class, and that’s happening here in the United States as it relates to minorities as well,” Abercrombie said. “People are investing more; they’re wanting to save more, and they’re wanting to get more involved with financial planning outside of just a general savings account.

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The lesson, says Ramona Persaud, manager of Fidelity Global Equity Income Fund (FGILX), is that it’s important to manage risk and avoid huge losses. If you invest in individual stocks, says Persaud, look for strong companies that are willing and able to pay generous dividends. “Your investment return is a combination of dividends and price appreciation,” she says. “If you have enough dividend yield, it dampens the downside.”
You also need to work harder sometimes in order to get recognition or get same bonuses. It might also be harder for you to find a mentor at workplace, but again you could solve those problems by working hard, finding mentors outside of workplace or developing mentorships slowly at work through developing your own brand and consistently proving that you are reliable.
But it may be more accurate to say that women are more risk-aware and less deluded about their financial competence. A study in 2001 by Brad Barber and Terrance Odean, academics in the field of behavioural finance, showed that women outperformed men in the market by one percentage point a year. The main reason, they argued, was that men were much more likely to be overconfident than women, and hence to carry out unprofitable trades.

“Increasing the percent of women will help teams ensure that they have diversity of thought,” Scott said. “When deciding whether or not to proceed with a particular investment, these teams will be better equipped to think about each opportunity from many different angles. If everyone in the room is the same gender and shares similar educations, backgrounds and life experiences, it can be difficult to fully think through the various opportunities and decisions. Diversified teams leads to enhanced company profitability and better investment performance.”
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While female bankers with husbands and children to support keep quiet for fear of seeming uncommitted to their roles, she said male bankers are more likely to make their familial responsibilities widely known: "I used to work with a man who would shout about how he had four kids at home every year when it came to making redundancies or allocating bonuses."
Being a diverse and inclusive company is essential to our ability to meet the needs of our clients, communities and employees. As a part of this, we empower women to make meaningful contributions within our company and in our communities. We have strong representation of women at all levels and we are focused on attracting, retaining and developing our diverse talent. We also recognize that women play a vital role in driving economic growth, and we have many partnerships to connect women entrepreneurs to mentoring, capital and other tools that will advance their businesses and make significant contributions to our global economy.
Here’s the bottom line—many folks who are unhappy with their work lives or who are just eager for a fresh start or new challenge take the new year as an opportunity to make a change, and it’s a great time to do so! Because so many people are focused on career changes at the beginning of a new year, many companies and industries ramp up their hiring during this time—and those among us who are serious and dedicated can take full advantage of this reality. If this sounds like you, perhaps now is a great time to move forward—but do so wisely and plan accordingly. Good luck and Happy New Year!
MS. TURLINGTON BURNS: Yeah, I mean I feel into my first career. I was very young. I think I started modeling when I was about the age of my daughter now, which is shocking in a different way. But because my mother is from Central America and I spent my early years traveling a lot around the world, but particularly to Central America I just was really aware of disparities. And coming back and forth from communities abroad and then communities back home because there are also populations with a lot of need here in the U.S. And I think as a young person being able to travel a lot and take that information in I think, you know, it's sort of led me on a path of not knowing exactly what but wanting to be a purpose of use. And so, it took time and I wouldn't have thought my career would take me there, but I certainly got to see a lot of the world through that industry in my work as a model. And then, you know, as soon as I was only a model and I wasn't a student and a model I wanted to go back to school. I knew that like okay this is great and I'm getting a lot of freedom and I have a lot of opportunity but I want to go back to school. So, I think I— things didn't really slow down for me in my career but I made a conscious effort to go back to undergrad in my mid-20s.
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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.
Stocks. They represent a part ownership in a company or corporation, also known as business equity. Basically, when a company performs well, the stock tends to increase in value. Stocks tend to be more volatile investments, meaning they can give you a high return on your investment long-term but tend to have larger swings in value in the short-term.

The WIN conference provided us with direct access to the HR representatives and industry leaders from top buy-side companies and a platform to showcase our stock pitch skills and receive constructive feedback. It was well worth spending the two days in Boston to explore opportunities in the investment management industry. You may also be invited to some exclusive networking events from those companies while you were at Boston or after the conference.
There are some interestings measures that were taken by some scientific competitions in Brazil, in order to attract more girls. A nice one that I saw is what the Brazilian Physics Olympiad proposed to do: give graphene rings to the medalist girls. It’s a good incentive, without any facilitation. But sometimes I think that they do it wrongly, by helping to much the girls, like if they were saying “come and participate, it will be easier for you!” and well, I don’t like it. Girls are as capable as boys, they do not need to be assisted, they do not need to have facilitations. Doing this is not correcting the problems, but instead it’s similar to “sweep it to under the rug”. The competitions are supposed to select the best ones and so they must incentivize the women until all of them that they can be the best and stand on the top, and not blind them telling that they reached the top when they did not yet.
These factors, coupled with women’s lower average wages and greater longevity, go a long way toward explaining why men’s poverty rate in retirement is half the poverty rate of women. “My real concern is that the retirement-savings crisis is a gender crisis, and we are not talking about it that way,” says Sallie Krawcheck. “Women can save more and invest more. They have to find a way that works for them and just do it.”
MS. SMITH: That's fantastic. So, last question; so talk, talk to us about what you've learned through your work, building an organization, and what you would pass along to our entrepreneurs that are in here, our mentors from other countries as you met many of them. We've got representation really from around the world. So, what advice would you leave them with?
Since the early 2000s RobecoSAM, a sustainable-investment specialist that assesses thousands of public companies on environmental and social criteria, has included measures of gender equality, such as equitable pay and talent management. After realising that in the decade to 2014 firms that scored well on these measures had better returns than those scoring poorly, it launched a gender-equality fund in 2015. Since then it has outperformed the global large-cap benchmark.
Coming in, I expected that my colleagues would be ultra-Type A, all work/no play, super serious folks given the nature of our work. But I’ve been pleasantly surprised by the great relationships and friendships I’ve developed at work and the camaraderie on our floor. I also expected the job to be extremely difficult in terms of the learning curve and was worried about my ability to handle it. It certainly is challenging, but with the support of my colleagues and mentors, I can really map out how much I’ve grown and learned over the past year. Everyone wants each other to succeed.
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Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently ).  After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.
Don’t attempt to boil the ocean. “The industry has been set up to make investing feel scary,” Katchen says. “The old boys club wants you to believe that you need them to tell you what to do with your money, but the basics are simple: Don’t spend more than you make, save regularly, and get into the markets, that’s the essence of what it’s all about.”
Do you need to hear that again? Nothing will make as big a difference in your retirement account balance as the amount you save. Even just adding an additional 1% can tip the scales significantly. A 35-year old earning $60,000 a year who puts an extra 1% (roughly $50 per month) into her retirement account will have an extra $3200 per year to live on in retirement (assuming a 7% rate of return and 1.5% raises.)
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.
That’s why I went to London. I did a Masters in finance for a year because I wanted to switch to something that was more in the private sector. Back then I thought I wanted to do consulting. They called it Litigation Consulting. There’s a lot of data analysis so it was very similar to what I did before in research but it’s still the private sector.
MS. VERVEER: But she's really brought extraordinary leadership, certainly to the United States Cabinet as the Secretary of Education, to now be here in North Carolina running the university system in terms of what this state represents in the full-flowering of the university system, which is well-known. But also, the work you've done with President George Bush both in terms of policy work, political work, etc. So, by any definition Margaret is a leader, and that's what we're going to discuss—leadership. And I think today more than ever women are in a pivotal position. Just look at all of you, the kinds of positions we probably wouldn't have been in ten years ago. The difference we can make, the data that shows that we're growing economies, it's critical. Driving social progress. Why is it so crucial in your eyes that we push this forward as best as we can?
MS. SPELLINGS: Absolutely. Well, to set the table, and probably a lot of people in this room know this, but you know, this city, and Raleigh not, is the worst in the United States of America for economic mobility. Raleigh is a tiny bit better, but not much. And so, the gaps are wide here in North Carolina. Here's the good news about that, is because likewise Wake County and Mecklenburg County are some of the highest educated counties in the nation with, you know, 50% higher education attainment with a statewide average in the low 40s. And so, the gaps are very, very wide, and I think, you know, people used to ask me this all the time, if I could wave a magic wand I would start with higher expectations of our children, all of our children, rural children, black children, brown children, poor children. You know? If half the school lunches served today in school cafeterias were tainted and people got sick we would be outraged, it would lead the news today here in this community or nationally. Half of the kids, poor kids getting out of high school nobody seems to, that doesn't matter that much because that's our expectation that it's okay that those children are left behind, to use an old-fashioned parlance that you might have heard before.

You will find that the majority of older women in the industry are more on the b**chy side. It may have a lot to do with the fact that when they started out, there were almost zero women, so they felt pressured to be a certain way, and they're personalities may have rubbed off on the women below them... etc. But just remember that you can do a GREAT job and still have fun on the job. It doesn't have to be miserable.
MS. TURLINGTON BURNS: I think we see all ages who are interested, and it might be—obviously, it's not just people who are thinking about motherhood or pregnant themselves. This is again it's an issue that really touches a lot of people. It might be because of their own parent. It might be because, you know, like my 13-year-old, right, it's not lost in me that, you know, at this age of her life it's kind of the perfect time to be learning about these issues, well before she is thinking about whether she wants to or doesn't want to become a mom one day. But now, as she's understanding her body, and is learning about the things that she wants to do and what she wants to be in life. Like, this is like a ripe time. It's a challenging time in almost every country to be able to educate our young people about these things, but it's so important. My team at work, their ages, you know, 22 to I'm 48, so to 48. I mean it's a pretty broad age range, and I think the way that we work as a team has really helped to—like we don't really see age and numbers. It's like we're together sharing this mission and we each can kind of reach our own networks in our own way, in the way that they want to be spoken to or taught. So, we're really trying to think about that and keep an open mind about how people want to, how receptive people are, and how they want to take information in and how they want to be activated.
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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.”
But Stash’s analysis does find that male and female Stash users behave quite differently when markets become volatile. Stash examined its users’ behavior on two especially volatile days for markets in 2018—Feb. 5 and Feb. 8, when major stock indexes suffered big losses, moving into what Stash defines as correction territory. On those days, the men panicked: Men who use Stash were 87% more likely than women, on average, to sell an investment. That behavior continued through the following week, with the men remaining 76% more likely than the women to sell an investment.
Studies going back decades reinforce a simple point: Men trade more often than women, and that hurts their investment returns over time. The seminal study on the topic, by University of California–Davis professors Brad Barber and Terrance Odean (the latter is now at UC-Berkeley), tracked the trading patterns and results of nearly 38,000 households, over a six-year period during the 1990s, for which they could identify the gender of the primary account holder. The finding: Men traded 45% more frequently than women and, as a result, earned an average of 0.94 percentage point per year less than women did. More-recent research has shown much the same pattern. For instance, Openfolio’s data show that in 2015, men traded an average of 7.4 times, while women traded an average of 5.1 times.
But anyway, so I think the first thing is we have to say that is our expectation. It's our expectation that, you know, nearly everybody, 70% of the jobs in this state damn near are going to require post-secondary education, not necessarily a baccalaureate degree, but at least two years of education with a credential after high school, an associate's degree, some kind of stackable credential, a skill. Certainly the jobs at this organization are, certainly the jobs that you all are creating as entrepreneurs and leaders require skill and knowledge.
Consider the guidance of a professional advisor. If thinking about saving for retirement overwhelms you, consider working with an advisor to help you set goals and make informed investment decisions. Seek recommendations from friends, or gather a group of friends together to interview potential advisors. Meeting with multiple advisors before making a decision will help ensure you find someone who is the right fit for your needs.
I am recruiting, but I have a problem. We have reviewed over 40 CVs for a senior analyst position, and only 2 have been from women. I asked my head of HR to talk to the recruiter and make it clear that we wanted/expected to see more female applicants, but what he said shocked us. He said that at entry level in investment banking, 1 in 4 positions are filled by women. But by the time they get to associate level (year 4), the numbers have plummeted to just 1 in 18.
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Phil is a hedge fund manager and author of 3 New York Times best-selling investment books, Invested, Rule #1, and Payback Time. He was taught how to invest using Rule #1 strategy when he was a Grand Canyon river guide in the 80's, after a tour group member shared his formula for successful investing. Phil has a passion educating others, and has given thousands of people the confidence to start investing and retire comfortably.
Don’t attempt to boil the ocean. “The industry has been set up to make investing feel scary,” Katchen says. “The old boys club wants you to believe that you need them to tell you what to do with your money, but the basics are simple: Don’t spend more than you make, save regularly, and get into the markets, that’s the essence of what it’s all about.”
Looking beyond investment banking, it is also worth pointing out that two of the most influential positions in the financial world are currently held by women, namely Christine Lagarde, head of the International Monetary Fund, and Janet Yellen, who in 2014 succeeded Ben Bernanke at the helm of the US Federal Reserve. These examples only go to prove that when women set their minds to a career in finance, absolutely no heights are unattainable.
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Managing your checking account, saving up for vacation, paying your bills on time and making sure your credit score is on point can be stressful. As for choosing the best financial app that works for you, you want to make sure that it’s not only aesthetically pleasing and provides content to help you grow your financial literacy, but most importantly that it  assists you in setting and achieving those financial goals of yours.
MS. JOSEFINA URZAIZ: Thank you. First of all, well thank you, I'm very grateful to be here and honored to be part of this as a mentee in this week. Our organizations that lead have the goal to alleviate poverty, and the way we do this is by empowering women in rural communities in Mexico where I'm from. We employ 900 women who hand weave the hammocks from home, so I don't break that family structure. And to give you perspective, each hammock takes about two weeks to weave because they do it in their spare time, and the impact that we have reaches 3,200 people on an everyday basis.
although it sounds great---i am not being argumentative--that more females are getting into fields previously dominated by males, i think it is still an uphill battle thus important to get a feel to the environment and culture. there may be unwarranted traditions, but there may also be some practical considerations, that is, some fields are better suited for one sex vs the other for understandable reasons. say, most top surgeons are males. heck, most top OB GYNs are males!

The majority of the scholarship opportunities featured on the TFS Scholarships website come directly from colleges and universities, rather than solely from competitive national pools – thereby increasing the chances of finding scholarships that are the best fit for aspiring and current undergraduate, graduate and professional students. Each month TFS adds more than 5,000 new scholarships to its database in an effort to stay current with national scholarship growth rates – maximizing the number of opportunities students have to earn funding for their education.
MS. SARR: We bring in money in terms of funding as the United Nations, but we expect private sector to play its role. We expect public sector to play its role. In Africa, right now we have two countries that are leading in terms of affirmative procurement. In Kenya for instance 30% of public spend is earmarked for women, youth, and people with disabilities. South Africa also has preferential treatment for women. So, it's those critical partnerships that will allow us to have that critical mass of women that are economically empowered. And as a UN we, especially when women, we have a good understanding of what we call the gender machinery. We play a role of honest broker and that's how we put it together. It's a, it's a holistic comprehensive approach to be able to have impact.
Investing your money is important. It can give you financial security and independence, as well as prepare you for important life events — your children’s education, your retirement, unforeseen financial emergencies. Even if you use the services of a financial advisor, be prepared stay in control of your investments. Although this may sound overwhelming at first, there are a few basic investment guidelines that you can use to enrich your future:
Imagine what could happen if more women became financially literate and spread that knowledge to their networks of other women. The possibility for increasing awareness is tremendous. Knowledge is most definitely power, so take this information and arm another woman in your life with it by sharing it via email or facebook. She may cringe initially, but in the long run, she will thank you.
"As more women invest, we will demonstrate through a show of force that we believe in each other enough to invest in each other — whether we can invest $1 or millions. We will do this by choosing investments that advance women and help improve our world. We will commit 25% of our investment portfolios to “impact investments” by 2025." — Let’s Disrupt Money
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.
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 […]

MS. SMITH: More than 200 million women worldwide are running businesses. These are amazing women, and yet there are obstacles that keep these amazing women from reaching their full potential, and that includes lack of access to capital. But the women on this panel are doing something about it, and we're going to talk to them about what they're doing and how they're overcoming those obstacles, and we're going to learn something about it as we go. I want to introduce Josefina Urzaiz, who is the co-founder of Hammock Boutique, and Fundación Cielo in Mexico. Next to her is Nigest Haile, who is the Founder and Executive Director of the Center for Accelerated Women's Economic Empowerment in Ethiopia. And next to her is Jill Calabrese Bain, and Jill is with Bank of America. She is the Managing Director and Head of Sales for Bank of America's Merchant Services. So, I'm going to begin with Nigest. So, you are the founder of Enat Bank, which focuses on women. Why was it necessary to start a bank for women in Ethiopia? 

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.
“We were then left with a chunk of that cash plus some Unilever share options. That’s the point where Jennie really wasn’t interested,” says Mr Byrne. Initially he invested in a low-cost “tracker” fund that simply mirrored the performance of the FTSE 100 index, but after building up his confidence he put money in funds run by professional managers, which have delivered better returns. 

Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won’t cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
Krawcheck, long known as the most powerful woman on Wall Street, was CEO of wealth management firm Merrill Lynch during its acquisition by Bank of America; she left in 2011. Ellevest is backed by $10 million in funding from some of the biggest names in the investment business, including Chicago-based research firm Morningstar and Mohamed El-Erian, chief economic adviser at Allianz.

Investing itself, we’re in favor of. (You might have picked up on that, since we’re a company named Ellevest.) Especially investing in low-cost, well-diversified investment portfolios. That’s because — we’ve said it before, and we’ll keep saying it — we really, really need to fix the gender investing gap. Women don’t invest as much as men — we keep 71% of our money in cash (in other words, out of the market). This is part of the reason that we retire with two-thirds the money of men (even though we live longer).


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Many women reserved their ire for the "F" word: family. Male bankers with families are feted as breadwinners, said one. "There's still the assumption - often made by senior bankers with stay at home wives -  that a woman's income is the secondary income," she said. In reality, this often isn't the case: "Almost all the senior women I know in finance have househusbands, but they're not going to broadcast that fact."
While parents remain the top source of financial advice for most women, only 20 percent said they felt well prepared by their parents to manage their finances as an adult. Even fewer said they learned about these topics in school. Only 24 percent learned about budgeting and setting financial goals; 14 percent said they learned about investing. Overall, only nine percent of women said their education through high school left them well prepared to manage personal finances as an adult. A slightly better 10 percent said this of their college education9.

7. Plan for retirement. You should prepare for that time when you will no longer be working and collecting a regular paycheck. Keep in mind that the earlier you start, the longer the money can benefit from compounding. So if you don’t have a retirement fund already in place (for example, a 401(k) or an IRA), start one immediately. Read 401(k) Basics and 10 IRA Strategies to get started.
I'd have to agree with the above post. Don't act like a man. You're not , and it just looks weird. But that being said if you're super nice then you'd probably get taken advantage of, so for example, in an interview setting just be yourself. If you are super nice then you probably don't fit in the typical banking environment. After all, you don't want to land a job on the notion of you being someone completely different than you are. You will eventually get tired and want to quit becuase you can't stand to act like someone you're not.
MS. KATZIFF: Well thank you, we do appreciate the feedback and agree that there's a lot of talented women in our organization. But we have had women's programs, women's development programs for years, decades now. One of the things that we did realize though is there was so many around the globe, in the United States and around the globe that last year we realized that there would be some significant power in pulling that all together. So, we have made significant progress but if we came up with a common core mission. And so we formed an umbrella organization, the Investing in Women's Council, at the beginning of 2016 and I am very lucky to be the Executive Sponsor and Leader of that. And we came up with four additional kind of core common goals for us. One is attracting, hiring, retaining women. One is in addition to broad women we realized we really needed to focus on ethnic diversity as it relates to female leadership, and pulling up ethnic diversity in women to higher levels in our organization. Also, just development programs in general. We had tons of them, probably almost too many, and how to depict the few that were extraordinarily impactful, and then track women along the way after they went through the programs. And the last thing we called out as a focus, Margaret mentioned, which was the advocacy, and how do you bring men and women into the fold to being very strong advocates every single day, and how do you bring that to work? So, those are just some new things we have been doing in the last year, year and a half to push it forward.

There are some interestings measures that were taken by some scientific competitions in Brazil, in order to attract more girls. A nice one that I saw is what the Brazilian Physics Olympiad proposed to do: give graphene rings to the medalist girls. It’s a good incentive, without any facilitation. But sometimes I think that they do it wrongly, by helping to much the girls, like if they were saying “come and participate, it will be easier for you!” and well, I don’t like it. Girls are as capable as boys, they do not need to be assisted, they do not need to have facilitations. Doing this is not correcting the problems, but instead it’s similar to “sweep it to under the rug”. The competitions are supposed to select the best ones and so they must incentivize the women until all of them that they can be the best and stand on the top, and not blind them telling that they reached the top when they did not yet.
All the women agreed – and their successful banking careers testify – that you don’t have to be masculine to succeed as an investment banker. Nonetheless, Lorraine conceded: ‘You do need to be confident and assertive. However, that could be quietly confident. Ultimately, you will need to be able to find a way to be confident and assertive that reflects your character.’ Sophie agreed: ‘Don’t change yourself – you can’t pretend to be someone else.’
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Since the feminine approach to investing has been branded as a losing strategy, let's look at how the men have fared. Men have dominated the financial services world since its inception. They run the big companies, they dominate Wall Street and they control the money, but the empirical evidence suggests that their investment results consistently trail those generated by women. Also, in studies by John Coates (a former Wall Street trader), there is evidence to suggest that a connection between testosterone and risk taking leads to irrational exuberance. Coates notes that "Economists assumed that all behavior was conscious and rational … They were ignoring that fact that signals from the body, both chemical and electrical, affect how we take financial risks.

In fact, looking at actual data is one of the best ways to counteract the fear of investing. For example, are you afraid to invest in stocks because you remember the painful declines of the financial crisis? Well, in spite of the 36.55% plunge in the S&P 500 stock market index in 2008, this index gained an average of 7.25% annually between 2006 and 2015.

MS. NELSON: All right. Katerina, I want to, I want to come back to you and some of what you were talking about about the power of mentoring and partnership, and also bring together a strand that Melanne was talking about earlier, the idea of needing networks, and how valuable networks are. And one of the things that we've found at Vital Voices, because ultimately what we are is a network of 15,000 women leaders around the world, across different sectors, as well as mentors and others, and what we've definitely seen is that there's something about women being part of a non-competitive and non-hierarchical network, that it encourages women leaders to take risks that they wouldn't have normally taken. Can you talk about, I mean did you have that experience? I mean I know you're sort of a risk-taker by design, as an entrepreneur you have to be. But I'm curious, I mean what's next for you and what has, what has been unleashed through gaining more support and mentoring?
I partipated of WHARTON’s Investiment Competition once and it was when I “fell in love” with business and financial area. Unfortunatly I did not got into the global final, but I got into the 20th first and participated of brazilian finals. It was a very enriching experience for me. I’m still in the second year of High School and intend to participate on it again. Now I’m searching more and trying to discover the best criteria of analisis of maket (what basically what I have to do to go better in the competition, if anyone here is interested in it or has tips, I’d be glad to know more and talk about (: ).
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It’s also paramount that you think about which specific skills and competencies your chosen employer is looking for. Teamwork, leadership, a sense of values and citizenship are among those that are typically sought. ‘Then ask yourself, how strong am I in these areas? What are my stand-out strengths?’ advised Lorraine. ‘Think about selling yourself and what makes you special. If you’re strong academically, for instance, it’s okay for that to take up half the page of your CV or covering letter.’
“He is a seasoned and versatile leader, bringing with him a wealth of experience in public policy and academia,” said Thomas A. Fanning, chairman of the board of the Federal Reserve Bank of Atlanta. Raphael also has significant experience leading complex organizations and managing interdisciplinary teams. He is a perfect bridge between people and policy.”
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