MS. NELSON: To move things forward. So, I want to, I want to come to you Christine and the work of Bank of America because you've been long believers, obviously the partnership with Vital Voices is five years old, but you've been working for many years to, you know, really advance the development agenda, particularly women, but really to focus on partnership. Why does Bank of America believe that? I mean you are a huge corporation with lots of resources and entities around the world. Why is it important to partner with NGOs or governments?
Fidelity research among professional women across the country shows there's no shortage of interest in learning more about financial management and investment choices, with over 90 percent saying they want to learn more about financial planning8. For many, this stems from a need to play ‘catch up,' with a majority reporting a lack of opportunity to learn financial skills earlier in life.
“I listen to 20 hours of customer calls every month,” says Murphy. “Young people call and they’re trying to figure out what to do with their the money.” The answer – she says – is basic asset allocation often accomplished by putting with the help of a target date fund. “When things get more complicated they probably will want a financial advisor. But [at the start] let’s demystify it and if there is a simple investment solution focus on that. Betterment Data Scientist Sam Swift agrees. “We encourage people to be as passive as possible,” he says.
In their 20s, women choose their career path which sets the tone for their future. Equities can be a good investment choice in your 20s, as you can take more risk when you are young. You can choose to invest in Equity Mutual Funds for your long-term goals as Mutual Funds give you the benefit of professionals managing your money. You also need to take a suitable Health Insurance plan at this age. This will take care of your medical emergencies. You must also make sure that you have sufficient Money Market Funds or Liquid Funds to help you during emergencies. This should be the right stage to decide your long-term goals. Plan in such a way that the long-term investments that you make, give you good returns at the right time.

MS. TURLINGTON BURNS: --but we have incredible partners who in Haiti, you know, we're training our fourth class of skilled birth attendants there in the Central Plateau. In Guatemala, there's an incredible program called Corazon del Agua, and we support them. Their first graduating class of a three-year—first midwifery accredited program. The second class is underway now. I mean, each of those providers will deliver 200 babies a year, potentially. The ripple effect of investing in a woman is just, you know, I see it daily. 

You may encounter setbacks during the recruitment process and after you secure your graduate job. Touching on her own experiences, Lorraine said her application wasn’t successful when she applied for a managing director position the first time. She commented: ‘You have to be resilient and believe in yourself. If you didn’t get the best degree or work experience, for instance, find an alternative way in. Likewise, if you don’t get the job when you first apply – try again. There’s always another way.’
Don't put your investments on long-term autopilot. One of women's strengths as investors is that they are less tempted to buy and sell in the short term, based on classic research by Brad M. Barber and Terrance Odean at the University of California-Berkeley. But at least once a year, you need to become an active investor, checking your asset allocation as you age and your needs change. That means changing your asset allocation when it's required, or hiring an investment advisor or an online investment platform to do it for you. "This was my own mistake in 2008. ... I didn't have cash, and I was fairly close to retirement," said Hounsell.
I shared this experience with other female colleagues in the office, who agreed that it was totally inappropriate and assured me I’d have their full support if I wanted to report this incident to my manager. My manager (who is a male) was also extremely supportive, reaffirming that this is not the kind of behavior we’d want to espouse with future managers and leaders of the firm. He escalated the situation to HR, who has noted this on this employee’s record. While I’m not sure if any further steps will be taken, I’m glad there was an open communication channel between me and my manager where my opinion was respected and handled with sensitivity. 
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.
Millennials’ perspective on their later years and how to get there hints at a possible redefining of retirement, according to the latest Merrill Edge® Report. Nearly half (41 percent) of the generation surveyed expects to retire when they hit a certain financial milestone or savings goal, whereas their older counterparts are focused on leaving the workforce when they hit a certain age or can no longer work due to health concerns.
Saul M. Simon, a certified financial planner with Simon Financial Group in Edison, N.J., recommends women investors start investing at work in their 401k or 403b retirement plans. Every dollar that goes into these plans reduces current income taxes. In addition, the money grows tax-deferred, and in many cases the employer matches a portion of your investment.
Today, gender equality is in the spotlight like never before. The #MeToo movement has encouraged countless women to share their stories about being harassed at work—myself included. Powerful men have lost their power, while powerful women (hi, Oprah) are putting their platforms and their money into stopping workplace harassment and abuse. It’s been incredible. And it’s just the beginning.
thank you again. i am going to copy and paste that post for future reference and may indeed trouble you further for some guidance in the future so thanks in advance for your generousity. intuitively your comments ring to me. it is probably true in many fields that female coworkers are being accepted more and more, ON THE CONDITION that they are proven to be assets to the team and to prove one's worth, one probably has to come in earlier and leave later to be better prepared and ready to help at any moment and possibly rely on some maternal instincts to be mindful of the big picture. still, it won't hurt to know that generally speaking, the work environment in IB is not so hostile to females that it is uphill battle day in and day out even if one's work speaks competently for oneself. thanks for providing the clarity and reassurances.
You should have a six-month emergency fund. Investing is a great way to grow money but the key to making it grow is time. Why? Because investing is a risky venture. When you put money in the market, you are saying, “I don’t need this money for a few years.” First of all, you could invest and see that money decrease immediately. But the short-term fluctuations aren’t important. What is important is that over the long term the money will likely grow. So, while that money is tied up, you’ll need an emergency fund to tide you over during any rough spells—unemployment, bad health, etc. (We’ve got more reasons here.) And besides, when you sell your investments, you have to pay taxes on that—making a savings account a much more attractive place to store some extra cash. (Follow our checklist to build up your savings.)
Thankfully, things have changed — but not everyone has gotten the message. Today you can invest online, from the comfort of your home, and if you do meet with an advisor, you’re going to see that everyone is trying to make things more accessible, Katchen says. “People know that women control more money than men, and are often the financial decision makers in their household.”
Women used to get a bad rap on Wall Street. Industry observers maintained that women started too late, saved too little and invested too conservatively. But research is increasingly proving otherwise. Just as Little League pitching phenom Mo’ne Davis turned the phrase “you throw like a girl” into a compliment, author LouAnn Lofton says you should be flattered if someone says you invest like a girl. After all, says Lofton, who wrote Warren Buffett Invests Like a Girl, the nation’s best-known investor does.

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. 

From 2009 to 2012, Bostic was assistant secretary for Policy Development and Research at the U.S. Department of Housing and Urban Development (HUD). In that Senate-confirmed position, he was a principal adviser to the secretary on policy and research, with the goal of helping the secretary and other principal staff make informed decisions on HUD policies and programs, as well as on budget and legislative proposals.
As someone woman have called a "pig"/slapped in the face multiple times in my life, it's pretty easy to fit in/change misogynistic frat type coworkers mind; just do what any good analyst would do: Turn in great work, have a good attitude/easy to be around, lose the chip on the shoulder/get over yourself, be friendly/nice but not mealy, & keep controversial opinions to the bear minimum.
So, if you’re eager to make a major job or career change… you guessed it, make a plan. Consider making a list of pros and cons for taking the plunge. If everything in your life is pointing to making a major change, figure out what new goal makes the most sense for you. Take an inventory of your skills and experience, along with your interests and aspirations, and figure out which careers/industries you best align with. Do you have any friends or family who have jobs that sound potentially intriguing to you? If so, ask them more about it. Do your research—the Internet is a great source of information for researching new companies and careers.
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