Define your goals: Get to the heart of what's important to you by thinking critically about investment goals. Sabbia mentioned preparing for personal retirement, saving for children's educational needs, or leaving a charitable gift for the next generation as potential goals. She also mentioned a key difference in how women invest. "While women care about performance, they also look for their investments to align with their values, goals and priorities," Sabbia said. "In fact, more than half of women investors are interested in or engaged in impact investing, generating financial returns along with social returns." Sabbia mentions that whether it's for your own family or a meaningful cause to help others, having clear goals that link to a clear strategy is key to success. And the ripple effect from that empowerment could extend far beyond your own backyard. Increased participation in investing could benefit communities overall. "If more women can actively take control of their financial future all along the way, it would not only benefit them, but also their families and our society overall,” said Maddy Dychtwald, co-founder and senior vice president of Age Wave.

Then I had a second child about two years later and I would say after I delivered him, that's when I started to really think about what could I do and how could I do it. I was able to visit, while pregnant with my son, I visited Central America, which is where my mother is from, with CARE, the non-governmental organization. And in all of the visits that we did during the time that I was down there with them we came across One Water Program. It was a clean water project, and a lot of women were coming to get access to clean water, and getting like a little bit of ante-natal care or a little post-natal care while they were there. And because I was pregnant and because so many of the women were pregnant or had small children on their backs that's where I had the "Ah-ha!" moment of had I had my daughter in this community, far away from a hospital or, you know, paved roads, or clean water and sanitation, or you know, there were so many factors that I could see how it could have played out very differently had I been there or anywhere else for that matter.


All of the top banks are run by men. A Catalyst study reports that women account for less than 17 percent of senior leaders in investment banking. In private equity, women comprise only 9 percent of senior executives and only 18 percent of total employees, according to a 2017 report by Preqin. At hedge funds and private debt firms, the numbers are similarly low — women hold just 11 percent of leadership roles.

Okay, we have an absolute fantastic program. I think you will find we have discussions that will be inspiring. They'll be moving, they will be thought-provoking, and we have dynamic women here who can really show how they have contributed to driving social and economic impact and improvement for women. So, we have a renowned educator here, we have innovative entrepreneurs, and we have women who have built bridges between businesses, government, and nonprofits. And so, let's just get right started. We will start with Christy Turlington Burns, who is the Founder and CEO of Every Mother Counts, and Andrea Smith, our very, Bank of America's very own. She's the Chief Administrative Officer. We'll hear from Christy as far as the important work that she is doing to advance maternal health, and the role that women play in investing in economic and social issues to continue to make sure we're driving the right level of progress. So, with that we're going to show one more quick video and we will turn it over to Christy and Andrea. Thank you.


Bottom line, don't be something you're not. be firm, but not a real bitch who can't play well with others. Be nice, but don't be a pushover. Don't go into banking with self-doubts because you're a girl. Sure, there are definitely times where it will be awkward (guys who do just 'guy' things, talking about girls, etc) but it's best to just go with the flow in those instances.

Every time I was in an awarding of an Scientific Olympiad in my country (Brazil), I found strange that there were much more boys than girls, and it was a truth since 6th grade until High School. Well, I could not accept that there were nothing wrong with it because I knew some very intelligent girls. Before I get into High School, I studied in a regular class and some of the best grades were from girls, they potential was tremendous but they simply did not want to dedicate to this side. When I moved from my school to another and entered in a class focused in Sciences (Math, Physics and Chemistry) I realized that the majority of boys were a problem not just in the Olympiads, but in this area (STEM) itself (ant least in my country, but I believe that it unfortunately extends to other places as well). For me, it’s impossible to assume that this situation is due to a kind of “difficult” that girls would have in this subjects, as some supposes, even because some woman that I know are more than excellent at them. I believe that it’s a result of cultural scars left by a past in which girls were destined to stay in home and take care of things, a work that does not necessarily require much study. Than boys mass-dominated the STEM area. And now, due to the lack of representativity, the young girls don’t see themselves in this areas as much boys do. They do not look and imagine they being successful at it because very few were. They basically judge themselves as incapable and the shore as impossible. Of course, it’s not true, but some of them think it is. And so, the lack of women in this area causes a lack of women entering in this area… a loop. A sad loop…
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."

Women need to master the art of investing, in order to stay financially independent and also to ensure that their goals are always in line with the family’s goals. So, is there an age where women should start looking at investments? Actually, there is no particular age to start saving and investing. The earlier you start the better it is. This holds true whether or not you’re a woman.
Watch our #WomenLead public forum to learn how women are advancing progress globally /en-us/partnering-locally/women-lead-public-forum.html Get the whole story. 1359940|enter782|cr-en402 /en-us/partnering-locally/women-lead-public-forum.html _self 1359940|enter782|2014_859|| 1359940|enter782|2014_581|| /assets/images/PublicForum_400.jpg Women talking
But just having a big shiny goal doesn’t qualify you to open an investment account just yet. After all, if the only thing you needed to have in order to start investing was the desire to have more money, then a lot more people would have investment accounts. (According to the LearnVest and Chase Blueprint study, just 28% of women do, and 40% of men.)

JPMorgan, for instance, holds ‘Winning Women’ events which offer networking opportunities and guidance for prospective female investment bankers. Morgan Stanley has several diversity initiatives, including a leadership program for newly promoted female managing directors, a six-month leadership program for women vice presidents, as well as a women’s business exchange within the bank’s wealth management unit. On the more practical side, Goldman Sachs for example is accommodating mothers with on-site child care at its New York and New Jersey offices, as well as on-site lactation rooms.

MS. CRONSTEDT: So, I, a year after participating in the program, sold my first business and simultaneously, I started a new one based on the knowledge and the tools that were given to me in the Global Ambassadors Program, which was a more successful company, just in short. Which was an online catering company that exists to this day, and that has--


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.
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For example, take the key values that underpin success at MUFG. Vanessa shed light on them: ‘They are partnership and accountability (working in a team and taking responsibility for your contribution both as an individual and as part of the group), innovation (coming up with and implementing new ideas), integrity (how would you behave if it was your grandmother?), and urgency (taking action in a timely manner).’
Earlier this year Christine Lagarde (No. 6) was selected to serve her second five-year term as head of the International Monetary Fund , the organization which serves as economic advisor and backstop for 188 countries. When she took over in 2011 the world economy was still recovering from the financial crisis. Lagarde, however, has projected a weak, fragile and still risky recovery. 
While a nice portfolio of stocks is bliss, having financial independence is way bigger than picking the right stock, fund or financial advisor. It’s about living in a way that supports your financial goals, having the confidence and knowledge to grow your money (alone or with a well chosen financial advisor), and creating income streams using either your highest skills, your money, or both to fund the lifestyle you desire.
Who among us doesn’t want a loftier position with a more impressive sounding title and a higher salary, regardless of where we currently work? The truth is, this isn’t always an immediately attainable reality for everyone—maybe you’re just getting started at your current job and it’s too soon to start thinking about a promotion, or maybe the place you work at is small and there’s no clear upward trajectory. Whatever the reason, if you’re seeking a promotion and there’s no obvious path for growth for you in your current job, perhaps this means you should make a more drastic change as part of your New Year’s resolution planning.

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.
The first thing I want to make clear is that women really are missing out right now. Investing is a huge wealth generator, and women, for one reason or another, tend to do it less. Seventy-one percent of the money women have is in cash, and any financial advisor will tell you, cash not only doesn’t earn a return; it actually depreciates over time thanks to inflation. The stock market, on the other hand, has returned an average of 9.5 percent for the past ninety years, even including the horrific downturn in 2007. The good news is a lot of companies are trying to figure out how to change that. Partly because it’s the right thing to do, partly because it’s good business.
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.”
It can be a very hard line to walk, and you're constantly searching for balance in literally every aspect of your personality (be fun, but don't be TOO fun; don't get easily offended, but don't internalize the shit that really does upset you; be assertive and don't let people talk over you or dismiss your ideas, but don't come off as bitch so make sure you modify everything you say by making it seem like a question or a suggestion, etc etc etc). It's not so bad at the junior levels, but I think you can definitely see and feel it more as you get older.
These sentiments are certainly understandable, and I believe the way to change these perceptions is through educating people about finance, just as GWI is doing. As you mentioned, experience is the best way to learn about the industry, hence my partner and I are currently working on creating a student investment fund so that students can learn about finance fundamentals by managing a portfolio and making trades in the real world. Like you, we also plan to participate in the KWHS Investment Competition for the first time as well. Furthermore, just after learning about ESG from GWI Scholar Olivia Ott, I am going to research it more and include it in our Investment Policy Statement. I respect what GWI is doing, and I hope by exposing students to the more positive and interesting aspects of finance, I could dispel the incomplete and negative misconceptions. Eventually, I hope students of different genders and races can explore and perhaps commit to the finance industry in the future.
A bigger presence of women in the area of business management if essential. I personaly don’t know if it’s correct to assume that woman have a different way of thinking when compared with man in waht concerns this area, but to be too restricted to any specific “kind” of people (specific gender, ethnicity, whatever) is archaic and not beneficial at all to any sector. So there is a considerable importance in correcting this concentration of men.
“It is important to broaden the students’ awareness of the various career paths to help them understand the magnitude of opportunities beyond investment banking,” Scott said. “Ultimately, we hope that all our students build on the skills they learn in the classroom and in their first destination jobs to find their area of interest. We regularly talk to the students about their careers being a marathon, with many pivots, twists and turns. It is not a sprint.”
Best Advice: “When I was younger finance sounded scary, but it really isn’t. You can have an interest in health care or technology and that translates into finance in some way. Consider your interest in one thing and see how it connects to finance. I was interested in technology and then saw how it connected to finance. That made it less scary. Fintech or financial technology is actually really exciting right now.”
To be able to be transformational in that sector we need to work on four essential areas; one is policy, mostly dealing with issues of access to land, and to do that the public sector plays a big role. The second issue we try to tackle in the area of agriculture is access to finance. And like Nigest said for the longest time the women have been confined to microfinance and small loans. So, when we look at access to finance we want to look at the broad spectrum of financial instruments, whether it's a guarantee funds, credit lines, private equity, leasing of, you know, agriculture equipment. And all of that we have to do with the private sector. When we talk about access to market, same thing. How do we make sure that these women that we're going to help produce more tomatoes, more mangos, everything else, have access to market? And that access to market can only be achieved through contractual relationship with private sector. So, once UN Women walk away three or four years later from the program that these women are able to continue. And lastly, skills development, exactly what we've been doing this whole week. How do we make sure that these women are productive, they use technology, they have a better use of water? So, as you can see in all of these four pillars in the area of agriculture we cannot do it alone.

Says Bourke, “In the first part of 2014, we completed four oil and gas deals totaling $350 million. We found, even in the heart of the oil patch, traditionally known as a male dominated industry, it is more the exception than the rule that both the decision to sell as well as the selection of the most appropriate buyer was a joint decision involving a central female stakeholder. It makes business sense to direct deliberate attention to building an investment banking firm that leverages the talent and experience of the female workforce.”
JPMorgan, for instance, holds ‘Winning Women’ events which offer networking opportunities and guidance for prospective female investment bankers. Morgan Stanley has several diversity initiatives, including a leadership program for newly promoted female managing directors, a six-month leadership program for women vice presidents, as well as a women’s business exchange within the bank’s wealth management unit. On the more practical side, Goldman Sachs for example is accommodating mothers with on-site child care at its New York and New Jersey offices, as well as on-site lactation rooms.
I think the summer curriculum of this nonprofit organization is very helpful. It mentioned that there are much fewer women professionals than men in the financial market. This may be due to the industry’s prejudice against women. The industry tends to consider women have less advantages than men, or women have more commitments not only to work, but also to their families. Some of these thoughts are true, but some are not. Women need more mentorship and empowerment. As the articles mentioned above, these students brought not much understanding before the camps. After the camps, however, they learned about, and mastered financial knowledge and tools. This learning process will benefit and illuminate their own future.The potential of improving women’s financial knowledge is very big. But the existing problem is that women just are not getting the right guidance and empowerment. For example, these teenagers. They didn’t have much financial knowledge. But through this project, they started to be familiar with finance, and understand finance. With a more positive understanding of money, their life may be improved .
Formally known as Billguard, this financial planning app not only helps you create a budget, but they have a swipe-left, swipe-right feature where users can verify which of their expenses are theirs and which aren’t. Their specialty? Protecting their users from identity theft (more on this later). Features also includes helping users track their credit score. They also have Credit Card Optimizer feature, where users can track all of their credit card info, and helps users make better financial decisions with their credit cards. They also have a blog to keep you informed on all Prosper Daily’s updates along with useful financial tips.
MS. SPELLINGS: Yeah, I think often, we dwell on kind of the half empty, "omen are not on tenure track, women are not on corporate boards" and all those sorts of things. And we need to pay attention to it. But I do think there are enormous assets to be in public service and to be a woman in public service. One, we all are motivated by, as Christy Turlington Burns was doing something for someone else. We all know friends who are like man I've been a lawyer all my life and I just, is that all there is? Well, if you're in working to close the achievement gap or improve maternal health you've got that mission, that fire in your belly to leave something behind that's bigger than yourself number one, and number two, and you and I have both enjoyed these experiences, when you're in public life and public service you'll be stunned at the kind of reach you can have as a woman, managing large amounts of money, managing large numbers of people, just an incredible opportunity for careers in public service and public life.
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.

If conditions out in the job market seem great, then plan for your next steps—polish up your resume and cover letter, make sure your interview clothes still fit, and get out there! However, if you’re seeing some warning signs that right now might not be the best time to jump ship, then bide your time and plan accordingly. Don’t forget, you can do some subtle and covert planning for your next job while you’re at your current one so when the iron is hot you’ll be prepared to strike!
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.”
As mentioned, this has been answered many times. From investment bankers I know, most of the media's portrayal is exaggerated. Yes hours are long and you have to be driven to win. But that doesn't mean you go around swearing and yelling in people's faces - usually IBankers do the opposite. You need to have a competitive drive and be a people's person. The industry has many females nowadays just like engineering. You are far from alone if you choose to do IB. If you are acquiescent and fear being a in a tough, competitive environment, then you shouldn't go into IB whether you are boy or girl. Stop assuming girls are somehow weaker than males and therefore are unfit in IB. There are guys and girls who do well and don't do well in IB.

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.)
You'll have decent QoL, bearing in mind you're in a services industry where you're at the mercy of the whims of your clients. And it depends on your goal. If you want to do IBD for a career, it'd be simple enough to get into a group with solid QoL and still pays well. If you're looking to get experience and exit to private equity/HFs/VC, you'll want a group that's active and gives you plenty of execution experience ie: you'll get crushed. IB at the Associate+ level is very different from Analysts because you'll be on track for a longer tenure. All analysts ditch.
Conventional wisdom “blames” women for this gap. We receive messages that we’re not as good at math as men; we’re not as good at investing. Um, no. Studies have found that once women do invest, they outperform men by nearly one percentage point a year. This was confirmed recently by Fidelity, which analyzed the performance of 8 million retail clients in 2016. Typically women outperform because they don’t overtrade, panic in down markets, or pay too much in fees.
Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Past performance is no guarantee of future results. Any historical returns, expected returns or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings are for illustrative purposes only and are not investment recommendations. The content on this website is for informational purposes only and does not constitute a complete description of Stash’s investment advisory services. Certain investments are not suitable for all investors and are not available to all Stash Clients. Stash does not provide comprehensive financial planning services to individual investors. Before investing, consider your investment objectives and Stash’s fees and applicable custodial fees.
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?
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MS. SMITH: Great. Josefina Urzaiz, we have Nigest Haile, who is the founder and executive director of the Center for Accelerated Women's Economic Empowerment, and also Jill Calabrese Bain from Bank of America. Thank you all very much. [Applause] Next up, why partnering is good for women and good for the world, but first please take a moment and watch this next video.

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.

MS. VERVEER: One of the other things I've been in this learning experience about the region, the area, the state, and I understand the disparities between economic mobility, economic and equality, not peculiar here by any stretch but obviously significantly disparities, and maybe you can explain why. But we deal with that across the country, we deal with it all over the world. And we're here really focusing on entrepreneurship, and Bank of America has been a leader in enabling women to grow their entrepreneurial skills because we know what that can do to grow economies and provide the kind of wind at the back of economies.
Money Motivation: “I had always thought about finance before this program with not such a positive lens. There are a lot of people who are focused on the money. That was one reason why I was intimidated by getting into finance to begin with. A lot of times those people can be very loud and overwhelming. It can give a negative perception of the industry. The people at Princeton pursuing finance are very intense. I was meeting kids who had been on a finance track for years and I wasn’t. I now realize that was a very skewed perspective of the industry. A lot of the asset managers and portfolio managers that we’ve met in this program came from a liberal arts background.”
As  banks' claims to diversity are blown apart by the figures emerging from the UK's gender pay gap reporting requirements, how does it feel to be a woman in finance? Do you buy the Goldman story that men and women are paid equally for equal work and it's just a question of getting more women into senior slots, or do you get angry and point to more insidious issues?
MS. SARR: For me, it's funny because the most, the most impactful mentor I ever had was an American gentleman by the name of David from Texas, had he's been my biggest supporter, and he died in a plane crash in Texas two years ago, but he's been following me and even sometimes when I didn't believe in myself he gave me huge responsibilities as a CFO of a multi-million-dollar business. That was way before I joined the World Bank or the UN. But so, mentoring is extremely important. So, my ask tonight is for the men to really be our champions. We want them to be our he for she and say to other men I stand by my sister, I stand by my wife, I stand by my daughter. That's my first ask. My second ask is for the other women, you know, we tend to shy away sometimes from the activism but you just have to realize that you have a mandate. If every woman voted for a woman we will have plenty of women presidents around the world. So, you really, you really have a mandate to represent and to know that you are really, when you're sitting on that board meeting, when you're about to make, click that button that you're doing that on behalf of millions and billions of women around the world. They say that if every woman made a jump today we will have an earthquake. So, that's how powerful we are.
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”).
To be successful, business development VP Marissa Meiter says, “You can’t be afraid to put yourself out there, the worst thing someone can do is tell you the timing isn’t right.” Meiter taps into her experience working at a family-owned bank equipment business and appreciates the company’s focus on relationship building. She enjoys hearing the business owner’s stories and educating them on their M&A options.
Imagine how much easier it would be to manage your finances if change were not an ever-present dynamic. Of course, change is a fact of life – and life would be pretty boring without it! But change can certainly make long-term financial management difficult. Without insight into the future and what might transpire, planning presents plenty of challenges.
MS. CRONSTEDT: So, I, a year after participating in the program, sold my first business and simultaneously, I started a new one based on the knowledge and the tools that were given to me in the Global Ambassadors Program, which was a more successful company, just in short. Which was an online catering company that exists to this day, and that has--
Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Past performance is no guarantee of future results. Any historical returns, expected returns or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings are for illustrative purposes only and are not investment recommendations. The content on this website is for informational purposes only and does not constitute a complete description of Stash’s investment advisory services. Certain investments are not suitable for all investors and are not available to all Stash Clients. Stash does not provide comprehensive financial planning services to individual investors. Before investing, consider your investment objectives and Stash’s fees and applicable custodial fees.

Not only are these items expensive, but political currents in many industrialized nations are reducing the contribution government makes toward these items. Decisions in corporate America are going the same way, as employers and insurance providers offer more expensive and less comprehensive coverage. All of these trends can result in higher expenses for the elderly, as they are forced to pay increased copayments, higher premiums and increased out-of-pocket expenses.


Women live, on average, five to seven years longer than men (depending on when they were born). Their money has to stretch longer, and if they are married, it is important to note that some of the biggest health care costs are incurred in the year prior to death, so if they survive their husbands, it is possible that their financial resources may be reduced by medical expenses. Married women tend to suffer significant losses in income when their spouse dies.
All of the top banks are run by men. A Catalyst study reports that women account for less than 17 percent of senior leaders in investment banking. In private equity, women comprise only 9 percent of senior executives and only 18 percent of total employees, according to a 2017 report by Preqin. At hedge funds and private debt firms, the numbers are similarly low — women hold just 11 percent of leadership roles.
“It’s refreshing to see the mindset around retirement evolve, particularly a strong optimism and a goal-oriented approach from younger generations,” said Aron Levine, head of Merrill Edge at Bank of America. “This focus is a great start, but one of the keys to a successful retirement is to ensure savings are prioritized early and often. Year over year, we continue to see today’s non-retirees struggle with the impact short-term spending has on their long-term financial future.”

Clearly, the caution signs are there, but the good news is that you can start doing something about it now. If you don’t know much about retirement planning or investing, purchase a beginner’s book, join an investment club, or find a financial advisor that you trust who can teach you more about the topic. It is never too late to start planning and increasing your financial literacy. The statistics concerning women and investing show that we need to do something, and the earlier we start, the better.
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.
It’s incredibly beneficial to your career to broaden your network outside your immediate team. If you build relationships with colleagues in other teams or divisions, it’ll give you a support network you can turn to for career advice. I think that having a good network can also help you do your job better, because you are better connected to the wider business.
1. Get in the game. Women are participating in their employers’ retirement plans at the same rate as men. The problem is, they typically save less—an average of 6.9 percent of pay compared to 7.6 percent for men, according to 2013 a report by Aon Hewitt. Many also don’t contribute enough to take advantage of any company match. This makes it harder for women to build sufficient savings to fund retirement. In fact, according to the Aon Hewitt report, women have average plan balances that are significantly less than men’s, consistently across all salary ranges ($59,300 for women vs. $100,000 for men). The solution? Bast urges women to take full advantage of their retirement plans as soon as possible. “The key to building wealth is to start early, set aside as much as possible and always contribute at least as much to get any employer match that may be available.”

I always hear about the frat-like feel, models and bottles etc .. But where do the girls fit in here ? What is the male to female ratio like ? Do the females hang out separately from the males, or do they join in on the bottle popping ? What about the females on the higher ranks of this career ? What do you think is generally the kind of girl that goes for this field ?

Conventional wisdom “blames” women for this gap. We receive messages that we’re not as good at math as men; we’re not as good at investing. Um, no. Studies have found that once women do invest, they outperform men by nearly one percentage point a year. This was confirmed recently by Fidelity, which analyzed the performance of 8 million retail clients in 2016. Typically women outperform because they don’t overtrade, panic in down markets, or pay too much in fees.

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.
Once you meet all these requirements, you can open your own investment accounts. If you fit that bill, then check out our Investing 101 guide to get more details on how investing works. Then, head over to our checklist that will give you the steps to opening an investment account. And, if you know you’re ready, there’s no better place to start than our Start Investing Bootcamp. 
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