“girls are bad at math” – it starts in elementary school. The prejudice that women can’t supposedly with Numbers, ripens in the course of life that women also have little idea of Finance (want to). Instead, you leave money ask your Partner or neglect them entirely. Men, so the adoption have on financial of the better hands all the time, just ask. Classic drawer think. But, of course, prejudices such as these are often wrong.
The show also current surveys and studies, the prejudice, with the most common around women and Finance, clean up – but also a couple of inconvenient truths and ready.
bias-1: Many women don’t know anything about financial and insurance issues
The survey of Innofact on behalf of the LV shows in 1871 to the year 2018: Only 5.8 percent of the women fall in financial and insurance topics completely in the dark (in the case of men it is 3.8 percent). However, the results also make clear that women have too little confidence in their financial and insurance knowledge. Almost half of the respondents (47.7 percent) indicated that financial and insurance issues, in principle, interesting. At the same time, you do not have to worry, however, that their Knowledge is sufficient to be self-active.
About 28 percent of the women know to their own information, nevertheless good or even very good – in the case of the men, however, claim more than 50 percent.
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prejudice 2: are women worse investors
women are not risk-averse, invest and fear before loss of capital should have? Nonsense. The securities custody accounts of female private investors achieved in the past year, an average of 24,11 percent return. Men, in contrast, only 23.5 per cent. The results of a private investor analysis of the ING Germany. The Bank evaluated the developments in the securities accounts in the year of 2019 for the first eleven months of 806.000 German customers. Women were better investors, at least over this period of time. In 2017, the men had the nose in front.
the prejudice 3: women are in age, financially dependent on the other
Although the majority of women (77 percent) want to be at the age to be financially independent. However, just under half (49 percent) believes that they will achieve this goal. At least this is the result of a Forsa-survey on behalf of the GDV from the year 2019.
A study by the Organisation for economic development and cooperation (OECD) is also cause for concern, according to the pension gap of women is in no other European industrial country as big as in Germany. Women receive an average of 46 percent less pension than men, as is clear from the results of the study. The average of the examined 27 OECD countries, it is only 25 percent. “Germany is bringing up the rear,” said the head of the social policy division, Monika Queisser. “That’s not coming from the pension system, but from the labour market.” The reason: women often earn less than men, make your career the family for the sake of the back and work more in part-time.
The Problem: Who earned very little or long part-time working, gathering only a few pension points and has aged even a smaller get along. The Federal Statistical office (Destatis) announced on international women’s day on 8. March 2020, almost half of the employed women in Germany (47 percent) worked for the year 2018 in a part-time, in the case of men it was only one-eleventh (9 percent).
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