Saving and Investing

Mariko Lin Chang

in Shortchanged

Published in print September 2010 | ISBN: 9780195367690
Published online September 2012 | e-ISBN: 9780199944101 | DOI:
Saving and Investing

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This chapter examines the extent to which the women's wealth gap is exacerbated or mitigated by the ways that men and women save and invest their money. When it comes to saving and investing, women and men do have different portfolios. Women are less likely to own assets that are considered more financially risky but that also have the highest average rates of return over time: stocks, investment real estate, and business assets. Women are often caught in a financial Catch-22: their lower disposable incomes put them at a disadvantage for building savings, and their lack of a financial safety net means that their smaller nest eggs are subject to depletion in crisis situations. Because of these two factors, they cannot afford the risk and the long time horizon necessary to secure higher rates of return on investments.

Keywords: women's wealth gap; investment returns; business assets; financial risk; financial Catch-22; financial safety net

Chapter.  7401 words. 

Subjects: Gender and Sexuality

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