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| Joined: 27 Jun 2013 |
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Finance is indeed a woman's cup of tea
When the Finance Minister announced in the Budget plans to start an all-woman bank,[link widoczny dla zalogowanych], it drew some predictable jibes from the male Twitterati. new bank only for women in India? The moment Zara announces its sale,[link widoczny dla zalogowanych], this bank will announce its bankruptcy,[link widoczny dla zalogowanych], said one.
These reactions underline the stereotyping of women and money,[link widoczny dla zalogowanych]. Women splurge on shopping,[link widoczny dla zalogowanych]. They don get finance because numbers make their pretty heads swim. They get easily conned by get-rich-quick schemes
We have all heard innumerable jokes about how women are addicted to shopping. Women may enjoy shopping,[link widoczny dla zalogowanych], may talk about it,[link widoczny dla zalogowanych], may spend more time in the shops or browsing online and may even make frequent shopping trips.
However, data from UK 2012 Baines and Ernst survey on spending habits showed that men spend more than women on online purchases and on average spend 15 per cent more on credit card purchases. The higher online spending by men was observed in countries such as US and Australia as well.
The study also showed that online and offline,[link widoczny dla zalogowanych], men tend to spend on luxury items rather than necessities.
The top spend of men is for liquor and big-ticket items such as cars and gadgets,[link widoczny dla zalogowanych]. Women shop more often and their purchases include essentials kids and household items,[link widoczny dla zalogowanych].
While Indian women have been closing the gender gap,[link widoczny dla zalogowanych], data from other Asia/Pacific regions showed that in 10 out of 14 countries,[link widoczny dla zalogowanych], women showed better financial literacy scores than men.
Also, the survey has seen an increase in women scores over the three-year period since it was started.
Across a wide spectrum of women,[link widoczny dla zalogowanych], especially in rural and semi-rural areas,[link widoczny dla zalogowanych], women self help groups and micro-credit programs have played an important role in increasing the level of financial literacy and in advancing women economic empowerment.
those dull FDs. Give me that Rs 20,[link widoczny dla zalogowanych],000 and I double it for you in a month Women save more and even without a direct source of income,[link widoczny dla zalogowanych], 60 per cent of women in India who are housewives are able to save a minimum of 5 to 10 per cent of their household income.
It is widely believed that women higher risk aversion deters them from achieving high returns,[link widoczny dla zalogowanych].
But a study by consulting firm Rothstein Kass found that female hedge fund managers handsomely beat the global hedge fund index return of 2.7 per cent, by earning a 9 per cent through the third quarter of 2012.
Over a five year period,[link widoczny dla zalogowanych], women led funds outperformed both the HFRX Global Hedge Fund Index and the S 500.
A risk adverse attitude that potentially helps escape market volatility was cited as the reason for the out performance,[link widoczny dla zalogowanych].
In the US, a study over a 6-year period found that men trade 45 percent more than women and earn 1.4 per cent less annual net returns (risk-adjusted) than women. The lower return was attributed to the frequent trading by men,[link widoczny dla zalogowanych], driven by over confidence.
Need we say more? These statistics show that, yes, women don invest for an adrenaline rush. But they sure can make a return if they set their mind to it.
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