{"id":11304,"date":"2025-05-30T17:06:12","date_gmt":"2025-05-30T17:06:12","guid":{"rendered":"https:\/\/fintech.global\/wealthtech100\/?p=11304"},"modified":"2025-05-30T17:06:12","modified_gmt":"2025-05-30T17:06:12","slug":"are-wealth-firms-doing-enough-to-support-women-investors","status":"publish","type":"post","link":"https:\/\/fintech.global\/wealthtech100\/are-wealth-firms-doing-enough-to-support-women-investors\/","title":{"rendered":"Are wealth firms doing enough to support women investors?"},"content":{"rendered":"
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Women in the UK are on the cusp of a financial revolution. By the end of this year,\u00a0<\/span><\/b>projections suggest<\/span><\/b><\/a>\u00a0they\u2019ll control 60% of the nation\u2019s wealth\u2014a seismic shift driven by inheritance and entrepreneurship. Beneath this milestone, women are still sidelined when it comes to investing.\u00a0<\/span><\/b>The Financial Conduct Authority (FCA)<\/span><\/b><\/a>\u00a0reports that just 13% of women held a stocks and shares ISA in 2022, compared to 22% of men.\u00a0<\/span><\/b>So, as women\u2019s wealth swells, are wealth firms doing enough to help them grow it? The evidence suggests they\u2019ve barely scratched the surface.<\/span><\/b>\u00a0<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n

Jurgen Vandenbroucke, managing director of\u00a0<\/span>everyoneINVESTED<\/span><\/a>, sits down with\u00a0<\/span>FinTech Global<\/span><\/a>\u00a0to offer his expert insights on the topic.<\/span>\u00a0<\/span><\/p>\n

A former general manager at\u00a0<\/span>KBC Group<\/span><\/a>\u00a0and a lecturer in financial engineering and behavioural finance, Vandenbroucke is a man who straddles the worlds of high finance and academia with ease.<\/span>\u00a0<\/span><\/p>\n

Touching on the enormity of the subject, he leans forward and declares: \u201cWe are on a mission to get everyone invested, which of course is by definition a very inclusive goal, because it includes the young and the old, the less financially literate and the more financially literate, and yes, men and women.\u201d<\/span>\u00a0<\/span><\/p>\n

A Different Approach to Risk<\/span><\/b>\u00a0<\/span><\/p>\n

Vandenbroucke\u2019s work at everyoneINVESTED offers a window into the distinct needs of women investors.<\/span>\u00a0<\/span><\/p>\n

\u201cAnd yes, we do find that, on average, women balance risk and reward differently than men,\u201d he says, citing research across France, Italy, and the UK.<\/span>\u00a0<\/span><\/p>\n

\u201cOur research in different countries confirms academic findings that women are more risk-averse than men. In other words, men tend to be more risk tolerant and even overconfident.\u201d<\/span>\u00a0<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n

Yet, Vandenbroucke cautions against overgeneralisation, saying, \u201cYou can drown in a river that is 1 meter deep on average. Within each group there is a large dispersion around the average, so there is a lot of diversity within each group.\u201d<\/span>\u00a0<\/span><\/p>\n

This wariness matters, because the reality is stark as women\u2019s apparent aversion to risk often reflects cold, hard circumstance rather than mere disposition.<\/span>\u00a0<\/span><\/p>\n

Lower earnings, fractured careers, and a savings shortfall at retirement age force a sharper focus on security over speculation.\u00a0<\/span>For instance, women\u2019s private pension wealth<\/span><\/a>\u00a0at age 55 is 35% less than men\u2019s, based on 2018\/20 data.<\/span>\u00a0<\/span><\/p>\n

Barriers to Entry<\/span><\/b>\u00a0<\/span><\/p>\n

So why aren\u2019t more women investing? The barriers are legion: uncertainty about where to begin, a lingering sense of exclusion, and the blunt fact of having less to play with due to the stubborn chasm that is the gender pay gap.<\/span>\u00a0<\/span><\/p>\n

Per the Office for National Statistics<\/span><\/a>, women earned 7.7% less than men among full-time UK workers in April 2023.<\/span>\u00a0<\/span><\/p>\n

With this in mind, many women, tethered to modest means, cling to the familiarity of cash savings\u2014however inflation gnaws away at their value\u2014rather than braving the stock market\u2019s choppy waters.<\/span>\u00a0<\/span><\/p>\n

A 2024 Aviva report found<\/span><\/a>\u00a0that 35% of women invest in cash ISAs compared to just 17% in stocks and shares ISAs.<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n

Vandenbroucke sees this as a failure of engagement. \u201cAt everyoneINVESTED, we place the relationship between the investor and the investment in a digital context,\u201d he explains.<\/span>\u00a0<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n

\u201cFrom investor onboarding to investment proposal and portfolio reporting, we focus on technology that addresses the emotional component of investing without the need for human encouragement or advisor assistance. This not only reduces operational costs and improves the scalability of investment services, but also includes a relentless focus on client needs and preferences across the board.\u201d<\/span>\u00a0<\/span><\/p>\n

Room for Improvement<\/span><\/b>\u00a0<\/span><\/p>\n

If wealth firms want to tap into this growing market, they\u2019ll need to rethink their approach.<\/span>\u00a0<\/span><\/p>\n

Vandenbroucke urges a shift from one-size-fits-all products to nuanced profiling,\u00a0<\/span>\u201cOur advice to partner banks is to install an enhanced and refined profiling tool that captures client preferences in detail, rather than making a priori statements simply because the investor is a woman or a man.\u201d<\/span>\u00a0<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n

The need is pressing, with too many women still finding the financial world opaque and unwelcoming, their instincts for sustainable choices ignored, their hesitancy met with impatience rather than insight.<\/span>\u00a0<\/span><\/p>\n

A 2024 Finder survey unveiled<\/span><\/a>\u00a0that 42% of women have invested at some point, up from 32% in 2023, yet 60% of men have.<\/span>\u00a0<\/span><\/p>\n

Bridging this gap demands not just better tools but a fundamental shift in attitude\u2014listening harder, explaining clearer, and meeting investors where they stand.<\/span>\u00a0<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n

High Stakes<\/span><\/b>\u00a0<\/span><\/p>\n

Looking ahead, a vast transfer of wealth looms on the horizon, and failing to adapt could mean failure to survive for many firms.\u00a0<\/span>Hargreaves Lansdown estimates<\/span><\/a>\u00a0women are set to inherit 70% of global wealth over the next two generations.<\/span>\u00a0<\/span><\/p>\n

The guise that the future should hold is clear according to Vandenbroucke, \u201cWhen it comes to investor preferences, there are of course regulatory requirements that need to be met. In this context, we talk about suitability assessment in general or refer to the MiFID regulation in Europe. Many may see this as just another regulatory requirement. We see it as an essential part of building a long-term relationship with investors.\u201d<\/span>\u00a0<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n

As we wrap up, he adds, \u201cOur innovative solution is based on user interaction and draws on behavioural finance insights to quantify multiple, complementary aspects of investor preferences when it comes to balancing risk and reward.\u201d<\/span>\u00a0<\/span><\/p>\n

It\u2019s a mantra wealth firms would do well to adopt\u2014because if they don\u2019t, women\u2019s wealth may flow elsewhere, and the gap they\u2019ve long lamented will only widen.<\/span>\u00a0<\/span><\/p>\n

Keep up with all the latest FinTech news\u00a0<\/span>here<\/span><\/a>\u00a0<\/span><\/p>\n

Copyright \u00a9 2025 FinTech Global<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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Women in the UK are on the cusp of a financial revolution. By the end of this year,\u00a0projections suggest\u00a0they\u2019ll control 60% of the nation\u2019s wealth\u2014a seismic shift driven by inheritance and entrepreneurship. Beneath this milestone, women are still sidelined when it comes to investing.\u00a0The Financial Conduct Authority (FCA)\u00a0reports that just 13% of women held a […]<\/p>\n","protected":false},"author":5,"featured_media":11305,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"\nAre wealth firms doing enough to support women investors? - WealthTech100 for 2026<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fintech.global\/wealthtech100\/are-wealth-firms-doing-enough-to-support-women-investors\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are wealth firms doing enough to support women investors? - WealthTech100 for 2026\" \/>\n<meta property=\"og:description\" content=\"Women in the UK are on the cusp of a financial revolution. 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