According to research, almost 71% of assets owned by women are in the form of cash. In other words, the women never invested their property.
Basically, the possibility of a woman to make an investment is indeed relatively smaller. If at the end of the day they think about investing, it starts at an older age.
Important Reasons Why Today’s Women Need To Invest
Based on a study conducted by Merrill Lynch, about forty one women have the hope of being able to invest more of their personal money. So, why investment can be an important part of financial affairs? Check out the following reasons.
Help Achieve Financial Goals
Not a few people who want to save, either for emergency funds or continuing education. In fact, just saving for the necessities of life such as, for example, wedding expenses. Well, know that investment turns out to be the most appropriate way to achieve these goals.
Financial independence and equality
The main reason why women should invest is financial independence and equality. This is related to various problems around the pay gap, which in fact is influenced by gender. There is even a gender tax issue that is quite widely heard in Indonesia.
Well, who would have thought if investing was the best way to ensure, the women actually have the potential to accumulate nominal wealth as well as the men.
Preparing for retirement in the future
Have you ever heard of a probability that could actually happen? That women who keep the same amount of money as men, they will never get the same amount.
This is because the income that has been obtained by women tend to be smaller than the Adam. Again, this is still related to the heat of the pay hole gender issues that occur among the community.
In addition, there is also an opinion that states that money will be difficult to survive in the hands of women if saved without the right investment strategy. By investing, women will find it easier to manage their retirement funds.
Determine the investment strategy according to personal financial profile
Basically, portfolio management and investment strategies are divided into two different things, namely conservative and aggressive. In general, conservative strategies tend to put far more money into money market or bond type investments.
While aggressive strategies tend to put more money on risky instruments or those that move quite actively, as is the case with the stock market. For conservative investments tend to be more stable even though they do not provide maximum nominal returns.
On the contrary, aggressive investment promises high returns over time. But still have a high enough risk anyway.
Be aware, the strategy used can be a mixture of both types of investments. Remember, the investment you choose must be in accordance with your financial goals, risk tolerance, and timeline.
Make sure when your goals change or you want to cash out the investment, then you need to adjust your risk tolerance and priorities again. Agat did not take a wrong step in making a decision.
Tips For Choosing The Best Investment Platform
One of the most brilliant ideas you can do is to seek professional help if you feel less expert when it comes to investing. There are so many investment managers that you can choose as a beginner investor.
Even so, you should not be careless in choosing because this is related to money matters. There are several ways to choose the best investment platform, including the following:
Choose a company that falls into the fiduciary Category
Fiduciary can be an unfamiliar term for novice investors. Know, fiduciary means a company that is legally bound to perform various forms of prison actions according to customer demand.
But unfortunately, not all investment or broking companies can be categorized as fiduciary. Therefore, you must be able to understand every element given before deciding to sign anything with any party.
Understand the strategies used
It never hurts to talk about investment strategies with companies that you consider potential. You need to know, that there are some companies that have made a portfolio in such a way and some are not. Thus, you can do unloading depending on the needs of each.
Not a few also carry automatic systems as well as dem components to design the best instruments for its customers. Basically, every company offers a different strategy. Therefore, you should choose a company that looks able to achieve the financial goals that you have implemented.
Choose a company that supports women
You should choose a company that actually supports your financial goals while being able to understand how unique the challenges will be faced by women in this one industry.
However, it does not directly affect the return you will get. Choosing a company with a vision that supports women can be quite helpful to obtain financial equality in the long run.