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How are female investors choosing to invest?


Late last year we wrote a piece on the UK gender investment gap. At that time, the gap stood at £599bn, including pensions: while 6.4 million UK women hold investment products, this figure stands at 9.7 million for men. 

Various bodies within the industry are working to tackle this gender investment gap – and we revealed some of the potential solutions in our earlier blog post. But amongst those women who are investing, what are the investment vehicles of choice? 


Crypto is king

In mid-December, eToro surveyed 10,000 investors across 13 different countries. When split by gender, the results of the survey showed that crypto holdings are growing faster amongst women than men, now ranking as the second most held investment (after cash) by female investors. In Q3 2022, 29% of female investors stated that their portfolio included crypto – a figure which rose to 34% in Q4. This is significantly greater growth than amongst male investors, for whom the figure rose from 42% to 43% in the same period. 

Despite the jump in crypto ownership for women, the figure still remains higher for their male counterparts – and the number of men investing in total still remains higher than the number of women. So, why don’t women invest more? 


The reasons why women don’t invest more

As we explained in our previous blog post, there are certain life events that present challenges for women – and these life events (which include motherhood, solo parenting and ageing parents) can potentially prevent women from investing. 

In more qualitative terms, Anna Sofat of Addidi – a firm that advises women on their finances – believes, from what she’s heard from her clients, that women have different attitudes to money from men, and that they want to achieve different things from their investments. 

Women, she says, may have more of a tendency to ringfence their money – putting funds aside for their children’s education, for example, while she believes that men often have a more relaxed approach, which may also impact the level of risk that men and women are willing to take. In terms of financial goals, she says that many of her female clients are aiming for financial security for themselves and their families. She also believes that the sales-oriented approach of many financial advisors – as well as the lack of female financial advisors – may put some women off. 

What can be done to make investing more accessible and more appealing to female investors?


“Stable Rise Limited is not authorised or registered by the Financial Conduct Authority. The marketing materials are not intended to provide financial advice nor promote any individual financial products.”

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