More women than ever are in the workforce, they are starting business at twice the rate of men, and about a third of working women earn more than their spouses. The male oriented world of financial services is taking note.
As women have become a powerful force in business, many have caught up with men in terms of earning power and assets. In fact, 43 percent of Americans who have over a half a million dollars in assets, are women, and financial services firms are increasingly servicing this high net worth group. Many of these women have different priorities than men when it comes to managing their money.
A recent Merrill Lynch survey of wealthy women, those with three million dollars or more in investable assets, found nearly all of them work with an advisor of private money manager. Women, are very interested in relationships, feeling comfortable with what they're doing, getting education about it.
Merrill's survey showed as they become more educated, wealthy women are interested in tapping into sophisticated investment strategies, like private equity or direct investments. And where wealthy women differ from most men is in their interests in socially responsible investing.
越來越多的女性走上了工作崗位,她們創(chuàng)業(yè)的增長(zhǎng)速度是男性的兩倍,有大約三分之一的職業(yè)女性收入超過了她們的配偶,一直以來把男性作為主要服務(wù)對(duì)象的金融服務(wù)領(lǐng)域正在關(guān)注著這一現(xiàn)象。
由于女性已經(jīng)成為生意場(chǎng)上的一支主生力軍,她們當(dāng)中的許多人在掙錢能力和財(cái)富方面已經(jīng)趕上了男性。而實(shí)際上,在擁有超過50萬(wàn)美元資產(chǎn)的美國(guó)人當(dāng)中,就有43%是女性。金融服務(wù)界正為這一擁有巨額凈資產(chǎn)的人群提供越來越多的服務(wù)。許多女性在管理金錢方面與男性的優(yōu)先順序不同。
美林證劵公司最近對(duì)那些擁有300萬(wàn)以上可用于投資資產(chǎn)的富有女性做了一份調(diào)查,報(bào)告顯示:她們中幾乎所有人都與理財(cái)顧問或私人金融經(jīng)理打交道 。女性通常對(duì)與他人的關(guān)系和他人的意見很感興趣,她們重視與他人保持長(zhǎng)期的關(guān)系,對(duì)自己的投資行為感到滿意,并從中學(xué)到知識(shí)。
這項(xiàng)調(diào)查還表明,隨著富有女性在這方面的知識(shí)積累越來越多,她們開始著手更為復(fù)雜的投資策略,如私募投資和直接投資等。富有的女性和男性最大的區(qū)別就是她們對(duì)那些負(fù)有社會(huì)責(zé)任的投資更感興趣。