Women's wealth

A new approach to financial planning

As life expectancy increases, women in many countries are likely to live into their nineties. In response, women need to focus more than ever on their long-term financial needs, such as planning for retirement, long-term care and insurance.

Our research shows that women who participate in long-term financial decisions not only increase their chances of financial security but feel more positive about the future.

Make a fresh start. Together, we’ll help you put the right financial plan in place.

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Together, we can help you shape your wealth.

In Fact

Women want to be served with a different dialogue that places greater focus on their aspirations as opposed to pure investment outcomes.

88% of women want to make a positive social impact – want to invest socially responsible1.

80% of women will have to manage money on their own at some point in life2.

Women tend to use their wealth as a source of safety rather than as a chance.

Did you know?

BR-169107-APAC Women site_04

Our research1 revealed that many women delegate long-term financial decisions – such as investments, pensions and insurance – to their spouses when they get married. That’s risky. As life moves on, different circumstances and events can force women to take control of their finances – when they’re least prepared to do so.

But it’s a different story for women who share decisions with their partners about long-term finances. They feel confident about the future and their money today, and they’re better prepared for whatever might happen tomorrow.

Life events

Few life journeys are neatly mapped out. More often, life presents us with forks in the road and detours. We take on these challenges because they enrich our lives – even if some of them are less welcome than others. But one thing remains true: a long-term asset development plan that safeguards your wealth will prepare you for many of life’s twists and turns.

Whatever phase of life you’re in, know what to keep in mind when it comes to your finances.

First job

  • Are you taking control of your personal finances and contracts?
  • Are you making your first investments and analysing how much risk you can take on?
  • Are you protecting yourself from adverse events?

Partnership and marriage

  • Are you prepared for major expenses, such as buying a home, which often come at the beginning of your life as a couple?
  • Have you arranged your joint finances?
  • Since life doesn’t always go as planned, have you found a suitable setup for a shared future?

Family and children

  • Have you assessed and prioritized your goals and made sure they’re in line with your added family members' expenses? Have you considered the great importance you will attach to your children’s education and to fulfilling their dreams?
  • Having children is often paired with a phase of increased expenses. What impact do these changed conditions have on the long-term development of your wealth? Who will ensure that the assets they inherit are preserved and used properly?


  • Standing on your own feet financially, the question of how to invest sensibly becomes relevant. How much risk are you able and willing to bear?  What short- to medium-term goals and wishes would you like to finance?
  • How to continue building up assets for future goals and set up your own investment portfolio at an early stage? How can you safeguard your desired standard of living over the long term? Which pension instruments are worth investing in?


  • Before deciding on a property, what is its market value? What is the best way of financing it?
  • What are you passionate about? People often wish to give something back to society by helping those less fortunate, getting involved in environmental projects or finding other worthy causes. How should you proceed to ensure that your money gets to the right place?

Separation/ new partner

  • In the event of a divorce, joint assets and retirement assets are divided. Have you considered that this may lead to a significant change in your financial situation?
  • Have you considered that finances and contracts will need to be unravelled and adapted to your new circumstances?
  • Are you aware of how important it is to rebuild your financial independence and confidence?


  • Assessing the future is a crucial factor. Have you thought about when to stop working, pension schemes and health expenses?
  • Various retirement assets can be paid out when you stop working. Have you taken into consideration the fact that they’re taxed differently from other income?
  • Have you gauged how much financial flexibility you’ll have, especially as your focus might begin to shift towards travel, grandchildren, voluntary activities and realizing personal dreams and hobbies?

Gifting and inheritance

  • In many cases, some or all of your assets may already be earmarked for loved ones. If so, have you thought of involving them in your current investment decisions?  Would your successors invest the same way as you?
  • Do you have arrangements in place for the assets you wish to pass on? Don’t forget to check if special tax rules should be taken into account, including foreign rules.

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