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.
In Fact
Women want to be served with a different dialogue that places greater focus on their aspirations as opposed to pure investment outcomes.
Did you know?
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?
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?
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?
Career
- 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?
Stability
- Before deciding on a property, what is its market value? What is the best way of financing it?
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?
Retirement
- Assessing the future is a crucial factor. Have you thought about when to stop working, pension schemes and health expenses?
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?
Take action
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