Key takeaways

  • Women are less likely to engage in investing than men due to the risks associated with it.

  • Engaging with your money, outlining your financial goals, and working with a financial professional are a few steps you can take to feel empowered in making investing decisions.

Only a quarter of women in the U.S. invest in the stock market.1

That said, when women do invest, their portfolios tend to outperform men’s. In fact, studies over the past two decades show that, generally, women investors make less risky investments, hold investments longer and see higher returns.2

Studies over the past two decades show that, generally, women make less risky investments, see higher returns and hold investments longer.

What percentage of women invest?

One reason women are less likely to invest than men may be that they see the stock market as too risky. According to U.S. Bank’s 2020 Women and Wealth Insights Study, a majority (72%) of women say financial security is a main motivator for building wealth, compared with 59% of men.3

Statistics indicate that when it comes to financial planning for women, a majority hold their financial future in high regard, as women tend to be more concerned with their long-term savings. When discussing women and investing, it isn’t surprising that 43% of women fear they won’t have enough saved for retirement, versus 33% of men.3 When looking toward the future, it’s important for women to take financial planning to the next level by bringing investment options to the forefront.

However, investing for women can be a vehicle to financial security rather than a risk. Investing has the potential to help you make progress toward financial goals. Whether building a child’s college fund, saving for retirement or growing your overall wealth, there are many reasons why women should invest. Great for both experts and novice women investors, there are a handful of investing basics that can help you work toward a diversified portfolio.


5 investment tips for financial intelligence

Here are five steps you can take to help you feel more engaged in your finances and empowered in your investing decisions.

  1. Know your financial goals. Whether you’re saving for a vacation, a home or retirement (or all three), knowing what you want to achieve can help you make the most of the money you’re investing.
  2. Evaluate your investment approach. Whether from a financial professional or a website, evaluations can provide insights into how you approach money and help you understand things like your investment risk tolerance.
  3. Seek out a financial professional. A professional can help you better understand your approach to investing, as well as your options. Be clear when discussing what you want for your future. The more candidly you lay out your goals, the easier it will be for them to help you choose the best investments to generate the financial return you will need.
  4. Contribute as much as you can. The answer to when to invest is usually now. When it comes to how much to invest, aim for as much as possible, especially early on, to take advantage of compound interest and time in the market. Maximizing 401(k) contributions is a good way to make investing essentially automatic.
  5. Engage with your money. Women are less likely than men to talk about money with friends, use finance-tracking apps and watch money-related TV shows.3 Finding resources that offer helpful investment strategies for women can make investing and managing finances less stressful—maybe even fun.

Learn about your investing choices.

Take the quiz

Offered by U.S. Bancorp Investments

Related articles

Investing through workplace retirement plans

Workplace retirement plans allow you to invest with ease while working toward financial security.

Retirement planning for women: How to plan for a successful retirement

A comprehensive financial plan can help you approach your retirement with confidence.


Start of disclosure content
  1. The Financial Future is Female. S&P Global, March 2019.

Start of disclosure content

Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.

U.S. Wealth Management – U.S. Bank is a marketing logo for U.S. Bank.

Start of disclosure content

U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

The information provided represents the opinion of U.S. Bank and is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide specific investment advice and should not be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation.

U.S. Bank does not offer insurance products but may refer you to an affiliated or third party insurance provider.

U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc.

Equal Housing Lender. Deposit products are offered by U.S. Bank National Association. Member FDIC. Mortgage, Home Equity and Credit products are offered by U.S. Bank National Association. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.