Women, Property and Value: Debunking 3 Legend of Investment

For decades, the financial world has been operating under the assumptions about the risk of women’s risk, financial connection and investment choices. While these assumptions have some truth in Histor, they are now as old legends. Today, women are controlling more wealth than before, shaping businesses, influencing investment markets, running economic policies, and having major leadership in the boardroom.

This progress is clear in corporate leadership, where women in India make 21% of the top 200 companies, which exceeded 19% in 2023, according to a Russell Reynolds Associates study – this trend that is no longer run by regulatory requirements. This shift is not limited to the boardroom; Women are traditionally making significant progress in male-dominated areas, reflecting a widespread change in both corporate and economic leadership.

Despite these progress, obstacles continue – whether it is adventure capital, financial education, gaining equity of pay or removing gender wealth distance. The question is no longer whether women are in charge of their wealth –They are already. The real challenge is that the financial industry is becoming faster enough to meet their developing needs.

This International Women’s Day, let’s better understand 3 consecutive legends, their financial strategies and the systemic shifts needed to support them.

Myth #1: Women are anti -risk investors

Reality: Women are at risk rigid-and that’s why they often go ahead

Stereotype is misleading for women to stay away from risk; Women do not avoid risk, they evaluate it differently. His approach to risk is shaped by structural, mental and practical factors such as longevity, career breaks and care responsibilities. These life transitions and their economic uncertainty aware of women, making long -term financial security more intentional and target -oriented for women investors and women.

Risk awareness, in fact, is a crucial feature for investors. Therefore, it may not be surprising that female investors carry on average 0.4% of the annual average (according to a study by loyal investments). This arises from many factors: the frequency of low trade is invested by market fluctuations, and prioritizing long -term financial development. In other words, outperformance is the result of their strategic risk management and sensitive risk awareness.

If the data is strongly pointed in the other direction, why does this legend still continue?

One of the reasons is that traditional financial education and consultant Models Delo has rarely focused on women, leading them to “safe”, low -yielding products, permanent cycles. The real issue is not a risk of risk – it is a financial system that has not fully accepted their strategic approach to wealth.

Myth #2: Women are not included in investment decisions

Reality: Women are taking control of their wealth, but structural barriers remain unchanged

Women are passive financial participants, the imagination that depends on spouse or family members for investment decisions is getting older. AMFI study reveals that women investors now account for over 25% of individual investors and personal AUMs in India’s mutual fund industry. Their share of mutual fund assets increased from 15% in 2017 to about 21% in 2023, with a sharp increase in small cities (B -30 cities), which is 17% to 28%. Since these are inactive wealth holders, they indicate a vague change from active financial decisions to the consumers.

Nevertheless, the disparity of the fund remains unchanged. According to the Pitchbook report, the women -led deals increased from 5.6% to 7.1% in 2019, with the total capital falling from 2.6% to 2.1%. Although the startups of more women are protecting deals, they receive disproportionate funds than the male -led companies.

Myth #3: Women stick to ‘safe’ asset classes

Reality: Women are diverse in their portfolio – but historical fiestial preferences still play a role

HIST, gold has been an important economic property for women, which act as a financial security net. But now, investment patterns are developing. The National Stock Exchange (NSE) has reported that women investors are up to 22% of the Indian stock market. Similarly, a report by the state

Bank India F India (SBI) discovered that women are forming a new entrance to the Indian stock market.

Beyond public markets, women are strategic moves in alternative property categories. Shark tanks like the rise of female investors on India, like Namita Thapar, Vinata Singh and Radhika Gupta, highlights this influence. Women-leading Angel Investment Networks are supporting high growth startups, promoting more incorporated entrepreneurial ecosystems established by many women. In the capital’s capital space, more women are entering the role of leadership as limited partners (LPS) in funding, which trusts them in areas such as healthcare, fintech and sustainable businesses.

The future of women in wealth

Older legends about women and investments are dispersed, but progress is uneven. Women are proving strong, strategic investors, yet they face infrastructure in the financial industry, challenges and bias.

Financial institutions, venture capital companies, and a large number of industries must actively adapt to ensuring that women’s financial power is recognized and integrated at every level. This is not just about inclusion – it is to change the financial markets that reflect the realities of women’s wealth creators, investors and economic leaders.

(Author Managing Director and Head of Heritage, Waterfield Advisors)