Women in Investing Statistics 2025: Where Women Excel Most

Women are reshaping the investing landscape with growing confidence, stronger portfolio diversification, and increasing representation in finance. From mainstream brokerage activity to venture capital leadership, their financial footprint is expanding. Whether it’s Millennial women exploring crypto or Boomers prioritizing retirement savings, generational shifts are rewriting investment norms.

Industries like wealth management and fintech are adapting by designing tools and products that support women investors. Meanwhile, organizations push for gender-lens investing and inclusive financial literacy. This article explores in-depth statistics and trends on how women invest, how they’re changing the financial world, and what barriers remain. Dive into the data to see how this evolution unfolds.

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• Women outperform men by 0.4% annually on average in net portfolio returns.
• Recent brokerage data shows women are more likely to place buy-and-hold orders than men, with some platforms reporting over 90% of women’s orders being buy-oriented, compared to roughly 80–85% for men.
• Only 2.3% of venture capital funding went to female-only founding teams in 2024.
• 75% of women maintain a moderate to aggressive investment risk profile.
• Millennial women start investing at an average age of 27, compared to 36 for Boomer women.
• Between 40–55% of women report working with a financial advisor, though this varies based on wealth level and age group.
• Women hold 32% of their portfolios in equities versus 45% for men.

Recent Developments

• In 2025, women investors make up 48% of new brokerage account openings across major U.S. platforms.
• Some women-focused investing platforms, such as Ellevest, have reported user growth exceeding 25% year-over-year, reflecting rising demand for gender-specific financial tools.
• Women’s investment clubs and peer groups have grown by over 35% in the last two years.
• More than 50% of financial institutions now offer programs tailored specifically to women investors.
• 70% of women report feeling more financially confident than they did five years ago.
• Investment platforms report higher engagement from women in ESG (environmental, social, governance) offerings.
• Venture capital firms with female partners have increased from 6% in 2014 to 17% in 2024.
• Robo-advisors report that women engage with financial education tools more frequently than men.
• 61% of women now own individual stocks, up from 44% in 2018.
• The number of U.S. women investing in crypto has doubled since 2022.

Women’s Investment Participation and Confidence

• 71% of women invest, showing a strong rise in female participation in financial markets.
• Yet, only 1 in 6 women feels confident about reaching their long-term financial goals.
• This reveals a confidence gap despite growing investment activity among women.
• The data suggests women are more active investors than ever, but still face barriers in financial self-assurance and literacy.

Gender Investing Gap Overview

• Women invest 40% less money on average than men over their lifetimes.
• The average U.S. male investor holds ~45% of their wealth in equities, versus 32% for women.
• Women are 30% less likely to describe themselves as “confident investors” compared to men.
• The gender investing gap is estimated to cost U.S. women over $1 million in lost returns over a 40-year career.
• Women are more likely to delay investing, with 33% waiting until after age 35.
• Only 23% of women report being taught about investing growing up, compared to 45% of men.
• Women make fewer trades and hold investments longer, yet accumulate less wealth due to smaller contributions.
• Married women are more likely to defer financial decisions to their partners.
• Women’s lifetime earnings are lower, compounding the gap in investable assets.
• The financial industry has traditionally been male-focused, impacting inclusivity in tools and communication.

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How Many Women Are Investing?

• As of 2025, 71% of women own investments in the stock market.
• In 2023, only 59% of women reported owning stocks, showing a significant year-over-year increase.
• Among Gen Z women, 68% say they have investment accounts, either self-managed or through apps.
• In 2025, women account for 48% of all new investing accounts on digital platforms.
• Retirement plans like 401(k)s are the most common investment vehicles for women.
• 34% of women now invest outside of retirement accounts via brokerage platforms.
• In households where women earn more, 62% say they take primary control of investment decisions.
• The percentage of women investing in crypto assets grew from 12% in 2022 to 24% in 2024.
• 53% of women report being active in at least two investment vehicles.
• There is rising investment activity among women in the 25–34 age bracket.

Top Concerns Stopping Women from Investing

• 42% of women hesitate to invest because they don’t want to lose money, reflecting a strong focus on financial security.
• 39% are unwilling to take risks, showing that risk aversion remains a major barrier to entry.
• 38% say they don’t have enough spare money, indicating budget constraints and competing financial priorities.
• 26% cite not earning enough income, suggesting limited investment capacity among women in lower income brackets.
• 25% admit they don’t know what to invest in, pointing to a lack of clear guidance or accessible investment education.
• 21% say they don’t understand investment options, underlining the need for simpler, more transparent financial products.
• 19% reveal they don’t know how to make investments, showing that onboarding and educational support remain key to boosting participation.

Rate of Female Participation in Investing

• Among workplace retirement plans, women contribute an average of 9.8% of their income, similar to men.
• Brokerage data shows women represent 45% of users under the age of 35.
• 75% of women aged 30–45 report regular monthly investing habits.
• Passive index fund usage is up 20% among female investors since 2022.
• Women with higher education participate in investing at a 65% rate versus 42% without a degree.
• Women of color are investing at higher rates than in previous years, with participation up 18% from 2022 to 2024.
• Financial literacy programs focused on women have increased participation rates by 22% in enrolled groups.
• Women now represent 47% of robo-advisor clients.
• Peer-to-peer investing apps report a 34% increase in female engagement.
• Financial platforms note that women are more likely to automate contributions, improving consistency.

Age Trends and Generational Shifts in Female Investing

• Millennial women started investing at an average age of 27, compared to Gen Xers at 31 and Boomers at 36.
• 51% of Millennial women strongly agree they enjoy investing, vs 39% of Gen X and 18% of Boomers.
• 73% of Millennial women consider themselves investors vs 61% of Gen X and 47% of Boomer women.
• 28% of Millennial women have used options or futures vs 19% Gen X and 10% Boomer.
• 24% of Millennial women, 20% Gen X, 8% Boomer have participated in alternative investments.

Average Investment Amounts by Women

• Women enrolled in workplace retirement accounts invest, on average, 9.8% of their paychecks.
• Outside of retirement accounts, women investing in brokerage or other vehicles allocate about 9.5% of their income.
• The share of women owning stock increased by ~18% year-over-year, implying rising invested asset levels.
• Investing behavior suggests moderate contributions early on rather than large lump sums.
• Many Millennial women report diversifying into alternative investments, crypto, or options.
• Real estate platforms show growth in usage, suggesting women are placing capital into property-related investments.
• Advisors note that women often begin with modest average allocations and gradually increase as confidence and income grow.
• Some “high‑net-worth” women are increasingly active in private equity or venture allocations.
• Women are more likely to invest consistently through dollar-cost averaging than make one-time large investments.

Motivations and Goals of Women Investors

• Women are more likely than men to invest with goals such as retirement security, financial independence, and family support.
• 62% of women say their primary investment motivation is to not depend on anyone financially.
• Long-term planning is central, with 56% of women stating they invest to build generational wealth.
• 48% of women investors aim for early retirement or lifestyle flexibility.
• 44% of women prioritize funding education, whether their own or their children’s.
• Impact and values-based investing ranks higher for women, with 38% citing social causes as a motivator.
• 31% invests to support women-owned businesses or fund community development.
• Many women express a desire to make investments they understand and feel aligned with.
• Compared to men, women are more likely to tie financial goals to life planning (e.g., maternity leave, caregiving gaps).
• The desire to be role models or educate others about finance also motivates 21% of female investors.

Investment Product and Asset Preferences

• Women prefer diversified, low-cost investment products, such as index funds and ETFs.
• 67% of female investors use retirement accounts like IRAs and 401(k)s as their main investment vehicle.
• ETFs are favored by 41% of women investors, with growth led by Millennials.
• Mutual funds are still widely held by Boomer women, while younger generations lean toward ETFs.
• Real estate investment (direct or through REITs) is rising among women, particularly in coastal states.
• 24% of women report investing in crypto assets, up from 12% in 2022.
• Socially responsible funds and ESG-aligned portfolios are used by 37% of women, compared to 18% of men.
• Women are more likely to invest in education-related instruments like 529 plans.
• Interest in fractional shares, automated portfolios, and micro-investing has grown sharply among Gen Z and Millennial women.
• 20% of women surveyed in 2025 prefer hands-off investment models through robo-advisors.

Risk Tolerance and Investment Approach

• 75% of women maintain a moderate to aggressive risk profile, challenging the stereotype of ultra-conservatism.
• Women generally adopt a “goals-based” investment approach rather than market timing.
• Women tend to reassess risk at life transition points, such as job changes, marriage, or childbirth.
• They are more likely to diversify portfolios across asset classes, reducing exposure to any single risk.
• Studies show women are less likely to chase hot stocks and more likely to hold stable positions.
• Despite a lower frequency of trades, women are increasingly willing to test riskier products like options.
• Women are risk-aware, not risk-averse, often requesting more explanation of potential downsides.
• A large portion of female investors cite “control and knowledge” as key to managing risk effectively.
• Millennial women display higher risk tolerance than Gen X or Boomers, likely due to earlier market exposure.
• Financial advisors report that women ask more informed questions about risk scenarios and downside protection.

Impact of the Gender Pay Gap on Investing

• Women in the U.S. still earn 82 cents for every dollar a man earns, impacting investable income.
• Over a 40-year career, the pay gap leads to $900,000+ in lost wages, directly affecting long-term investment contributions.
• Women also face career interruptions more frequently, reducing continuity in investing habits.
• The gender wealth gap is larger than the income gap, due to lower starting salaries, raises, and compounding investments.
• Fewer women in executive roles means limited access to equity compensation, bonuses, and RSUs.
• Women have historically had less access to capital markets and formal financial education.
• Female entrepreneurs raise less startup funding, impacting wealth accumulation and reinvestment opportunities.
• Women contribute less annually to retirement accounts on average, largely due to lower earnings.
• The financial services industry has only recently begun to tailor products to women’s unique income patterns.
• Closing the gender pay gap would significantly enhance women’s ability to invest earlier and more often.

Advice-Seeking and Financial Education Habits

• 40-55% of women investors work with a financial advisor or private banker.
• Women are more likely to engage in group-based financial education, including clubs, podcasts, and webinars.
• 62% of women follow financial influencers on social media to enhance investment knowledge.
• Women prefer collaborative financial planning, involving spouses, family, or peer groups.
• Education-first investing is common; women often learn before acting, rather than learn by doing.
• More women now seek out certified female financial planners, citing comfort and relatability.
• Online platforms aimed at women have increased significantly, offering niche learning content.
• Women tend to ask more detailed questions during financial consultations.
• 70% of Gen Z women say they want to improve their investing knowledge in the next year.
• Programs targeting underserved female communities have seen a 40%+ jump in enrollment.

Performance and Returns: Women vs Men Investors

• Data from early 2025 shows 92% of women’s investment orders were buy orders, compared to 84% for men, suggesting women trade less frequently and hold positions longer.
• Trading reduces net returns for men by approximately 2.65% points per year versus 1.72% points for women.
• Women outperform men by ~1.8% annually when given equal opportunity.
• Women are 8% more likely than men to wait out market volatility rather than react impulsively.
• 62% of women own stock, but that ownership alone doesn’t capture performance differences.
• When men overtrade or time the market poorly, women’s steadier, longer-term approach can produce better risk-adjusted returns.
• In volatile periods, women’s tendency to hold rather than panic-sell gives them an edge.
• Some comparisons don’t fully control for capital size or access to strategies, but behaviorally, women often outperform.

Diversity in Portfolio and Asset Allocation

• Women hold a smaller equity share in their portfolios, around 32%, compared to 45% for men.
• This implies women often keep more in fixed income, cash, or defensive assets to reduce volatility.
• Women’s price awareness has risen from 60% in 2018 to 75% in 2023.
• They favor lower-fee passive funds, ETFs, and index strategies over high-fee alternatives.
• Women are twice as likely as men to integrate ESG factors into their investments.
• 24% of Millennial women have participated in alternatives such as private equity or hedge funds.
• Real estate and property-linked platforms show growing popularity among women investors.
• Many women adopt a core-satellite approach, combining stable base holdings with selective higher-risk assets.

Women in Venture Capital and Startup Funding

• 2.3% of global VC capital went to female-only founding teams in 2024.
• Mixed-gender teams received 14.1%, and all-male teams received 83.6%.
• At the seed stage, women-only teams received 3.2%, and just 1.8% at later stages.
• Female-founded startups received 6.4% of deals but only 2.3% of capital.
• Women are 28.1% less likely than men to secure follow-on funding.
• Women founders raise ~53% less for their next ventures than their male counterparts.
• Women now hold 17% of decision-making roles in U.S. VC firms.
• All-women teams manage only ~10% of team-led VC funds.

Female Representation in Wealth Management and Finance Professions

• Women lead 19% of solo-managed investment funds and are part of 42% of team-led funds.
• Yet fully female teams form only ~10% of group-managed funds.
• Women are underrepresented in senior finance roles such as portfolio leads and rainmakers.
• 18.6% of key venture roles (partner and above) are held by women.
• Women in financial advisory roles are growing, but still face barriers to promotion.
• Firms are responding to demand by hiring more women advisors.
• Representation is expanding in fintech startups led by or designed for women.
• The growing female investor base is influencing hiring and leadership practices across financial firms.

Historical Trends and Progress in Women’s Investing

• Historically, ~40% of women invested in equities versus ~60% of men.
• By 2023, ~62% of women reported owning stock.
• It is projected to take 123 years to reach full gender parity in economic participation.
• Women’s tertiary education enrollment rose from 19% in 2000 to 46% in 2024.
• Women’s price awareness increased from 60% to 75% over five years.
• Confidence in achieving financial goals rose from 51% to 54%.
• More women are leading investment platforms and communities than ever before.
• Digital tools have removed many traditional access barriers for female investors.

Frequently Asked Questions (FAQs)

Conclusion

The data show clear gains: more women investing, earlier entry into markets, rising confidence, and smarter behavior. Yet, structural gaps remain, particularly in capital access, leadership roles, and wealth accumulation compared to men. Women’s more deliberate, cost-aware approach may yield higher net returns over time, but closing the gender investing divide requires coordinated progress in education, representation, and capital inclusion. The statistics above offer both a snapshot and a roadmap for change. I invite you to explore deeper insights in the full article, including visual charts, sector breakdowns, and actionable recommendations.