Gender Investment GapJennifer Lien

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Agenda● Problem & Opportunities● Interviews & Strategic

Insights● Trends & Solutions

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Problem & Opportunities

Part I

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Gender Gap

Women’s lifetime earning is 50% less than men, that’s a $1,051,000 gap

The loss of women not investing over a 35-year career is $1 million

Women generally keep 71% in cash, while men keep 60%

Simply put,

Women don’t invest as much as men

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Confidence Gap

Women’s financial confidence is on par

with men’s...

except for investing

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But Wait, Women Actually Make Better Investors!

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More RationalLess Emotionally Attached Goal-Oriented

Female investor groups outperform male investor groups by 4.6%

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The Gender Investment Gap

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Women Generally

Make Better Investors than Men

Women Often Under

Report Their

Capability

Women don’t invest as much as men do

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Why it’s important to

recognize gender investment gap Women

Outlive Men

Women Make Better

Investors

Financial Wellbeing

Shields Against Shock

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Market Opportunity

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Women Control $20 trillion 27% of World’s Wealth

Women are the world’s fastest growing

segment of wealth

Female market grew at 16% in 2009

America’s women-owned

business makes up 5th largest GDP

High Net Worth Women’s wealth

grown by 10% from 2008-2010

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Money Left on the Table

70% of women across the world feel that their advisors don’t understand them

55% women’s wealth remains untapped, and more tapped with misunderstanding...

...and these women are likely to inherit $40 trillion in the US in the next 40 years

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Who are the target women investors?

Why are they investing less than men?

What are some possible solutions?

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Interviews & Strategic Insights

Part II

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Purpose of Interview

Uncover why women are investing less

than men

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Target Women Personas

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Millennial Women

High Net Worth (HNW) Women

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Millennial Women

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This is Angelie, she’s 30 years old

Unmarried, working full-time in San Francisco

Her main financial struggles are saving for emergency and paying bills

She embraces technology and cares about investing for socially responsible causes

She’s not 100% comfortable with investing

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High Net Worth (HNW) Women

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This is Kristen, she’s 40 years old

Married with one kid, working full-time in New York City

Her main financial struggles are wealth and health stability

She is tech savvy and often on LinkedIn, cares about investing for both values and socially responsible causes

To her, money is personal and emotional

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InterviewsGoal: Uncover how women view money and underlying attitude

Method: One-on-one interviews

People: Women at the agency within the two target demographics

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Money scares me. It really does.

Investment is daunting!

I want my advisor to make decisions based on my own personal interests.

I think it’s important for women to talk about money and investment.

I know that I should learn more about investing.

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Insights

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Saving for Home-Owning, Business-Owning

Millennial Women HNW Women

Family, Online

Influence,401k

Saving for Child-Raising, Retirement

Talk about moneywith friends

Learn from friends

Indifference and Fear

Money is tabooed subject

Wish they had known more

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So, why are women

investing less than men? Lack of

Urgency Fear

ConfidenceGap

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Trends &Solutions

Part III

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Lack of Urgency Fear

ConfidenceGap

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How to tackle these barriers?

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Tackle Confidence Gap - Dove Real Beauty Sketches

Dove asks women and their friends to describe their looks to a forensic artist to compare the need for self-esteem in women’s own perceptions of themselves 24

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Approach to Confidence Gap - Empower with Knowledge

Financial concepts can be hard, what if it doesn’t have

to be?

Make financial knowledge accessible, bite-sized, fun

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Partnership with language learning app Duolingo

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Tackle Lack of Urgency - Ellevest by Sallie Krawcheck

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Approach to Lack of Urgency - Create Incentives

Don’t be Betty Draper, take control of your life,

professionally and financially

Create role models through “Women Who Own It”

Podcast or web series about how successful women invest

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Tackling Fear - UBS Life’s Questions Series

UBS surveyed hundreds of female professionals to find

out their real concerns

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UBS Life’s Questions Series with Annie Leibovitz

Legendary photographer Annie Leibovitz captured the

personalities who shared their Life’s Questions with UBS

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Approach to Fear - Talk About It

Partner up with women-run publications like Refinery29

If women fear talking about money with friends, create an online community that fulfills

this lack

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Lack of Urgency Fear

ConfidenceGap

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Thank you!Questions?

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