ARBOR WEALTH: Mars vs. Venus investing

Published: Thursday, November 7, 2013 at 03:53 PM.

That said, it seems certain that by necessity women are becoming and will become more familiar with investing. And it’s certainly preferable that women engage the process prior to the passing of a spouse, especially one who handled all family finances. Many husbands will establish a relationship with a trusted investment advisor for the express purpose of easing the financial transition for their spouse if the husband passes away first.

Some statistical studies show that women are more risk averse than men. Ironically, the biggest single determinant of risk tolerance that I experience as an advisor is not gender, but age. Both genders generally exhibit less risk tolerance as they grow older, as they have less time to make up for drastic market downturns. This age-based diminished risk tolerance is not always applicable, of course, as each investor is different, but generally age and not gender has had a greater impact on risk aversion.

Margaret R. McDowell, ChFC, AIF, a syndicated economic columnist, chartered financial consultant and accredited investment fiduciary, is the founder of Arbor Wealth Management, LLC, (, a fee-only registered investment advisory firm located near Sandestin.





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