How can you invest in your woman? The best way to do this is by reading this article. In this guide, we’ll break down the components of how men can invest in women, along with my recommendations, advice, and fun facts about investing in your special lady.
Investing in a relationship means that you care about the relationship. In other words, you’re interested in building a healthy relationship. If relationship problems arise being invested in a relationship means you’re working with the other partner to solve them.
Being in a new relationship is exciting. You enjoy the time you spend with your partner. You look forward to the future that you have with your partner. Some people are ecstatic when they find a special person, while others are fearful. They’re scared that their connection could become a long-term partnership. That might sound strange, but relationships are a source of trauma when you’ve been hurt badly.
Many individuals who experience toxic or abusive partnerships are afraid of being vulnerable in a romantic context. They could get seriously hurt if they put themselves or commit finances out there. The wounds of relationships past may haunt them. If they become attached to someone, they could be rejected, and rejection feels terrible.
A passionate relationship is something that many people yearn for, and it’s out there. But remember that passion isn’t the only component of a relationship. The foundation of a romantic connection is friendship. If you focus solely on the passion or physical part of the connection, you might run the risk of the excitement sizzling out.
If you move forward too quickly, you may find that the connection isn’t as thrilling. If you worry that things are moving too quickly, it’s okay to slow down and talk to your partner about how you feel.
There are so many aspects of investing in a relationship, and a crucial part of any healthy relationship is the ability to set financial goals or invest financially in your partner as a man, this article is here to guide you. Keep reading;
What is a Man-to-Woman Investment Relationship?
After exploring your financial past, it’s time to use this information to help grow a healthier relationship with money as a partner. Prioritizing your finances may help you move through the suggested steps below quickly. But this isn’t a race. Strive to keep making progress because the work you’re doing is important and deserves your focus and attention.
As a man planning to invest in the opposite, here is a list of things you need to know or do:
- Calculate your and your partner’s actual income.
While planning to invest in the opposite sex, Use your pay stubs and employment contracts to determine your gross and net monthly income. Record where and how much money is deducted from your paychecks (flexible spending accounts, monthly health share payments. If either of you has a side hustle or rental income, make a conservative estimate of that monthly income as well. Make a note of employee benefits and their value at this time.
- Keep monthly records of payments.
Record your monthly or recurring payments. This may include health share payments, auto, and other insurance payments, utility payments, food, gas, or public transportation costs, entertainment, household supplies, clothing, gifts, donations, tithing, vehicle and home maintenance, and more. (Hint: Use credit card statements and your checking account register to help determine your monthly spending categories. You may not find everything, but you’ll be off to a good start.)
Evaluating her current situation can be an eye-opening experience for you and your partner. You may find out you guys are doing better or less than you’ve been giving yourselves credit for. Then from the information above you can re-plan your investment plans.
- Track her expenses.
After You have listed the monthly expenses above, there’s a good chance you are missing some of her sp dings. And those extra costs each month could keep you from reaching your goals. Like dieting and not measuring your food or tracking calories, it’s easy to underestimate or forget to include every payment you make.
Strive to track your expenses for at least a few months. You may find that tracking your expenses closely helps you stay more aware of spending and pay down debt faster. Less debt means money to save and invest for the future.
It may seem like an overwhelming task, but plenty of apps are available now to help, such as Wally, Mint, Tiller, and Personal Capital. And you may find that grabbing a pen and notebook is more straightforward and more helpful to you. Use whatever system works for you!
Then, use that information to build a realistic budget. Make adjustments as necessary, and do your best to stick to it. You can start building a budget without knowing all of your expenses and then tweak it along the way.
But the more information you have about your spending, the easier it will be to trim away unnecessary costs. Focus on budget categories and spending that aligns with your values.
- Create a financial mission statement.
Many men find it motivating to continue developing a healthier relationship with money by watching the balances on their debt decline or their savings and investment accounts grow. But staying the course may require significant lifestyle changes for others. It may be hard to stay motivated on goals that you won’t accomplish for decades in the future.
One tool that may help you as a man to keep on track is a financial mission statement. Your financial mission statement explains what your household wants to achieve financially in the future. It describes the path you’ll follow to get there.
It helps everyone visualize and remember the financial goals you’ve determined are best for your present and future.
The Facts about Women Men need to know before investing in them
Here’s a look at all you need to know as a man before planning to start financial investment in a woman in a relationship;
- Money is much more than just money to women
Yes, it pays the bills. But money can also embody the ability to quit a job you are unhappy with, the house you want to buy, the hopes for your children, or the ability to end a relationship, simply because they are no longer financially dependent on their partner. It also can be a driving force to positively impact the world you leave behind
- Women pay more money
Ever heard of the pink tax? That’s the additional price women pay on certain products or services, just because they cater to their specific needs. It starts with a little bit more for the pink razor and ends with a couple of hundred more for a haircut.
- Women earn less money
CHF 108 billion a year. That’s how much more money Swiss men roughly earn than women, according to economist Mascha Madörin who used Eurostat data from 2014 for her research. Roughly three-quarters of this disparity results from an unequal distribution of paid and unpaid work.
- Women have less money
Women are subjected to a higher risk of poverty, especially later in life. While the differences in AHV pensions between women and men are marginal, the difference in occupational pensions is large:
- Society sends women and girls damaging money messages
Most financial media is largely consumed by men and thus often written by and from the perspective of men. It’s all about growing wealth, selecting winners, and the thrill of trading. Financial articles written for women on the other hand, often tend to sound patronizing or don’t take the topic seriously by giving lifestyle tips disguised as financial advice.
- Women invest less than men
Some women even lose as much money over their lives from the gender investing gap as they do from the infamous gender pay gap. That’s why we are happy to see that 33% of Innova Impact Investors are already women, with this share consistently increasing over time.
This is often explained away by the damaging stereotype that women don’t invest because they are risk-averse, however many studies now show that it’s not quite that simple and misses the root of the problem: people who have less money are inherently less likely to take financial risks.
- Women invest in a more selective way than men
Women are more selective than men in general. That naturally leads to them choosing their investments wisely, based on their values rather than the market in cations. With Innova you can do just that: simply select your values and we take care of the rest. Try our free investment strategy tool now.
- Time in the market is more meaningful than timing the market
While movies like ‘The Wolf of Wall Street might make it seem exhilarating to rapidly trade stocks over days, statistics have shown that day traders are incredibly unlikely to make money in the long run. Historically, investing in a diversified portfolio and being patient over long been shown to have great potential for consistent returns.
- Money in the bank doesn’t grow
If your savings are sitting in any major Swiss bank the interest rate will be somewhere around 0.01 percent. That means your balance will increase by just CHF 1 per year on a CHF 10,000 balance.
In five years you will have grown your wealth by a whopping CHF 5. Given that there are also bank fees and inflation to consider, and that banks typically invest your savings into their own (often not sustainably themed) funds, your money will shrink rather than grow. This makes investing the only choice to responsibly increase your wealth over time.
- Women having more money is always a good thing
Nothing bad will happen if women have more money. And nothing bad will happen when they have more wealth. On the contrary, with more funds, women can elevate themselves to new heights, learn new skills, buy that home they always dreamed of, and provide their children with a better future which would in turn, a benefit for allistic learntal.com
How To Get The Most Out Of Your Investing Relationship With A Woman
To be someone that lives life with intention is a remarkable feat because there are a thousand screens that can inevitably eat up the hours in the day and prevent us from using our time to intentionally invest in important relationships.
Not being intentional indicates an acceptance of anything and everything. It is indicative of complacency and lull that erodes and gently chips away at our quality of life and relationships. To get the best out of your investing relationship, here are tips for you;
- Invest Your Time In Your Relationship
Loved ones need time. Time to:
- Talk with each other,
- Communicate and share important things,
- Build connection and intimacy,
- Ensure you see and notice your partner, and appreciate who they are and all the things they do.
- Invest a Lot Of Respect In Your Relationship
A good relationship thrives when both parties respect each other and feel respected. This means using our words and actions to honor and respect our partners:
- Hopes, aspirations and
- The boundaries they set.
Not many relationships survive without respect. Respect is a key component to the sustainability of any relationship. Show respect to your partners. It is certainly a worthwhile investment.
- Invest Intentional Behavior In Your Relationship
Relationships fall apart without intentional behavior. Be mindful of the kind of behavior that is encouraged and allowed in a relationship. Here are some behaviors you can be intentional about in your relationship:
- Make your partner a priority,
- Consistently work on the internal change you have committed to,
- Show intentional kindness and appreciation,
- Grow in awareness of your shortcomings and destructive patterns of behavior,
- Touch when you argue.
Small intentional actions go a long way. It’s the thousand small intentional actions that pave the way to a healthy marriage in the future. Be intentional today!
- Invest Money In Your Relationships
The way you invest money to make more money, the same way you invest money into your relationship to build, nurture, and strengthen it. Invest money towards:
- A getaway where u can spend time talking and connecting,
- A relationship-building course,
- On your partner, house, and for your children, why not for your relationship?
- Invest Your Vulnerability Into Your Relationships
Being vulnerable can be scary for many but it can also be a deeply liberating and validating experience. Invest vulnerability in your relationship. It nurtures:
- The right attitude,
- The ability to see each other more deeply
- allows your partner to love you deeply and more completely
- Provides opportunities for growth and moving forwards as individuals and as partners.
- Invest Good Company In Your Relationship
They say the company you keep is highly indicative of who you are as a person – to know a man, meet his friends. There is value to this statement simply because as people our propensity to be influenced is quite high. We are influenced by things we barely even realize.
There was a study conducted where it showed that if a relatively happy couple was surrounded by other couples that were in difficult relationships that were headed towards divorce or separation, eventually that couple was headed towards the same. However, when a struggling couple was surrounded by couples that were healthy and worked on their marriages they were more likely to recover and invest in their marriages. So invest:
- Good people to model your relationship off,
- Friends that add positivity to your marriage and the way you think.
6Things You Need To Know Before You Get Involved With A Woman Who Is An Investor
There are several female investors with different ideologies, a conclusion has been drawn about the average female investor is all you need to know;
- Women Lack Investing Confidence
According to a recent LPL study, one of the biggest problems women have is a lack of understanding of financial jargon. 57% of women surveyed felt that financial terminology was confusing and made it more difficult to make decisions.
Women want clear, simple explanations of their financial choices. Greater knowledge about investing, explained in a clear, straightforward way is what can help women, and any investor, make more confident financial decisions.
2. They Don’t Feel in Control of Their Finances
In BlackRock’s 2014 Investor Pulse survey, only 38% of women described themselves as “in control” of their financial future, compared with 55% of men. When it comes to investing and financial planning, many women feel like they are left out of the conversation. Studies show that women don’t feel as confident and comfortable talking about finances as men. This also goes back to the problem of a lack of confidence and knowledge.
3. They’re Concerned about Retirement & Financial Future
Are women interested in their finances? Of course, they are. More women than men cite concern about their financial future; 60% of women say they worry about not having enough money to last through their retirement. In some ways, financial planning is a bigger concern for women, because they statistically live longer than men.
Nine in ten women are expected to be the sole financial decision-maker at some point in their lives, due to longer life expectancy, higher divorce rate, and higher salary equality. Thus, it makes sense that women are so concerned about their financial future.
4. Women Want More Information and Involvement
In addition to being concerned about their financial future and their retirement, women actively seek more involvement. According to a study by Fidelity, 62% say they would like more knowledge so they can make smarter financial decisions. They can do this by investing in stocks, which have a higher return historically than cash or mutual funds, yet almost two-thirds of all savings and investments are held in cash, which has a minimal to 0% return.
5. Their Investments Perform just as Well, Sometimes Better than Men’s
Despite lack of confidence, not feeling in control of finances, and their fears regarding retirement, women’s investments outperform men’s by 1% annually (which has been credited to overtrading by men). That’s pretty impressive for a demographic of which only 28% feel confident in making investing decisions. Another interesting statistic: men save 7.9% of their salaries, while women save 8.3%, meaning that women on average have more investable assets for their retirement.
6. Poor decision making
Most Women make poor decisions are they are much driven by emotions, which is why they face the challenges of lack of confidence, lack of knowledge, not feeling in control, and concerns about their retirement. Given that 9 out of 10 women will be the sole decision-maker at some point in their lives, they must arm themselves with the knowledge and confidence to take control of their financial future. And, with the right set of tools and information, they can. Join my upcoming webinar where I’ll show you how to invest fearlessly with a reliable methodology you can trust. https://www.nasdaq.com/.
I wanted to write this article to help guide a lot of men who still don’t understand the importance of investing in women-owned companies. We’re going through an evolutionary period where men and women are rejecting antiquated gender roles and traditional stereotypes, but we’re not there yet.
We still have discrimination to the core. We still have gender inequity in salaries, board seats, and venture capital funding. I hope this article is of great help and I would love to hear your comments and feedback.