Introduction
At Transform FP, we believe that financial empowerment starts with education and confidence — especially when it comes to investing. Yet too often, women face barriers that prevent them from fully engaging with their financial potential. As an independent Financial Planner, Shadi Kirk works closely with women who want to take greater control of their money, build long-term wealth, and close the investment gap. In this article, Shadi walks you through five practical steps that can help you invest with clarity and confidence.
The Gender Investment Gap
Despite encouraging shifts in financial inclusion over the past decade, a persistent and often underestimated divide remains: the gender investment gap. While more women than ever are actively managing their personal finances, they remain statistically less likely to invest than men — a trend that can have significant consequences over time.
Recent research by Aviva reveals that over a third of women (37%) do not invest at all. Instead, they are more likely to rely on traditional savings accounts — which, while important, often fail to keep pace with inflation. In contrast, men are almost twice as likely to invest in Stocks and Shares ISAs, general investment accounts, and self-invested personal pensions (SIPPs).
It’s a subtle disparity, but one with far-reaching implications. Over decades, consistent investment has the potential to generate real wealth and create long-term financial security — something many women may be inadvertently missing out on.
So why does this gap persist? The reasons are complex: from risk aversion and lack of confidence, to societal norms and limited access to financial education. But the good news is that with the right guidance, women can overcome these barriers and take control of their financial futures.
Here are five practical and empowering tips to help close the investment gap.
1 Know When Investing Is Right for You
Investing isn’t suitable for every scenario — but recognising when it is could be transformative. Short-term savings goals (under five years) are usually better suited to cash accounts, where your capital isn’t exposed to market fluctuations. But for longer-term goals — such as building a retirement fund, supporting children through university, or creating generational wealth — investing may offer significantly better growth potential.
Setting clear financial objectives is the first step. Once you know what you’re aiming for, it becomes easier to assess whether cash savings, investing, or a blend of both is the right route.
“Investment isn’t about chasing short-term wins — it’s about aligning your money with your future goals in a structured, intentional way.”
— Angus Kirk, Independent Financial Planner, Transform FP
2 Build Your Safety Net Before You Invest
A common hesitation among women is the fear of needing immediate access to their money — and rightly so. Investing ties your money up for the medium to long term, and withdrawing early can crystallise losses.
To protect against this, it’s sensible to first build an emergency fund — typically between three and six months’ worth of essential expenses. Knowing you have accessible cash for life’s curveballs can give you the freedom (and peace of mind) to let your investments grow undisturbed.
3 Understand and Personalise Your Investment Risk
Risk is often seen as something to be avoided. But in investment, risk and reward are inherently linked — and learning how to manage risk can unlock real value. Rather than avoiding investment altogether due to fear, understanding your personal risk profile is key.
This involves assessing how much volatility you’re comfortable with, how long you plan to invest, and what your financial goals are. Once you understand your profile, you can select funds or portfolios aligned to that level of risk — or better yet, have them tailored for you by a professional.
4 Demystify How Investing Works
One in ten women in the Aviva study said investing felt “too complicated”, while 6% admitted they simply didn’t know where to start. But investing, at its core, is simpler than it appears.
When you invest, you buy assets — often shares or bonds — in the hope they’ll increase in value over time. By leaving your money invested for at least five years (and ideally longer), you reduce the risk of short-term market volatility affecting your outcomes.
Many people start by investing in a fund, where your money is pooled with other investors and managed by professionals. These funds are often diversified — meaning they spread risk across different industries, regions, or asset types.
And for those who prefer reassurance and clarity, a financial planner can make a world of difference.
“The right financial planner won’t overwhelm you with jargon — they’ll help you feel informed, supported, and in control.”
— Angus Kirk, Independent Financial Planner, Transform FP
5 Work With a Financial Planner to Build Confidence and Momentum
Perhaps the most powerful step of all is seeking expert support. A good financial planner won’t just manage your portfolio — they’ll help you create a comprehensive financial plan that reflects your goals, your values, and your life.
Whether it’s helping you calculate how much you need for retirement, advising on tax-efficient investments, or walking you through your options with clarity and empathy, a planner can be an invaluable partner.
For women who may feel uncertain, busy, or daunted, this collaboration can offer both education and empowerment.
Ready to take the first step?
If you’ve been unsure whether investing is right for you — or simply haven’t known where to begin — now could be the perfect moment to start a conversation. Whether your goals are five years away or fifty, learning more about how your money can work for you is an act of long-term self-care. We’re here to help. Contact us today to arrange a friendly, no-obligation meeting to explore how a tailored investment strategy could help you grow and protect your wealth — now and in the future.
Important disclaimer: This article is for general information only and does not constitute financial advice. The information is aimed at retail clients only. The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. The Financial Conduct Authority does not regulate estate planning, tax planning, or will writing. We recommend that you speak to a qualified financial planner for advice tailored to your individual circumstances and goals.
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