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The Female Investor

divorce tax

Divorce tax is a thing – and it’s financially hurting women the most

A parliamentary inquiry has revealed the brutal reality of home ownership rates for divorced women. According to the Grattan Institute, only 34 per cent of women who separated managed to own a home within five years and only 44 per cent within 10 years. Those statistics compared with 42 per cent and 55 per cent for men. Divorced women were also three times more likely to rent at age 65 than married women, the Victorian inquiry heard. Of course, more and more research has been showing the inferior financial outcomes for women throughout their working lives and into retirement, which […]

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female investors

Low rates of female investors can cause housing insecurity

Did you know that only about one in four property investors are females? To tell the truth you probably didn’t know – and nor did I – because the telling statistic has only come to light following the 2022 PIPA Annual Investor Sentiment Survey. For the first time in its eight-year history, survey respondents were asked their gender and only about 27 per cent identified as female. Now, while I knew that there was a difference between the numbers of male and female investors, it was still quite shocking to see how far behind women potentially are when it comes

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investor

Only 27 per cent of property investors are female

New research has highlighted the disparity between property investor genders with only 27 per cent of women indicating they own investment property. The 2022 PIPA Annual Investor Sentiment Survey asked survey respondents for their gender for the first time in its eight-year history which produced the telling statistic.  The co-authors of the 2022 Australian personal finance and investment business book of the year, The Female Investor: Creating Wealth, Security & Freedom Through Property, Nicola McDougall and Kate Hill, said lower rates of female property investment was another financial headwind women faced. “Throughout their working lives, women have to navigate the

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parental leave

Women on parental leave are struggling to secure loans

A report out recently showed a worrying trend of women on paid parental leave being unable to secure loans, which is clearly unethical and possibly illegal.  According to an ABC news story, banks and other lenders are routinely discriminating against women who apply for loans and credit cards while on paid parental leave. The story outlined many examples of loan applications being cancelled, or onerous requirements imposed on women, simply because they are on birth, parental or maternity leave. Plus, when they’ve challenged the banks, the institutions have been unable to produce a written policy to justify their decisions. The

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Financial Literacy

Financial literacy falling with women on leave also struggling to secure loans

It appears that our financial literacy is on the downturn with women struggling the most to understand simple financial questions. According to new research, our financial literacy fell significantly between 2016 and 2020, which has reportedly left researchers “dumbfounded”. The latest Household, Income and Labour Dynamics in Australia (HILDA) found that declines in financial literacy were larger among people aged under 35 than those in older aged groups. Women scored lower than men across all age groups in both years, according to the study. Respondents aged 15 to 24 scored just 2.9 out of 5 in 2020, after scoring 3.4

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relationship

If you leave me, can I come, too?

More than four decades ago, there was a song released by Aussie band Mental As Anything which featured the lyric, “If you leave me, can I come, too?”. Of course, times were much different back then, so this anti-break up anthem probably wouldn’t be viewed as favourably today. But the song popped into my head when I came across a quite heart-wrenching news story recently outlining the growing number of people who are separated but continue living under the same roof because they haven’t afford to move out. The movie War of the Roses springs to mind as well. Clearly,

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women

Fewer than half of all women working full-time

The fact that the gender pay gap exists but doesn’t really seem to be changing is thankfully in the spotlight more than ever over recent decades. Plus, new research is being produced regularly that highlights the income disparity between men and women throughout their working lives. This is one of the main reasons why I truly believe that women need to forge their own financial paths via strategic property investment, because many will struggle to achieve the same lifetime earnings as their male counterparts – even if they are at the top of their careers it seems.  Women Earning less

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election result for women

What will the election results mean for women?

The election result is in, and we’re glad it’s over! I don’t know about you, but at myself and the Adviseable team are very pleased that the election results are in and Federal Election is now over! While the impact on property markets didn’t seem to be as pronounced as during previous campaigns, the endless policy launches and general “one-up-man-ship” does get a little tiresome as the weeks drag on. Most polls had pointed to a change in government – although they did last time, too, and were wrong – but generally speaking I don’t think many people are surprised

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Female Investor

The Great Wealth Transfer Is Under Way

What is the great wealth transfer? New research has found that the great wealth transfer is under way and it will be women and not men who will hold the most wealth in the years ahead. Of course, I would hope this was because of the skyrocketing numbers of female investors – and that day will hopefully arrive – but the reason for this shifting financial balance of power is simply due to longevity. That is, by 2025, it is estimated that women will hold 60 per cent of Britain’s wealth, having inherited most of it from their deceased spouses,

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