据2024年埃塞克斯大学研究，澳大利亚异性恋家庭中男性掌控60%的财务决策权，女性仅占40% 1。然而数据表明，这种分布并不利于家庭的财务健康。根据美国富达投资公司对2011至2020年间520万个账户的跟踪研究，女性投资者的回报率比男性高40个基点 1。
传统性别观念和收入结构差异是造成这一现象的主要原因 1。YouGov民调显示，虽然55%的澳大利亚女性管理家庭日常预算，但仅有19%参与股票、债券或基金等投资决策 1。在风险投资方面，男性表现出更高的冒险倾向——男性投资加密货币的可能性是女性的两倍以上，同时男性赌博成瘾的概率也是女性的两倍 1。研究认为，加强女性在家庭投资决策中的参与度，可为家庭带来更优的长期财务成果。
A 2024 study from the University of Essex found that men hold 60% of financial decision-making power in Australian heterosexual households, while women control 40% 1. Despite this disparity, research reveals that women investors significantly outperform men, with female investors achieving returns 40 basis points higher than their male counterparts over a nine-year period from 2011 to 2020 across 5.2 million accounts, according to U.S. investment firm Fidelity 1.
The research identifies a stark contrast between women's roles in household finances and their participation in investment decisions. A YouGov poll shows that while 55% of Australian women manage day-to-day household budgets, only 19% participate in managing stocks, bonds, or funds 1. Gender disparities extend to risk-taking behavior, with men being more than twice as likely to invest in cryptocurrencies and twice as likely to develop gambling addictions compared to women 1. The study attributes these financial decision-making gaps to two primary factors: men are more likely to be the higher-earning household members and tend to be older, while traditional gender norms continue to influence modern family dynamics 1.
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