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].