Experts have identified differences in profitability between men's and women's investment portfolios

There are fewer women investors in Russia than men, but their investment results are better: portfolios show higher returns at a lower risk level. This was told in the investment research laboratory of Central University.

"Despite the active participation of women in entrepreneurship, their share among investors remains low. Thus, the number of women investors with a portfolio of more than 1,000 rubles is 35% compared to 65% of men," the experts noted.

In the age category of 14-19 years the share of women investors is minimal - 17%. In the group of 20-30 years this indicator has increased to 29%. In the 61+ category, the share of women with large investments reached 59%. "This indicates that as women accumulate life and financial experience, they become more active participants in investment activities," the analysts pointed out.

At the same time in Moscow and St. Petersburg the share of women investors is higher than in other regions - about 45% of the total number. This can be explained by a higher level of financial literacy and greater availability of investment instruments in megacities. The study also revealed that female investors from Lipetsk demonstrate the highest profitability among all cities, and in the Republic of Mari El women make transactions almost twice as often as in Moscow. At the same time, the return on investment in Yoshkar-Ola, the capital of the Republic of Mari El, is one of the highest among large cities.

The experts also noted that women spend 1.7 times more time on managing their investment portfolios compared to men and make 2.5 times fewer transactions per month.

The analysis also showed that the average yield of women's portfolios over the last year is 1.4 times higher than that of men's portfolios. Women tend to choose more diversified and stable instruments, avoiding unnecessary risk.

However, the total size of women's investment portfolios is on average 150-200% smaller. Only 2% of women investors use margin trading, while for men this figure is 5%. Men are much more active than women in buying and selling financial instruments: on average, they make transactions three times more often.

When portfolios of more than 100 thousand rubles are studied, the difference becomes even more noticeable. Among men with such portfolios 32% use margin trading, among women this figure is 20%. In addition, men with portfolios over 100 thousand rubles make transactions twice as often as women.

"These data show that women have a more conservative approach to investments. They prefer to avoid risks associated with the use of borrowed funds and active trading. This is supported by the fact that even when managing larger sums, women remain cautious and seek to minimize risk. Women tend to stick to long-term and stable strategies, which contributes to the sustainable growth of their investments," the experts explained.