{"id":253866,"date":"2026-08-18T14:06:02","date_gmt":"2026-08-18T18:06:02","guid":{"rendered":"https:\/\/ibkrcampus.com\/campus\/?p=253866"},"modified":"2026-08-18T15:11:52","modified_gmt":"2026-08-18T19:11:52","slug":"why-are-women-more-likely-to-save-than-invest","status":"publish","type":"post","link":"https:\/\/www.interactivebrokers.com\/campus\/podcasts\/ibkr-podcasts\/why-are-women-more-likely-to-save-than-invest\/","title":{"rendered":"Why Are Women More Likely to Save Than Invest?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Why are women more likely to save than invest? IBKR&#8217;s Maria Dieguez sits down with self-investor and financial policy expert Betsy Dorudi to discuss the investing confidence gap, the barriers that keep women from entering financial markets, and why getting started can matter more than waiting until you feel fully prepared.<\/p>\n\n\n\n<iframe title=\"Why Are Women More Likely to Save Than Invest?\" allowtransparency=\"true\" height=\"150\" width=\"100%\" style=\"border: none; min-width: min(100%, 430px);height:150px;\" scrolling=\"no\" data-name=\"pb-iframe-player\" src=\"https:\/\/www.podbean.com\/player-v2\/?i=843cz-1b3b1e1-pb&#038;from=pb6admin&#038;share=1&#038;download=1&#038;rtl=0&#038;fonts=Arial&#038;skin=1b1b1b&#038;font-color=ffffff&#038;logo_link=episode_page&#038;btn-skin=c73a3a\" loading=\"lazy\"><\/iframe>\n\n\n\n<h2 id=\"h-summary-ibkr-podcasts-ep-418\" class=\"wp-block-heading\">Summary \u2013 IBKR Podcasts Ep. 418<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>The following is a summary of a live audio recording and may contain errors in spelling or grammar. Although IBKR has edited for clarity no material changes have been made<\/em>.<\/p>\n\n\n\n<h3 id=\"h-maria-dieguez\" class=\"wp-block-heading\"><strong>Maria Dieguez<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Welcome to another episode of\u00a0IBKR\u00a0Podcast.\u00a0I&#8217;m\u00a0Maria Dieguez, working in the Institutional Sales team at IBKR, based in our London office.\u00a0Our guest today is Betsy Dorudi.\u00a0She&#8217;s\u00a0a lawyer with extensive experience in financial service regulation, public policy, and government affairs, with more than 25 years of experience across fintech, banking, capital markets, payment, and financial regulation. Most recently, she served as\u00a0a head\u00a0of public policy at\u00a0ClearBank, where she led policy and government relationships initiatives.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">She&#8217;s&nbsp;passionate about social justice and women equality. Through a mutual friend, I come to know that Betsy is an active self-investor, and I wanted to include women who take care of their personal finances. Hello, Betsy, and welcome to the podcast.&nbsp;<\/p>\n\n\n\n<h3 id=\"h-betsy-dorudi\" class=\"wp-block-heading\"><strong>Betsy Dorudi<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Thanks for having me. Really excited to talk about women managing their own finances.\u00a0<\/p>\n\n\n\n<h3 id=\"h-maria-dieguez-0\" class=\"wp-block-heading\"><strong>Maria Dieguez<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Great.\u00a0So\u00a0you have been self-investing for a few years now. Please tell us how you got started.\u00a0<\/p>\n\n\n\n<h3 id=\"h-betsy-dorudi-0\" class=\"wp-block-heading\"><strong>Betsy Dorudi<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">My first professional job was\u00a0actually working\u00a0for a US stockbroker many years ago, and this introduced me to investment terminology and\u00a0kind of gave\u00a0me a general overview of stock markets investing.\u00a0But I didn&#8217;t actually really start thinking about investing until I was 49, seven years ago.\u00a0I had a few pension pots that I had really neglected over the years and never really gave it any serious thought to\u00a0investing.\u00a0But at 49, retirement was no longer really on the horizon.\u00a0I knew I had to really start giving pensions and investments some serious thought. So that year I did three things.\u00a0I consolidated three UK pension pots together into a SIPP, and I started investing in investment trusts.\u00a0I also invested my US pension pot, which had been sitting there neglected for years and years, into a portfolio of growth stocks.\u00a0And then I made a real commitment to myself to start ramping up all of my monthly contributions.\u00a0And really, the last few years have really just contributed as much as I possibly could into my pension pots.\u00a0At the time when I was 49, I didn&#8217;t have enough money to hire an investment advisor, either for the US or UK pots of money, so I had to do it myself.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And I just started reading. I bought a subscription to a retail stock recommendation service, and then I just followed a buy and hold strategy. After I made my investments, I just really watched them for a good five years and built up my knowledge at that time. So now I read little and often every day about financial markets, and honestly,\u00a0it&#8217;s\u00a0been\u00a0life-changing.\u00a0Despite a few market dips, I will retire with a\u00a0substantially larger\u00a0pot than I would have had I just left everything as it was.\u00a0<\/p>\n\n\n\n<h3 id=\"h-maria-dieguez-1\" class=\"wp-block-heading\"><strong>Maria Dieguez<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The data shows a persistent gender investment gap in the UK, with fewer women are actively investing than men.\u00a0Maybe only\u00a037 to 40% UK investors are women, as well as lower average portfolio sizes despite signs of growth among young demographics and high earners.\u00a0One of the reasons discussed is the confidence gap. For instance, when it comes to financial literacy, only 18% of UK women rate their financial literacy as\u00a0very good\u00a0compared to 41% of men. But what is your takeaway from this?\u00a0<\/p>\n\n\n\n<h3 id=\"h-betsy-dorudi-1\" class=\"wp-block-heading\"><strong>Betsy Dorudi<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As I mentioned, I started my career working for a broker, and this familiarity with share trading gave me real confidence. But it was also influential for me to be raised in the US, where it seems like everybody owns\u00a0shares\u00a0and everybody talks about the stock market, and financial information is really quite widely available.\u00a0But that aside, I had no more technical skills at 49 than anybody else. I just started by reading and then making some decisions. And\u00a0I&#8217;ve\u00a0learned so much, and I continue to learn. I\u00a0continue\u00a0to improve my skills. This year\u00a0I&#8217;m\u00a0learning about stop losses, so like I said, every kind of year as I go forward on my journey,\u00a0I&#8217;m\u00a0still learning.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I would just tell people to get started and get started modestly. Just things like simple index funds. Start with what you can understand.&nbsp;It&#8217;s&nbsp;the most important&nbsp;thing, and&nbsp;then&nbsp;grow&nbsp;from there.&nbsp;<\/p>\n\n\n\n<h3 id=\"h-maria-dieguez-2\" class=\"wp-block-heading\"><strong>Maria Dieguez<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mm-hmm. And what you mentioned about the US highlights a significant difference between the US and the UK. So according\u00a0with\u00a0some research, only 3% of UK individual assets, excluding pensions, are invested in stocks, bonds, and futures compared to 30% in the US.\u00a0So\u00a0investing in financial markets is far more deeply embedded in society.\u00a0Another report states that women are qualified as too cautious, even though data\u00a0doesn&#8217;t\u00a0show a significant difference between men and women portfolio when\u00a0allocated\u00a0to riskier assets. Do you think that this is a barrier preventing women from starting to invest?\u00a0<\/p>\n\n\n\n<h3 id=\"h-betsy-dorudi-2\" class=\"wp-block-heading\"><strong>Betsy Dorudi<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">I would say risk tolerance grows with confidence, doesn&#8217;t it? And one thing that women have on our side is\u00a0we&#8217;re\u00a0practical and\u00a0we&#8217;re\u00a0savers. And\u00a0I think I\u00a0wish that we could extend this kind of practicality into more\u00a0agency\u00a0in terms of making&#8230; taking charge of our savings and making investment decisions.\u00a0We&#8217;re\u00a0good\u00a0about\u00a0saving.\u00a0We&#8217;re\u00a0good\u00a0about\u00a0budgeting.\u00a0It&#8217;s\u00a0just what we do with our savings where we have this big gap. I think it&#8211; What I find also\u00a0really interesting\u00a0as the years go on and my investments do grow is that, as women, we have\u00a0a number of\u00a0barriers. Like, we have\u00a0salary.\u00a0We\u00a0don&#8217;t\u00a0earn, pound for pound, the same amount. But investment returns\u00a0don&#8217;t\u00a0discriminate. Everybody gets the same return, and I find that super exciting,\u00a0yeah.\u00a0So\u00a0when\u00a0you&#8217;re\u00a0earning money,\u00a0you&#8217;re\u00a0earning the same as anybody else, whether\u00a0you&#8217;re\u00a0a man, woman, et cetera. So that&#8217;s\u00a0a&#8230;\u00a0I think that should be a really strong incentive.\u00a0But again, I\u00a0kind of go\u00a0back to start with what you know.\u00a0The investment platforms that I have, I\u00a0can&#8217;t\u00a0say I understand 100% of it any more than I understand the engine on a car. But I know what I understand.\u00a0I&#8217;m confident with what I understand, and those have done me really well.\u00a0<\/p>\n\n\n\n<h3 id=\"h-maria-dieguez-3\" class=\"wp-block-heading\"><strong>Maria Dieguez<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mm-hmm. And the fear of making a wrong decision is there when investing in financial markets. How do you cope with this challenge?\u00a0<\/p>\n\n\n\n<h3 id=\"h-betsy-dorudi-3\" class=\"wp-block-heading\"><strong>Betsy Dorudi<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">I think you\u00a0have to\u00a0understand that\u00a0you&#8217;re\u00a0never\u00a0gonna\u00a0have a portfolio that\u00a0doesn&#8217;t\u00a0have some things that\u00a0maybe are\u00a0a little disappointing.\u00a0And what I found over the years, I&#8217;ve seen two big market corrections, in 2022 and then actually last year with Trump&#8217;s tariff day, his Independence Day.\u00a0So\u00a0I think what\u00a0I&#8217;ve\u00a0learned over time is that everything always comes back.\u00a0Not to sell at the bottom, that&#8217;s really important.\u00a0And not to expect perfection, but where you are when you start investing as opposed to not investing,\u00a0it&#8217;s\u00a0a dramatic difference. So again, I was trying to look and see what 1,000 pounds\u00a0would&#8217;ve over time in compound interest in a bank account\u00a0at, let&#8217;s\u00a0say, two and a half percent, as opposed to investing in the FTSE 100, and it was a staggering difference.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So&nbsp;I think mistakes will always happen or market corrections, even if you do well and invest in something, forces outside of your control. But part of the beauty of being a long-term investor is that over time, things inevitably&nbsp;almost always&nbsp;recover.&nbsp;So&nbsp;you have to have that long-term perspective and just stay in the game.&nbsp;<\/p>\n\n\n\n<h3 id=\"h-maria-dieguez-4\" class=\"wp-block-heading\"><strong>Maria Dieguez<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mm-hmm.\u00a0Yeah. And what do you think that can be done to make women become more in charge of their investments?\u00a0It&#8217;s\u00a0a matter of financial education, cultural change, have more of\u00a0these type of conversations?\u00a0<\/p>\n\n\n\n<h3 id=\"h-betsy-dorudi-4\" class=\"wp-block-heading\"><strong>Betsy Dorudi<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">I love this question because I work in policy, so\u00a0I&#8217;m\u00a0always thinking, &#8220;What&#8217;s the answer?\u00a0What&#8217;s\u00a0the answer? What do we do\u00a0differently?&#8221;\u00a0And I think for men and women, this goes equally, too, for men.\u00a0I think there\u00a0were three things that kind of came to mind, and one is\u00a0I think we\u00a0need to, in culture, normalize women managing money, women managing their finances.\u00a0I would love to see in popular TV and film women managing finances and making investment decision as a normalized thing so that we just see it everywhere.\u00a0We&#8217;ve got\u00a0role models everywhere.\u00a0I think that&#8217;s really important.\u00a0We need to make financial information far more available than it is today. It feels quite niche.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Like I might see on the 10:00 news an announcement of where the FTSE closed on any given day.\u00a0But unless you really know your stuff, like that&#8217;s a pretty immaterial announcement.\u00a0So again, the difference in the US is financial information&#8217;s\u00a0really widely\u00a0available all over the place, and when you watch the 6:00 news in the States,\u00a0you&#8217;re\u00a0gonna\u00a0hear\u00a0probably three, four minutes about how the markets did and some stories.\u00a0So\u00a0I think we\u00a0need to have financial information far\u00a0more\u00a0a part of our mainstream culture. And then the last point goes to reform. It goes to legislative\u00a0reform,\u00a0tax reform. Our investment and pension rules are far too complicated in this country. Far too complicated.\u00a0You&#8217;ve\u00a0got fantastic execution only, as we call it, self-invested investor platforms, with Interactive Brokers.\u00a0You&#8217;ve got these great platforms with all the tools and information people need, but you&#8217;ve got a broken rung in that the rules are so complicated a lot of people just can&#8217;t be bothered or it&#8217;s too frightening or it&#8217;s too complex to even get started.\u00a0So\u00a0I think we\u00a0need to dramatically simplify investment and pension rules to get people really interested.\u00a0<\/p>\n\n\n\n<h3 id=\"h-maria-dieguez-5\" class=\"wp-block-heading\"><strong>Maria Dieguez<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mm-hmm. Good. So, Betsy, some takeaways from today&#8217;s conversation. Start now, even if you feel behind. Waiting for the perfect moment or perfect knowledge is more costly than beginning today.\u00a0Investing\u00a0isn&#8217;t\u00a0about making mistakes.\u00a0It&#8217;s\u00a0about building a diversified portfolio and\u00a0stay\u00a0invested for the long term. And investing is a powerful tool for financial independence. Building wealth through investing can help close financial gaps that income alone may not.\u00a0<\/p>\n\n\n\n<h3 id=\"h-betsy-dorudi-5\" class=\"wp-block-heading\"><strong>Betsy Dorudi<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Absolutely. And\u00a0it&#8217;s\u00a0immensely personally\u00a0rewarding as well.\u00a0I&#8217;m\u00a0halfway through a 15-year journey until I get to be around 65, and\u00a0it&#8217;s\u00a0a sense of\u00a0accomplishment,\u00a0it&#8217;s\u00a0a sense of independence, and a sense of confidence.\u00a0It&#8217;s\u00a0a different skill. Now my friends&#8217; husbands ask me to sit down, have a chat, and wonder, understand what\u00a0I&#8217;ve\u00a0done, what\u00a0I&#8217;m\u00a0doing.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So&nbsp;it&#8217;s&nbsp;just a fantastic skill for women, for everybody to have.&nbsp;<\/p>\n\n\n\n<h3 id=\"h-maria-dieguez-6\" class=\"wp-block-heading\"><strong>Maria Dieguez<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yeah. Agree. Thank you so much, Betsy, for sharing your journey as a self-investor with us. I hope this conversation will inspire more women to take control of their own finance.\u00a0And thank\u00a0you to\u00a0everyone\u00a0listening. We hope you enjoyed this episode of\u00a0IBKR\u00a0Podcast. See you next time.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Why are women more likely to save than invest? IBKR&#8217;s Maria Dieguez sits down with self-investor and financial policy expert Betsy Dorudi to discuss the investing confidence gap, the barriers that keep women from entering financial markets, and why getting started can matter more than waiting until you feel fully prepared.<\/p>\n","protected":false},"author":1765,"featured_media":254085,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[10842,13857],"tags":[22085,18244,15697,22079,15769,2099,21715,22081,22084,22087,4302,11554,22083,22082,22086,19962,22080,21706,21666,8883],"contributors-categories":[13576],"class_list":["post-253866","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ibkr-podcasts","category-podcasts","tag-financial-confidence","tag-financial-independence","tag-financial-literacy","tag-gender-investing-gap","tag-ibkr-podcasts","tag-interactive-brokers","tag-investing-for-women","tag-investment-confidence-gap","tag-long-term-investing-2","tag-pension-investing","tag-personal-finance","tag-retirement-investing","tag-saving-vs-investing","tag-self-investing","tag-uk-investing","tag-wealth-building","tag-women-and-finance","tag-women-and-wealth","tag-women-investing","tag-women-investors","contributors-categories-interactive-brokers"],"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why Are Women More Likely to Save Than Invest?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.interactivebrokers.com\/campus\/wp-json\/wp\/v2\/posts\/253866\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Are Women More Likely to Save Than Invest? | IBKR Campus US\" \/>\n<meta property=\"og:description\" content=\"Why are women more likely to save than invest? IBKR&#039;s Maria Dieguez sits down with self-investor and financial policy expert Betsy Dorudi to discuss the investing confidence gap, the barriers that keep women from entering financial markets, and why getting started can matter more than waiting until you feel fully prepared.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.interactivebrokers.com\/campus\/podcasts\/ibkr-podcasts\/why-are-women-more-likely-to-save-than-invest\/\" \/>\n<meta property=\"og:site_name\" content=\"IBKR Campus US\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-18T18:06:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-18T19:11:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.interactivebrokers.com\/campus\/wp-content\/uploads\/sites\/2\/2026\/08\/pod20260804betsy_Coverimage.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"563\" \/>\n\t<meta property=\"og:image:type\" 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