In recent years the question of whether women might differ in their investment behavior of men has become more practical and scientific interest. During the financial crisis was variously read in the press, women are more cautious, a defensive behavior exhibited in the stock market and have proven that very reason in times of crisis in the financial system more successful.
The Department of Finance psychology, sociology and ethics at the SMI Financial Steinbeis Hochschule Berlin now sets of empirical results, these scientific assumptions to the test. The findings are based on the analysis of more than 500 questionnaires, the female and male investors in 2009, and 2010, various shareholders' general meetings and investor fairs have filled in Germany. In total so far of the research team interviewed more than 1,000 people. "Prove to the women in our study group tend to be less willing to take risks," confirmed the Department Head, Professor Sabine Meck. "That was reflected not only in the answers to the question of investment products, but also in the Self-assessment of risk-taking, which is highly significantly lower than that of men."
share in contrast to men, women and more on cash instead of investments. Only real estate make it an exception: Concrete Gold is often classified by both sexes as crisis-proof investment. Women also are more likely to prefer personal bank visit, and the bank manager played with them a greater role. High Significantly fewer women than men accordingly make their banking online or by phone. "That may be because women have more fear of losing money," suspects Sabine Meck. "The statement that credit means the root word for trust, have so far agreed to significantly fewer women."
whether women in general face the Internet is still suspicious, or whether this refers only to money transactions, is currently open question. "We recognize, however, our women another, already known gap: while many more women have a high school diploma, but have significantly less than a degree or even a doctorate. Only among younger women suggests the tendency to endorse quantitatively at the bachelor's degrees at the men, "said Sabine Meck. They also stressed: "We will consider the next steps in addition, the role of age, education, religion and profession play in the investment and the influence they might have on the attitude towards money.
But this exact scientific analysis with the appropriate theoretical discourse are the subject of several dissertations that are being written to the SMI-Chair as well as at the Erasmus University Rotterdam in the Netherlands. The Dutch comparative studies are supervised by Professor Frits van Engeldorp Gastelaars, also a visiting professor at the Steinbeis University. "We are excited to be whether to compete in the attitudes to money cultural differences. The linking what people with money is reshaped our view, always cultural. . The relevant scientific work is still scarce "The German Sabine Meck colleague agrees:" The attitude to money is affected by many sociological and psychological factors. We assume that also calculate certain types of money in our samples. There is so far also as a gender-specific: women tend are less likely to bring money with power and respect in connection than men, "
How constitute money profiles then finally in the representative samples, which may be anticipated.. On the second financial ethics Congress "Finethikon" this year on 5 and 6 October will be held in Eichstätt, will be in a workshop with the theme "The measurement of attitudes and values within the company" the methodological findings from the studies implemented and discussed.
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