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£30,000 income enough to give women confidence to become investors
Are women becoming more confident in investing? Moneybox’s research highlights when women are increasingly taking charge of their financial future
Women investors are becoming ever more confident that they can successfully invest for their futures, new data from savings and investing app Moneybox reveals.
Women are more likely to become much more confident about investing their earnings once they cross the £30,000 income threshold, Moneybox’s research has found.
This is a positive indication of the increasing appetite among women to engage in investments, particularly as £30,000 in 2025 is some way below the average UK earnings of £37,430 according to the Office for National Statistics (ONS).
Women investors income
The national average investment rate stands at 14% of people at all income levels. This rose to 16% once a woman was earning over £30,000, 24% among those earning £40,000-£49,000 and 33% for those earning £80,000 or above.
Younger women investors are leading the charge with 43% of 18-34-year-olds proactively choosing to invest in 2024. This compares to just 23% for all ages in the research.
When asked why they were investing, three in five (59%) said to grow their wealth, half (47%) to secure a comfortable retirement and one in three (34%) to provide for their family in the future.
Just one in five women investors (18%) said they treated investing like a hobby.
Ashleigh Petrie, product director at Moneybox comments: “Our research shows that when it comes to women investing, confidence is growing, behaviours are changing, and cultural influences – from financial influencers to peer-driven learning—are playing a key role in this transformation.
“It’s great to see women prioritising investing and diversifying their portfolios as they take steps to build long-term wealth alongside more immediate financial goals like home ownership.
“That said, there’s still plenty of work to be done to drive a true culture shift towards investing and we hope the Government and the industry continue working to ensure investing becomes a fundamental part of financial planning for everyone, alongside saving.”
The Mouthy View
International Women’s Day is an annual gimmicky day but the underlying point here is to reinforce how important it is for everyone to use investing in order to increase their long-term wealth prospects.
It is very encouraging to see women engaging more strongly with investing as an activity and a way to achieve financial goals. It won’t dispel the myth that men are investors and women savers but it sends the right signal that investing is for EVERYONE and is the best way to ensure your long-term goals have the chance of being met.
The real issue here is that Moneybox’s research demonstrates why those on lower incomes lack the confidence to invest. The good news is everyone in work will have a workplace pension and is invested one way or another. Remember that putting £10 a month into an investment ISA is a completely viable option, even if it is just an acorn – great oaks can grow.
Photo credits: Pexels
