Young Female Investors’ Pots Nearly £4,600 Bigger
Traveloasisspot.com – Young female investors’ pots nearly £4,600 larger than those of their male counterparts, according to new data released by Lloyds Bank. The finding, drawn from the bank’s Invest Wise platform, highlights a persistent gender gap in participation rather than capability among 18-to-25-year-olds who hold investment accounts.
The analysis covers customers aged 18 to 25 who were holding an Invest Wise account as at April 30. It reveals that young women who do invest tend to build substantially larger portfolios and engage more actively with their accounts than young men of the same age bracket.
The Investment Gap in Numbers
The average Invest Wise portfolio for young women stood at £14,040, representing a 49% premium over the £9,450 average recorded for young men. Beyond raw portfolio size, engagement metrics told a similar story: 69% of female account holders were classified as active investors—those who fund accounts, execute trades, and manage holdings—compared with just 56% of male holders.
Yet the participation gap remains stark. Young women accounted for only 32% of all investors on the platform, meaning nearly seven in ten accounts belong to men despite the smaller average pot size. The data suggest that the bottleneck is not skill or appetite but the initial decision to participate.
“One of the most striking findings is that while young women are less likely to invest than men, those who do are often highly engaged and building larger portfolios,” said Lauren Gradys, investment specialist at Lloyds.
Gradys emphasised that entry into investing need not require large sums or specialist knowledge. “Making investing simpler, easier to understand and more accessible can help more people feel comfortable beginning their investment journey,” she added, urging product designers to lower cognitive and financial barriers for first-time investors.
Experts Call for Broader Participation
Maike Currie, vice president of personal finance at PensionBee, framed the issue squarely as one of access rather than ability. “The gap isn’t ability but rather participation—women still make up less than a third of these young investors,” Currie stated. She urged the industry to lower barriers: “We don’t need women to become better
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