Men And Women Are Different In DNA: Men Are Good At Investing &Nbsp; Women Are Good At Managing Money.

At home

Despite the fact that men are the masters of the family in people's minds, many men, especially Chinese men, are likely to wear "henpecked" hats.

Women like to manage money. Is that because they are good at managing money?

It is because men do not know how to budget carefully before they surrender their family's financial management power.

What is the difference between men and women in financial management and investment? Men are better at investing?

Or are women better at managing money?

Husband and wife

In a family, a wife is often responsible for the financial management of daily life, and has the right to decide the daily expenses of the family.

And what about husbands?

It is for the family's long-term life, and also has a considerable decision on investment.

As a family, women pay more attention to maintaining the needs of real life in financial management, while men value the quality of ensuring future life.

Specifically, men and women treat money differently.

Wives can be regarded as housekeepers of family finance. They are much smarter than their husbands in financial management and financial management of daily life.

Just because women pay more attention to everyday life than men, housewives spend more time on their money, so that families can live well and eat well.

Frugal saving is the housekeeping way of many housewives, and the money collected is usually for emergencies or for some special needs, such as for a son to marry a daughter-in-law.

Women are also more likely to be engaged in careers to help others, such as teachers, though the income of this profession is not high.

When the family is in financial difficulties, housewives tend to take the responsibility of the husband and wife together to tide over the difficulties, while men like the big things themselves.

Men are the masters of the Chinese traditional concept, and the responsibility of supporting their families is borne by men.

Therefore, family owners seem to be better at investing than housewives.

Men may not have to worry too much about the cost of daily life in their family life, but they must take responsibility for the stability of family life and the continuous improvement of their quality of life.

Unlike women, in modern society, how much money men earn is also a sign of their success. Therefore, for women, doing well is better than getting married well, which seems to be fashionable.

Gender

Men and women differ greatly in the way they treat money values or how to spend money and invest money. Some experts call this phenomenon "money DNA" on men and women.

Although men and women do not come from different planets, men and women do have different trajectories in financial management and investment.

From the day of birth, men and women in the United States have different ideas about how to treat money and how to spend money. This is why men and women in the United States form different ideas and characteristics of investment and financing.

Women in the United States are instilled in adults and have the concept of bringing up their children. They can work without having to take care of their husbands and children.

More women regard money as a way to have a good quality of life in terms of investment and financial management. Women's financial management pays more attention to the daily expenses of daily necessities, which is called money realism.

In the United States, men are taught to be an adult when they are young.

More men in the United States regard money as a tool for wealth accumulation in terms of investment and financial management. Men therefore spend less money than women and pay more attention to investment.

This characteristic of men is called money futurism.

Similarly, women spend more money on improving their lives and in their children, while men tend to reuse money for more wealth values, such as investment in housing and retirement funds.

Believe it or not, money plays a great role in marriage. Most of the quarrels between husband and wife are caused by how to spend money and how to make money.

People know that married women will save some private money, and many men can make small Treasuries in the dark.

According to the Ohio State University study, many couples in the United States believe that their spouse's real income is more than that of taking home money.

For example, a man would think his family's income would be 5% higher than that of his wife, and his family wealth would be 10% higher than his wife said.

Wives also believe that families earn at least 500 dollars a month more than their husbands speak.

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Women like to spend money on men unwilling to pay debts.

A survey of 12 countries in the world shows that most men and women believe that women are better at managing money and keeping housekeeping than men.

However, the American financial strategy magazine also conducted a survey of how men and women manage finances in the United States. The survey shows that men are better at managing money than women, or men are more dominant than women in spending money, saving and investing.

71% of the men surveyed said they would pay attention to the money spent on the knife edge, and the monthly expenditure must not exceed the income. The proportion of the female interviewed was 51%, and the proportion of men was 20 percentage points.

For those who paid off their credit cards every month, 61% of the men interviewed did not pay their debts on the credit cards. The number of women who could do that was 36%, much lower than that of men.

For every month's daily life bills, 90% of the men surveyed said they would pay the bills on time every month, while the proportion of women paying monthly household bills on a monthly basis was 74%.

Are there any emergency money that can cope with the unexpected spending in the next few months? 53% of the men interviewed have this kind of emergency money, and the proportion of such women in the surveyed women is 34%.

At the same time, most people also think that women are more able to spend money than men.

People all know that women like to shop and buy clothes, which is a common feature of many women.

However, in real life, clothes and shoes bought by women may sometimes pass through their lives only once.

1/3 of American women admitted that they had no need to buy clothes and shoes, but they did not buy them because they lacked clothes or shoes.

Women are born with love for beauty, so spending on clothing, beauty and fitness is not stingy.

The reason is related to the characteristics of women in the workplace.

Women may not be smart enough to have high incomes. Slim figures and good faces may really bring wealth to women.

A sample survey of American company personnel at University of Florida found a somewhat absurd conclusion.

The survey says that slender women earn more money than fat women in the workplace, while fat men earn more than thin men.

If women weigh 25 pounds less than normal weight, these women will earn more than 16000 dollars a year over normal weight women. If women weigh 25 pounds more than normal women, these women will earn less than normal women earning $14000 a year.

The difference in male weight does not affect women's income as much as that of women. Usually thinner men earn less than $9000 a year from fat men.

The explanation of American experts is that in the workplace, the appearance of women is very important, while slender women will naturally receive favors, while men's weight is a little thin.

Men like to take risks in investing.

In terms of investment, men are somewhat male chauvinism.

Men tend to think that their investment is higher than their wives' minds, while wives are more concerned about their daily life expenses.

For example, only 27% of family owners believe that their wives believe that the right investment is one of the most important aspects of family financial planning. More than 70% of family owners do not believe that wives will see investment as important.

Although nearly half of the family owners regard the right investment as one of the most important aspects of family financial planning, they are not inferior to their husbands in the eyes of housewives, and nearly half of housewives regard the correct investment as one of the most important aspects of family financial planning.

45% of the family owners believe that their wives will regard emergency money as important, while 67% of housewives think that it is very important to have emergency money.

The focus of American family saving is not saving, that is, it will not save the money saved in the bank by eating interest to make money.

One of the most important aspects of family financial planning is how to invest, of course, the investment is risky, and the more you want to make, the greater the risk.

At this point of investment, men are more or less stupid or bold, and women really behave like this.

According to the US wealth management magazine, 41% of the surveyed men prefer to take high risks in order to earn more money. On the contrary, the proportion of women willing to take high risks is 27%.

More than 27% of the women surveyed are investors who are unwilling to take any risk. They prefer to invest their money in products with no risk but low profit, and do not want to make a loss in order to make a fortune.

Of course, there are quite a few conservative men, and 20% of the interviewed men adopt a risk-free investment strategy.

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What is the biggest feature of women's investment?

The answer is simple. Women are not as risk taking as men, but they do not want to make money.

Therefore, the most common strategy for women to invest is to balance investment. In jargon, they do not put eggs in one basket.

46% of the women surveyed said they were a balanced investor. The target rate of return on investment was 8% to 10% a year.

Women are cautious, men are not stupid, 39% of the men interviewed also classified themselves as a balanced investor, though this proportion is less than 41% of men willing to invest in high risk.

The higher the women's income, the more they have the right to speak.

In many American families, wives earn 1/3 to 1/2 of their total income.

In the United States, 1/3 of husband and wife families earn more than their husbands. The results show that the higher the income of a wife is, the more power the wife has to speak in family financial planning and the greater the power to make decisions.

In American families, if wives earn less than husbands, only 20% of households are led by wives.

In the family where the wife's income is the main source of income, 40% of the families are determined by their wives to make investments.

Many studies and surveys also show that women are more worried about family finances than men.

A family investment and financial survey conducted by Merrill Lynch found that 47% of women surveyed said they lack knowledge about how to invest, and the proportion of men is 30%.

Women are also honest that they are far less capable of taking financial risks than men.

Only 31% of housewives think they dare to invest in venture capital, while family owners believe that they dare to invest in venture capital by 66%.

Is it true that women are naturally the weak ones who dare not take risks?

In fact, women are less vulnerable than men to taking risks, but women are facing more and more challenges in family investment and financial management than men.

First of all, the income of women in the United States is far lower than that of men. Even the same degree and same occupation, women earn only seven or eight of men's income.

After divorce, women tend to raise their children by themselves, which is more stress on women.

The life expectancy of women is higher than that of men, and there is more concern for later life.

Women are more financially hardheaded than men.

A survey conducted by the American fortune management magazine in February 2011 shows that there are still some differences between men and women in the United States about how to manage their finances after the financial crisis.

In terms of how to look at the impact of the economic crisis on family financial planning, women pay more attention to clothing and food and prepare for rainy days than men.

Of the respondents, 49% of the women said they had planned their family finances more carefully than ever before after the financial crisis, compared with only 39% of men.

At the same time, 29% of the women surveyed said they were talking about spending more time with their husbands than before, while men and their wives discussed the ratio of how to spend more time on the 24%.

On the contrary, men believed that the proportion of people who had no financial impact on family planning and finance was far higher than that of women. 51% of the men surveyed held this view, while the proportion of women holding this view was 38%.

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In the face of family financial difficulties, women seem to have more sense of anxiety than men.

Women are more sensitive and more concerned about economic, financial factors, such as economic recession, inflation, lower income, real estate depreciation, retirement life and so on.

According to the survey, 69% of the respondents were worried about the further recession of the economy, while the proportion of men was 54%.

51% of the women surveyed fear that the rate of inflation will exceed the rate of return on investment, with a male ratio of 44%.

47% of the respondents were worried about the lack of enough money to pay for the family's health care expenditure, the proportion of men was 40%.

46% of the women surveyed were afraid that they would be worse off in their ideal life, and the proportion of men was 40%.

45% of the women surveyed were worried about the depreciation of real estate, while the proportion of men was 35%.

45% of the women surveyed were worried that they could not live in their ideal retirement after retirement, with a male ratio of 34%.

It is undeniable that the financial power of a family is mostly controlled by housewives. The interesting phenomenon is that men who are the masters of a family do have more opportunities to plan their family financial affairs than their wives has the final say.

According to the survey, 53% of men in the US family said they had the best financial planning for their families, and only 17% of the women who could make their own calculations.

And 10% of women admit that the family's major financial planning is the other half of the family, and the proportion of men who think they are the other half is 2%.

Of course, American women now have higher economic status and sometimes earn more money than men. So many families are husband and wife, two people who negotiate together to decide major financial planning.

According to the survey, 73% of the women said they were husband and wife two people decided to make a major financial planning together. 45% of the men interviewed also said that a major financial plan must be consulted with their wives before making a decision.