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Why investing is important—especially for women
If you're wondering what gender has to do with money, you're not alone. But the numbers don't lie—there are a range of factors that can affect women's finances more than others.
Women live about 6 years longer than men1
2/3 of caregivers are women2
Women earn $0.83 for every dollar a man makes4
Ever wonder, "Should I save or invest?"
They're both important—the key is knowing when to do each so your money can work as hard as you.
Consider saving if:
- Your goal is less than 3 years away
- You need an emergency fund (3–6 months' worth of essential expenses)
- You want quick access to your money if you need it in a pinch
Have a savings goal?
Consider investing if:
- Your goal is more than 3 years away
- You've paid off most or all of your high-interest debt (anything over 6%) like credit cards
- You want to stay ahead of inflation, potentially save on taxes, and build a nest egg
Have an investment goal?
Why do people invest?
To help beat inflation: Investing gives your money a chance to grow at a faster rate than inflation so your cash doesn't lose value over time.
The potential power of compounding: This is when the money you earn on your investments starts earning money. The longer you stay invested, the more powerful compounding can be.
To build financial security: Investing has the potential to generate passive income (like a side hustle) so you can have more control over your financial future.
Have an investment goal? Find the right account
The power of long-term investing5
If you had invested $10,000 in U.S. stocksa 30 years ago, you'd have $168,605 today versus just $20,020 if you’d kept your money in a cash equivalentb—a difference of $148,585!
This chart shows how $10,000 grew from 1992 – 2022.
b. The cash return is represented by the IA SBBI 30-Day Treasury Bill return
You don't need a finance degree to invest smarter
Just pick a money goal and we'll help you choose the account that makes sense for your goal and the investment style that works for you.
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We love your questions
Sometimes a conversation is what you need to get started (or keep going). Talk to a financial professional (for free) to help you plan for the things that can affect women's finances—from living longer to higher health care costs. We got you.
Call us anytime at 1-800-FIDELITY (800-343-3548)
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