Wealth Building and Management

For a long time, the story has been that women struggle with money because they lack confidence. This report asks a different, more honest question: what if the problem isn’t women at all, but the conditions they’re navigating? It looks at the psychological and structural forces shaping women’s financial futures. From mental load and time scarcity to how we imagine our future selves, it shows how long-term planning becomes harder when life is already full, uncertain and unequal. One of the most powerful takeaways is that financial behaviour changes when people feel they can act meaningfully. Not when they are told to be braver, smarter or more confident. When systems are designed to reflect real lives, confidence can follow. This research was authored by Emily Shipp, a behavioural researcher specialising in future thinking and financial self-efficacy from Edinburgh Futures Institute at The University of Edinburgh. The report is also supported by Edinburgh Innovations and Evelyn Partners. It’s worth a read if you are interested in money, wellbeing, and what genuinely helps people plan for the long term. Link in the comments. #ItsNotAboutConfidence #womenandmoney #financialwellbeing #genderwealthgap #mentalload

In 2021, I became the first woman to head a unicorn in Israel, AKA Startup Nation. In many parts of the world, women are excluded from even the most basic financial services, so leading a fintech company is far from their reality. United Nations data estimates that 3.8 billion women live in the world, 50% of which are adults. According to the World Bank’s Global Findex Database, 1.4 billion of those 1.9 billion adult women, are unbanked. That’s 73.65%. Visit that statistic again. It represents a disturbing gender gap in financial access, with women being far less likely than men to have bank accounts or access formal financial services. This financial exclusion has personal impact. It diminishes women’s economic empowerment by restricting access to education and limiting their potential for personal growth and independence. It makes women more financially dependent, and therefore, more vulnerable. There's economic impact, too. Research by McKinsey highlights the economic loss due to financial exclusion of women, noting that closing the gender gap in labor force participation could add trillions to global GDP. Financial inclusion isn’t just a matter of equality – ensuring the same opportunities for all. It’s a matter of equity - ensuring women have the tools and access they need to fully participate in the global economy. That’s where technology enters the picture to level the field. The rise of mobile banking is a great example of innovation enhancing financial inclusion. According to a report by the International Finance Corporation, mobile money accounts are more popular among women in regions like Sub-Saharan Africa, where access to traditional banking is limited. Various fintechs provide financial literacy resources, helping women understand financial products, budgeting, and saving strategies. Other solutions include AI-driven platforms that offer personalized recommendations and advice, empowering women to make informed financial decisions. Aside from personal apps and solutions, fintechs can facilitate community-based lending and saving initiatives, allowing women to support each other through group savings or microfinance schemes, fostering a sense of solidarity and shared purpose. This International Women’s Day’s theme is "accelerate action". In my mind, nothing accelerates action like innovation. As we mark International Women's Day, let’s advocate and innovate to enhance financial inclusion for women worldwide. #IWD2025 #financialInclusion Papaya Global

The first money decision I made as a mom was to write a will! Here’s why. There’s a total of Rs. 1.96 lakh crore worth of assets lying unclaimed, deposited in banks, invested in savings, mutual funds, and shares in India. The government currently has Rs. 84,000 Cr in “unclaimed shares” alone! Why? Because we don’t do proper nominations or succession planning. Assets get stuck in legal formalities. Families don’t even know where investments exist. Without legal heirs, money sits with the government. If you don’t want your wealth to end up the same way, here’s what you should do: → Always add nominees in MF/Stocks/FDs. → Keep a list of investments + passwords/private keys shared with your family. Include login credentials, nominee details, and relevant contact information. → Draft a succession plan covering every asset, especially financial instruments. These are the 4 ways to do succession planning: 1️⃣ Gift deed - You can transfer investments while you’re alive (through gifting units/shares). 2️⃣ Will - Your assets transfer post-death, optimal if you have a single child (less contestation risk). 3️⃣ HUF - Helps you pool and manage ancestral assets + investments, and get tax benefits. 4️⃣ Trust - Useful if you have large, scattered, or international assets. It doesn’t matter if you're worth 5L or 50Cr. If your kids fight over your property or your money ends up with the government, everything you built is meaningless. Do you think the same? Follow Neha Nagar to master your money. #NehaNagar #willplanning #successionplanning

The Hidden Wealth Tax on Women no one talks about! Over coffee last week, a friend - marketing head at a major fintech firm, said something that stopped me cold: "I earn the same as my male counterpart. But I know I'll end up with far less wealth." She's right. And she's not alone. This isn't just about the pay gap. It's about four invisible taxes that compound over decades, systematically eroding women's lifetime wealth: 1. The Career Break Tax Take 3-5 years off for caregiving. You don't just lose 5 years of salary—you lose 5 years of raises, promotions, and compound growth. That single "break" can cost lakhs to crores in lifetime earnings. 2. The Part-Time Penalty Return at "part-time" hours? You'll likely do 80% of the work for 60% of the pay. It's marketed as flexibility, but it permanently caps your earning potential. 3. The Negotiation Gap Women negotiate less—not due to personality, but social conditioning. We're taught that asking is aggressive. Over 20 years, that "politeness" becomes a multi-lakh penalty. 4. The "Safety" Trap Women are steered toward "safe" investments—FDs and savings accounts earning 6-7%. Men are encouraged toward equity. That 4-5% return difference? Over 20 years, it's the difference between security and wealth. The solution isn't to "lean in harder" or "act more like men." The data tells a different story: Women are actually better investors than men. Less emotional trading. More discipline. Better long-term focus. The traits society penalizes in corporate culture are superpowers in wealth building. The system is rigged. But you don't have to play by its rules. Financial independence isn't optional—it's survival. To the women reading this: Have you cracked the code on any of these four taxes? Share your strategies below. Let's build collective wisdom that actually moves the needle! . . #personalfinance #moneymatters #financetalks #linkedinforcreators

$770 billion. That's the value India leaves untapped by not closing its gender gap. Not a statistic to skim over, but an opportunity hiding in plain sight. This Women's Day, I turned to data instead of quote cards. And the story it tells is far more layered than the headlines. In the last six years, women's workforce participation has risen from 23.3% to 41.7%. Nearly 68% of MUDRA loan beneficiaries are women. Gender budgets have grown more than fourfold in a decade. The shift is underway, slow but visible. Yet some patterns hold steady. Women still spend almost six hours a day on unpaid household work. They make up just 43% of STEM students. And despite similar ideas and credentials, women founders find it harder to access capital. The recent Economic Survey puts this in perspective. Women's participation in the economy isn't a social metric; it's a growth lever. India will need close to 55% female participation by 2050 to sustain its ambitions. Even a modest rise, Goldman Sachs says, could add a full percentage point to GDP. Working in education has made this real for me. Every time girls get access, they deliver consistently. The bottleneck was never talent; it was opportunity. At RP Goenka International School, 77.5% of our staff are women, a deliberate choice rooted in the belief that diverse perspectives make institutions stronger, more empathetic, and better equipped to shape young minds. When women lead in education, students see possibility modeled every single day. So this Women's Day, maybe we trade wishes for action. Mentor a girl in STEM. Back a woman-led startup. Pass along an opportunity to someone restarting her career. Because change rarely begins with celebration. It begins with inclusion. #InternationalWomensDay #WomenInLeadership #GenderEquality #WomenInEducation #EconomicEmpowerment

In our latest Global Strategy Paper, "Investing in Everything, Everywhere, All at Once”, we map out the 'World Portfolio'—the sum of all investable assets globally, which we estimate at roughly US$250 trillion (or 200% of world GDP). The World Portfolio acts as a de facto benchmark for global investors, and its composition reveals powerful macro trends. Currently, we see a heavy dominance of US assets in both equities and bonds, a rising weight of equities relative to bonds since the GFC (but not at Tech Bubble levels yet), and growth in alternatives. These are not just abstract trends; they are directly reflected in how investors are allocating their capital today. Why does this matter? Simply following this benchmark is not always a good idea. Our analysis shows that the World Portfolio has seldom been optimal and its performance varies materially with structural macro regimes. Its current concentration in US assets, while a tailwind in recent years, now presents significant risks from a diversification and valuation standpoint. This report provides a framework for investors to actively improve upon this global benchmark. We offer strategies for: 1. Strategic Tilting: Actively managing the equity/bond/Gold mix to navigate different economic environments. 2. Managing US Dominance: Assessing the sustainability of US outperformance and managing the associated FX risks for non-US investors. 3. Broader Diversification: Harvesting benefits from smaller assets and alternatives that are often missed by value-weighted benchmarks. In today's complex market, understanding the limitations of global benchmarks is crucial for effective strategic asset allocation. #assetallocation #gsmacro Read the report here: https://lnkd.in/eGxqZizt

We don’t talk enough about the truth behind generational wealth: most of it doesn’t last. You’ve probably heard of the “shirtsleeves to shirtsleeves in three generations” idea. It’s not a myth. It’s math. By the time the third generation comes along, only about 10 percent of a family’s original wealth typically remains. By the fourth generation, that figure drops to around 5 percent. Families spend decades building empires. But wealth without structure is fragile. It dissolves when values are not passed down alongside the money. At TIGER 21, we’ve spent years studying why some families endure and others fade. And the answer is surprisingly consistent. The families that thrive are the ones who treat their Family Office as more than a money manager. They treat it like a living institution built to last a century or more. There are four essential commitments we see in families that make it through the transition:     1.    They define a clear mission.     2.    They build governance before they need it.     3.    They plan for succession with intention.     4.    They invest in education. Here’s the bottom line: wealth does not disappear because of taxes or market cycles. It disappears when families fail to act like families. If we want more families to succeed, we need to focus on participation and preparation across generations. That is the real legacy. Not just transferring capital, but building capability. The future of Family Offices is not about size or sophistication alone. It depends on structure, shared purpose, and deep care. That is how families protect what they’ve built and create something that endures. To learn more about how families are addressing this generational challenge, download the full TIGER 21 Collective Intelligence Report titled "Four Family Office Strategies for Multi-Generation Wealth Preservation." https://lnkd.in/g_MeYZeH

𝘐𝘧 𝘐 𝘩𝘢𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘦𝘥 𝘪𝘯 𝘵𝘩𝘦 𝘚&𝘗 500 𝘪𝘯 2015, 𝘐’𝘥 𝘣𝘦 𝘶𝘱 𝘢𝘣𝘰𝘶𝘵 3𝙭 𝘵𝘰𝘥𝘢𝘺. Not bad, right? But I didn’t. I first bought real estate in 2015. Today, my cash on that deal is up roughly 10x. Here’s the paradox: 📈 S&P 500  • 50k invested → ~150k today  • Return driven by market performance  • You pay ~25% capital gains tax on the profit (in Germany) 🏠 Real estate  • Same 50k → used as equity on a 450k rental property (≈9x leverage)  • Mortgage + maintenance covered by rent + tax depreciation  • Property prices only increased ~4–5% p.a.  • But my cash grew from 50k → ~500k  • After 10+ years: 0% capital gains tax on the property (in Germany) So why did my real estate investments effectively beat the index? 👉 𝗦𝗶𝗺𝗽𝗹𝗲 𝗮𝗻𝘀𝘄𝗲𝗿: 𝗟𝗲𝘃𝗲𝗿𝗮𝗴𝗲.  • The property itself only did 4–5% per year.  • But with 9x leverage, your return on cash starts closer to 4.5% × 9 ≈ 40% (declining over time as the loan is paid down and leverage drops). 𝗧𝗵𝗮𝘁’𝘀 𝗵𝗼𝘄:  • Underlying asset: boring 4–5% p.a.  • On your cash: equity compounding in the mid-20%+ over years A few more important points: Real estate is 𝗡𝗢𝗧 diversified. One city. One building. One market. → Higher risk. But you have much more control over:  • Purchase price  • Financing structure  • Tenant quality  • Renovations & value-adds  • Tax optimisation Smart, leveraged real estate bets can outperform indexes after tax, especially in a system that rewards you for long holding periods and new-build investments. If I were a salaried employee earning 80k+ in Germany today, my playbook would be:  • Max my pension / ETF savings to stay diversified via a tax-advantaged account.  • Use additional savings to buy KfW-40 QNG+ new-build properties with even better tax breaks (than I had).  • Build a portfolio of 2–3 rental properties over my career. In 30 years, they’re paid off and generating passive rental income… while you’re sipping mojitos on the beach. 🏖️ Not investment advice: just the strategy that changed my own wealth trajectory 🚀

Breaking generational financial patterns isn't just about earning more, it requires fundamentally different thinking about money, time, and opportunity. After years of working with professionals who've built seven-figure net worths from modest beginnings, here's my advice on five key mindset shifts: 1. Master a high-income skill: Focus on building high-income skills that can pay you well monthly in any economy. Become irreplaceable by offering value that's in high demand. 2. Stack multiple income streams instead of just chasing raises: Don't just climb the career ladder. Create several ways to make money at once. Multiple smaller income sources often provide more security than one big paycheck. 3. Live like you're broke while building wealth: Keep your spending low even when your income grows. The gap between what you earn and what you spend is where wealth is built. This discipline creates the foundation for serious investment growth. 4. Network like your life depends on it: Your network equals your net worth. Build relationships across different industries and groups. Remember: opportunities flow through people. Give value first and focus on connections that can open doors. 5. Take calculated risks for investment: Make decisions thinking 5-10 years ahead while others focus on next month. Significant wealth comes from strategic risks that might cost you in the short term but pay off enormously later. The biggest difference? Think in decades, not days. While most chase quick wins, build for the long term. Becoming your family's first millionaire isn't just about money, it's about breaking old patterns and creating new ones that may feel uncomfortable at first but lead to lasting change. Check out my newsletter for more insights here: https://lnkd.in/ei_uQjju #executiverecruiter #eliterecruiter #jobmarket2025 #profoliosai #resume #jobstrategy #wealthbuilding #financialindependence

Is the American Dream slipping further out of reach for women? Men and women largely agree on what the American Dream looks like: owning a home, building a successful career, retiring comfortably and affording a car, according to a Bankrate survey. But their opinions on whether it feels achievable differ sharply. Just 1 in 4 women (25%) say they’re likely to reach their version of the American Dream in today’s economy, compared with 1 in 3 men (33%), according to Bankrate’s Financial Freedom Survey. Why the divide? It may come down to structural realities that are still hard to shake: the gender pay gap, caregiving responsibilities and delayed wealth-building opportunities. Financial struggles might be more salient to women. Women often carry more financial responsibility at home: Nearly 7 in 10 women (69%) say they’re the primary decision-makers on household investments, per the CFP Board. Among married women, it’s still a strong majority: 60%. That front-line view of the budget may also help explain why: - 77% of women said prices had risen from June to August 2024, vs. 71% of men (BLS Household Pulse Survey). - Women’s views on the economy are more negative — and have deteriorated faster than men’s — per the University of Michigan's Consumer Sentiment Index (May 2025). But the gap is more than just financial. It’s emotional and psychological, too — shaped by lived experience, daily stress and long-standing systemic barriers. - 30% of women have no emergency savings, nearly double the 18% of men without a rainy-day fund (per Bankrate Emergency Savings Report). - And 37% of women are struggling to cover usual household expenses, compared to 31% of men (BLS Household Pulse Survey, October 2024). And the impact is stark: According to Bankrate’s Money and Mental Health Survey, financial stress is correlated with missing bills (at 22% for people who say money has a negative impact on their mental health versus 7% who say it doesn’t). Meanwhile, people who worry about money are less likely to save for the future (at 20% vs. 24%) and invest (11% vs. 14%). When stress holds us back from future planning, it can reinforce the very challenges we’re trying to escape. My colleague Lane Gillespie dives deeper into the psychology and the pain points women face in pursuit of financial freedom. His latest reporting is well worth the read — and a reminder that these gaps are real, personal and worth paying attention to. Have you felt this divide? Would love to hear from other women in finance (or anyone working toward their own version of the American Dream). https://lnkd.in/eYXV2Nic