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女性的理财能力更好吗? – 译学馆
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女性的理财能力更好吗?

Are Women Better With Money?

Today’s episode of Two Cents is all about the ladies.
今天的这期《两分钱》全都是关于女性的
Oh. Should I go?
哦 我要走开吗?
No. You should listen.
不 你要听着
[Two Cents]
《两分钱》
Okay ladies. Time for a little real talk.
好了 姑娘们 是时候真正谈一下了
Women report feeling high or overwhelming levels of financial stress
调查显示 女性感受到的经济压力之大
twice as often as men.
是男性的两倍
Why is that?
为什么?
There are two major reasons: The first is compensation.
有两个主要原因 第一个是报酬
The gender pay gap is real and it is nasty.
男女间的薪酬差距的确存在 而且让人讨厌
In 1988, American women made an average of 66 % of what a man would make
1988年 在相同的职位上 美国女性平均薪资
in an equivalent position.
只有男性薪资的66%
And today, that number is up to… 80%.
现在 这个数字上升至……80%
And during that same period,
与此同时
women have had to shoulder more financial burden,
女性要肩负更多的经济负担
with dual income households on the rise,
随着双收入家庭数量增加
and 42 % of today’s mothers with children under 18
在育有未成年孩子的母亲中
being the primary or sole breadwinner.
有42%是家里首要甚至是唯一赚钱的人
And this has life-long implications.
这是会影响女性一生的
The less you’re paid,
你的薪酬越少
the less you’re contributing to social security, which means
你能投入到社会保障的资金就越少 这也就意味着
we have to be setting aside MORE of our already smaller paychecks for retirement.
我们要从本来就比男性少的工资中 抽出更多钱为退休做准备
And that doesn’t even take into account
而且还没有考虑到
the fact that we tend to live longer,
我们活得越来越久的这个事实
which is hardly a plus if you’re spending those extra few years
如果多出来的那几年会穷困潦倒
in abject poverty.
活得长也未必是好事
The second reason is confidence, or a lack thereof.
第二个原因是信心缺乏
In my research and professional experience,
就个人研究和职业经验而言
I have seen women consistently undervalue
尽管一部分女性的决定往往是正确的
their money management skills — even when they tend to make the right decisions!
她们还是会常常低估自己的理财技巧
In a University of Cambridge study,
剑桥大学的一项研究显示
just 42 % of female business owners said their business is prospering
只有42%的女性企业家觉得她们把事业经营得很成功
compared to 62 % of males —
而有62%的男性觉得如此
despite the fact that the female-run businesses
但是调查表明 女性经营的生意
reported higher average profits!
平均利润会更高!
Less than half of women said
不到一半的女性说
they’d be comfortable consulting a financial professional,
她们愿意咨询金融专家
and only 20% said they discuss money with friends and family.
并且只有20%的女性说她们会与自己的朋友及家人谈论钱
That doesn’t leave a lot of opportunities to increase your skill set.
这也就是说你失去了许多锻炼自己的机会
Shrinking that wage gap is a long-term, collective battle,
缩小收入差距 并非一朝一夕就能完成 需要大家共同努力
but you have more personal control over your financial confidence,
但是你要对处理好自己的财务有信心
and it starts with learning why women are actually GREAT with money.
而这就要从知道女人擅长与钱打交道的原因开始
Women are better investors!
女性是优秀的投资者
Only 43 % of women said they were confident in their investments,
只有43%的女性说 她们对自己的投资有信心
but a 2014 study showed that
但是一个2014年的研究显示
women outpaced equivalent male investors’ returns by 12%!
女性投资者的回报要比相同的男性投资者多12%!
Why?
为什么?
Because women tend to be more conservative investors
因为女性更倾向于保守投资
and think of their financial picture more holistically.
还会全面考虑她们的财务状况
Men, on the other hand,
另一方面
are more focused on achieving certain rates of return,
男性会更注重有无达到一定的回报率
which drives them to buy and sell more often
这也驱使他们经常买卖
and be more likely to hop on trendy bandwagons like Tesla and Bitcoin!
更会去追赶潮流 像是特斯拉和比特币
This impatience means that men are 25 % more likely to
他们往往没耐心 这意味着男性比女性要多出25%的可能
lose money on their investments.
会亏掉投资的钱
And the same thing seems to be true in the bond market!
同样的事情在债券市场中似乎也是如此
During the past 15 years,
过去的十五年间
women run fixed-income funds outperformed the average returns
女性管理的固定资产的平均收益
of those of run by men.
要比男性的要多
Women manage debt better!
女性可以更好地管理债务
Although we typically earn less,
尽管在通常情况下 我们赚的更少
there is evidence we are better at managing personal debt.
还是有证据表明 我们能更好地管理个人债务
Back in 2015 Experian came out with a study
2015年益博睿发表的一项研究显示
that showed on average,
大体上
women had slightly higher credit scores than men.
女性的信用度要比男性些微高点
And men tended to have more consumer debt on the books.
并且男性账面上可能有更多消费债务
According to one study in the developing world,
根据发展中国家的一份研究显示
women had a 97 % payback rate on micro-loans extended to them
女性的小额贷款 偿还率为97%
and were far more likely to reinvest back into their businesses
而且她们更有可能重新投资到她们的生意中
rather than blow it on luxuries like men tend to.
而不是像男性一样更喜欢花在奢侈品上
Women make excellent business owners!
女性是优秀的企业家
Women now account for 40 % of new entrepreneurs in the United States.
现在 在美国 女性占新企业家人数的40%
And many of them are killing it!
并且许多女性企业家做得非常好!
According to a Harvard Business review study
哈佛商业评论中的一个研究表明:
women tend to excel at influencing others
女性更擅长影响他人
to support their vision,
来支持她们生意上的构思
and managing operations behind the scenes,
同时 她们擅长在幕后运营操作
especially when resources are limited.
特别是当资源有限时
We’re pretty used to having to make the most of what we’ve got.
我们习惯将自己拥有的资源发挥到极致
And we are gaining ground!
而且我们也在不断进步!
Approximately 40% of U.S. working women now out-earn their husbands.
现在 近40%的美国职业女性 赚得比他们的丈夫还多
And over the next decade,
而且 未来的十年内
women will control two-thirds of all consumer wealth in the United States,
女性将会掌握美国三分之二的消费财富
with many female baby boomers experiencing a double inheritance,
因为许多在婴儿潮出生的女性
from parents and their spouse.
会获得父母和配偶的双份遗产
We’re also getting more educated!
我们也获得了更多的教育机会
In 2013, women earned 56 % of all bachelor’s degrees
2013年 在所有获得学士学位的人中 女性占56%
and 60 % of all master’s degrees.
而且占硕士学位人数的60%
And we hold the keys to the greatest economic tool on earth:
并且 我们把握着世界上最厉害的经济工具
75% of women reported that
据报道 75%的女性
they were the primary shoppers for their households.
是家里首要的采购者
Which means we are making the decisions that
这意味着是我们决定
determine which products and services prosper.
哪个产品或服务项目能够获得成功
Obviously, this is a topic I’m passionate about
很明显 这期视频的主题让我热血沸腾
and a short video simply can’t cover all the problems
一个短视频根本涵盖不了女性面临的所有问题
and possibilities women face.
和我们面对的多种可能性
But if I can leave you with one thing it’s this:
但如果我只能告诉你一件事 那就是
financial empowerment will NOT be given to you.
经济权是靠自己努力争取的
It must be claimed.
而不是被人赋予的
-And that’s -So let’s stretch out our hands ladies!
-这是 -所以让我们大展身手啊 姑娘们!
Do it for yourself and the ones closest to you.
为自己也为了亲人
They’re following your lead whether you realize it or not!
不管你有没有意识到 你正在引领他们啊!
-And that’s our -And that is my ONE cent!
-这就是我们的 -以上是我的”一分钱”

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视频概述

介绍女性感到经济压力的原因及女性有资格获得更多经济权利的原因

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视频来源

https://www.youtube.com/watch?v=CZxPMnLnWJQ

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