Women Investors: How Tokenization Opens up More Space

Women Investors: How Tokenization Opens up More Space

Women investors are a growing number in the Brazilian economy, and good news for them is that their representation can increase with the investment in financial assets tokens.

With the growth of the economy, the tendency is an increase in female investment, both in population and in products and values. In favor of this scenario, there are characteristics of the behavior of Brazilian female investors.

  • They are more studious about each financial product;
  • They take decisions more carefully, but they like and accept risks;
  • They invest with more focus on achieving their goals with the investment than on profitability.

This overturns the myth that women are conservative when it comes to investing; they just want to make decisions that are not tested all the time, since the goal is to form capital and not to constantly seek the most profitable investment.

And where does tokenization come in as an investment option?

Tokenized financial assets have advantages that meet women’s needs to invest with agility, security, and great results.

In this article, BLOCKBR brings an overview of the female investor market and how financial product tokens can contribute to increase the success of women investors!

THE SCENARIO OF WOMEN INVESTORS IN BRAZIL

According to data from a survey by ANBIMA, the association that brings together the institutions that offer investment in the capital market, 45% of Brazilian investors were women in 2020. [link externo]

It is an important number, especially since it has been an extremely difficult year for all families. With the resumption of growth and the economy, the tendency is that more women will decide to invest.

WHAT IS THE PROFILE OF BRAZILIAN FEMALE INVESTORS LIKE?

  • Almost one third of Brazilian women (28%) have an investment;
  • Average age of the investor: 44;
  • The average income is 2,300 reais;
  • Nine out of ten women investors are in classes A, B and C;
  • Four out of ten women investors have higher education.

With the average income below 3,000 reals, demonstrating that these are jobs far from management, it is natural to invest more carefully. In addition, the formation of capital to invest is still something new in the female population, for all the historical factors shown.

WHAT IS THE PRODUCT PROFILE OF BRAZILIAN FEMALE INVESTORS?

The vast majority of Brazilian female investors (83%) invest their reserves in savings, followed by private bonds (7%), mutual funds (6%), cryptocurrencies (4%), and stocks (3%).

This data is worrisome, as it indicates that they don’t have the time or knowledge to research and generate passive income in bolder products or prefer to be more careful when investing.

The fact that they are heads of household and, therefore, need to count on a safety reserve weighs heavily – savings, even though it is not currently an investment, because it does not generate real earnings, is less exposed to risks in banks.

On the other hand, the number of women investing in stocks has risen from 180,000 in 2018 to nearly 1.2 billion by 2021 – a 567% increase in three years.

This shows that there is a move in the direction of riskier financial assets.

WHAT HINDERS THE GROWTH OF THE FEMALE INVESTOR PUBLIC?

Although the numbers are favorable, some factors still insist on weighing negatively on the growth of the female investor market, and they are no different from those that for decades have prevented women from achieving their space in society and in the economy.

GENDER INEQUALITY

Despite the many conquests of women’s social and professional space in the last decades, the professional scenario is still predominantly male in several sectors, especially where average salaries are higher (greater ability to invest).

ECONOMIC CRISIS AND UNEMPLOYMENT

Women earn 34% less than men, according to a study by Catho Consultoria. Therefore, they give up investing faster when there is an economic crisis or they are unemployed, because the severance pay is lower.

Furthermore, in Brazil there are currently more than 11 million solo mothers, with little or no investment capacity, which increases the abyss between men and women when it comes to the possibility of investing and building a better future.

MASTERY OF THE INVESTMENT LANGUAGE

Mastering the language of investments is another skill, among many, that for years was almost exclusively the preserve of men, due to the structural gender inequality that kept women away from family finances – and even from their own, in macho contexts.

Another factor is the absence of financial education in schools and universities, which also weighed more heavily on women, especially those who take longer to reach the job market.

Benefits for women in tokenization

HOW TOKENIZATION OPENS SPACE FOR WOMEN IN THE INVESTMENT MARKET?

If the conquest of space for women is still challenging in some aspects, the numbers of female investors are encouraging for a medium and long term growth.

Tokenized financial assets can be an excellent investment option. Let’s look at the reasons.

DECENTRALIZATION

One of the principles of asset tokenization is decentralization; there are no institutions between the investor and the assets. If the investor wants to invest in debentures or tokenized shares, she will handle the whole operation electronically.

This provides freedom for options to be studied and chosen without pressure from institutions (and their costs).

REGULATION

If for investors, decentralization means agility and freedom of choice, for the offerer it is mandatory to have regulation at the CVM so that the people who invest have confidence in the company that is offering.

ASSET FRACTIONATION

This is a unique feature of tokenization: a financial asset can be fractionated into several tokens of smaller value. With this, small investors can also participate in the cryptoactive world!

DEBUREAUCRATIZATION

The absence of intermediaries makes the investment operation simpler and more agile, besides having a lower final cost. You only need to have an account at an exchange(token broker )

DIGITAL SECURITY

A financial digital asset is offered on a blockchain – a digital environment that has the highest security protocols. With its encryption and its system of recording data in blocks, fraud or cyber-attacks are not possible.

Want to know more about blockchain?

DIGITAL EFFICIENCY

For every transaction with a digital financial asset, there is a smart contract, a digital file where all the conditions of the offering, the rights and duties of the token holders and investors, and the payment of future remunerations are located.

Nothing can be done except by smart contract and in electronic form. There is no interference from people, which ensures that all conditions are met and prevents fraud.

Want to know more about the intelligent contract?

AVAILABILITY

The blockchain is a digital ecosystem that runs uninterrupted, without the possibility of downtime because it is supported by a network of supercomputers. So just log on to the net any day and time and make the investments!


BLOCKBR Digital Assets
is a fintech that brings together technological innovation and digital knowledge to transform physical assets into digital assets, in the process of tokenizing assets.

The offer of tokenized physical and financial assets, both current and new, is democratic and decentralized, which makes investing safer, simpler and more efficient.

We enable, structure, issue and offer tokens on our platform and beyond. Be aware that tokens depend on feasibility and regulatory factors.

Do you want to tokenize your business or part of it? Do you have a business solution and does it make sense to issue your own token ?

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Baixe agora o Guia sobre Tokenização para Iniciantes da BLOCKBR e entenda mais sobre essa Inovação!