Lower rates of female property investment is another financial headwind women face. IMAGE Canva
  • Financial outcomes are poorer for women than men – especially those who separate or divorce.
  • Women are less nervous these days as there is plenty of expert advice and guidance available.
  • Ample opportunities currently exist for women to buy property to shore up their financial futures.

New research has highlighted the disparity between property investor genders with only 27 per cent of women indicating they own investment property.

The 2022 PIPA Annual Investor Sentiment Survey asked survey respondents from around the nation for their gender for the first time in its eight-year history, which produced the telling statistic.

Nicola McDougall and Kate Hill, the co-authors of the 2022 Australian personal finance and investment business book of the year, The Female Investor: Creating Wealth, Security & Freedom Through Property,  said lower rates of female property investment was another financial headwind women faced.

“Throughout their working lives, women have to navigate the gender pay gap, much lower superannuation balances, and poorer financial outcomes post-divorce – all of which will mean they will have inferior financial outcomes throughout their lives and in retirement,” Adviseable Property Buyer Ms Hill said.

“The fact that women only represent a smidge over a quarter of all property investors is another factor that shows women are just not on the same financial footing as men in this country.”

Ms McDougall, who is also the chair of PIPA, said many women may have been nervous about purchasing a property, either as a home or an investment, in years gone by, but there is plenty of expert advice and guidance available these days to assist them.

“Society has changed significantly since the days when women stayed at home to look after their children while their husbands were the main breadwinners,” Ms McDougall said.

“However, more and more research and lived experiences are proving that the financial outcomes for women are generally going to be poorer than men – and especially for those who separate or divorce.”

Adviseable Property Buyer Kate Hill IMAGE supplied
Adviseable Property Buyer Kate Hill IMAGE supplied

Ms Hill said ample opportunities currently exist for women to buy a home or investment property to shore up their financial futures.

“Market conditions are highly supportive at present given softer property prices and
lower buyer demand,” she said.

“Prospective property owners are also in the box seat from a lending perspective at the moment, too.

“The next six months will deliver ideal market conditions for any woman who wants to improve their financial situation via strategic property ownership.”

Nicola McDougal Director at Bricks & Mortar Media, PIPA chair, and co-author of The Female Investor IMAGE supplied
Nicola McDougal Director at Bricks & Mortar Media, PIPA chair, and co-author of The Female Investor IMAGE supplied

Ms McDougall said the difference that one or even two properties can make to a women’s financial independence throughout their lives should not be underestimated.

“I purchased three properties as a single woman and retained financial independence from my husband,” she said.

“This means that if our relationship ends, we can move on with our lives relatively seamlessly given we have financial independence from each other and are therefore unlikely to ever wind up in Family Court for months or even years on end.”



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