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Women's interest, attitudes and involvement with their wealth.

机译:妇女的利益,态度和对财富的参与。

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摘要

Over the next few decades, significant wealth from one generation to the next will transfer, with an unprecedented amount residing in the hands of women. Because women live approximately seven years longer than men, how women handle these decisions around wealth will greatly impact how this wealth is viewed, used and transferred (U.S. Census Bureau, 2000). Although comprising 46.3% of wealth holders (IRS, 2005), little is known about women's attitudes, practices and intentions when it comes to their wealth. Interested in women's complex relationship to wealth, the researcher, a woman inheritor and executive in a multi-family office, is personally connected to this topic.;Affluent women (N=555) were invited to take an online survey addressing their interest, knowledge, attitudes and involvement with wealth management in their families. At its conclusion, participants were invited to participate in a phone interview and/or an online focus group, which informed women's experience of handling wealth from a feminine perspective. In total, 115 participated, 12 were interviewed and 6 participated in the focus group.;Although the literature centers around women inheritors, this study provided new insights to women's relationship to wealth. Most participants (N=79) indicated that some wealth was inherited and 84% (N=97) had a Bachelor's degree with 53% (N=61) currently employed. Noting obstacles to handling their wealth including low confidence, lack of knowledge and reliance on a spouse, women also see opportunities including acquiring financial education for themselves (N=99), supporting family members financially with their educations (N=92), and raising financially independent children (N=109). Most women (N=80) intend on being equitable with heirs, a departure from primogeniture and giving (N=89) approximately 20% to philanthropy upon death.;Despite historic challenges to handling wealth, women feel more empowered, in control and interested in managing their wealth than in earlier studies (Bronfman, 1987; Burka, 1985; Frankfort, 2003; Hausner, 1990; Hughes, 2004). Communication and education are vital practices to successfully managing family wealth, a point of difference from prior research (Blouin & Gibson, 1995; Bronfman, 1987). Preparing and mentoring heirs, communicating wealth transfer intentions, along with acquiring financial education and long-term planning were important activities to sustaining wealth across generations.
机译:在接下来的几十年中,一代又一代的大量财富将转移,而空前的财富将掌握在女性手中。由于女性的寿命比男性大约长七年,因此女性如何处理围绕财富的决策将极大地影响人们如何看待,使用和转移这种财富(美国人口普查局,2000年)。尽管妇女占财富持有者的46.3%(IRS,2005年),但对于妇女在财富方面的态度,做法和意图知之甚少。对女性与财富的复杂关系很感兴趣,研究人员,女性继承者和多家族办公室的执行官亲自与此主题相关。;富裕女性(N = 555)被邀请进行在线调查,以探讨她们的兴趣,知识,对家庭财富管理的态度和参与度。最后,邀请参与者参加电话采访和/或在线焦点小组,这些小组从女性角度介绍了女性处理财富的经验。总共有115名参与者参加了访谈,有12名受访者参加了讨论,有6名参与者参加了焦点小组讨论。尽管文献集中在女性继承人的周围,但这项研究为妇女与财富的关系提供了新的见解。大多数参与者(N = 79)表示继承了一些财富,其中84%(N = 97)拥有学士学位,目前雇用53%(N = 61)。妇女注意到处理财富的障碍包括信心不足,缺乏知识和对配偶的依赖,妇女还看到了机会,包括自己获得金融教育(N = 99),通过经济上的教育支持家庭成员(N = 92)以及提高收入财务独立的孩子(N = 109)。大多数妇女(N = 80)打算与继承人平等,从长子继承制出发,在死亡时将约20%(N = 89)捐给慈善事业;尽管在处理财富方面遇到了历史性挑战,但妇女感到更有能力,有控制力并有兴趣在管理财​​富方面比以前的研究要好(Bronfman,1987; Burka,1985; Frankfort,2003; Hausner,1990; Hughes,2004)。交流和教育是成功管理家庭财富的重要实践,这与先前的研究有所不同(Blouin&Gibson,1995; Bronfman,1987)。准备和指导继承人,传达财富转移意图,以及接受金融教育和长期规划,都是维持几代人财富的重要活动。

著录项

  • 作者

    Rosplock, Kirby.;

  • 作者单位

    Saybrook Graduate School and Research Center.;

  • 授予单位 Saybrook Graduate School and Research Center.;
  • 学科 Womens Studies.;Economics Finance.;Psychology General.
  • 学位 Ph.D.
  • 年度 2007
  • 页码 214 p.
  • 总页数 214
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 整形外科学(修复外科学);
  • 关键词

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