According to the 2nd edition of the Investor Mood Index study carried out by tyba –the fintech that is part of the leading financial services holding company in the country, Credicorp Ltd.–, Peruvian women stand out for their greater interest than men in investing in “Business” (M: 58% vs. H: 49%). This data stands out above other countries such as Colombia (M: 32%) and Chile (M: 43%), where the study was also carried out. Real estate (23%) and financial products such as mutual funds, stocks, cryptocurrencies; among others (12%) would be the following investment options that attract the attention of the Peruvian female population.
The same study, published by the investment application -towards the end of 2022-, also indicates that Peruvians, in general, describe their financial situation as: “Saving”but women stand out to a greater extent in this situation than men (M: 26% vs. H: 20%).
“Peruvian women stand out for being more interested in investment and savings, and although they are still behind in banking and investment, this curiosity should be capitalized to encourage them to have a more conscious management of their finances and access alternatives that are available equally of condition”, explained Orietta Mazuelos, tyba Strategy Lead.
Within the framework of International Women’s Day, the investment app, tyba, has shared some data that reveals an x-ray of how women investors on the platform are and their preferences when investing.
In terms of proportion, 27% of the people who invest through tyba in Peru are women, while the rest of the app’s clients are men. The youngest are the ones with the greatest presence: from 25 to 34 years old they are 43%, followed by the group from 18 to 24 years old with 21% presence and the third group is located between 35 to 44 years old (18%).
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Regarding the risk profile, that is, the risk tolerance, at different levels, that every investor must assume when investing; the women clients of tyba in Peru, are located mainly within the conservative and moderate risk profiles, and a smaller proportion in the aggressive risk profiles. Among the Top 3 of the 5 profiles that tyba manages, it is found that the one with the highest proportion in women is the Surfer (medium risk: 34%), followed by Cyclist (medium-low risk: 32%) and then Chess Player (low risk : 17%). For its part, the most risky, the Paratrooper, has a proportion of 6% of women with this profile.
In line with the risk profile of tyba women investors, the 3 preferred mutual funds among them are: CC Short Term Soles (38%), CC Conservative Liquidity Soles (22%) and CC United States Shares (6%). The first two funds have more conservative characteristics, their investment is in debt instruments, in local currency and in time periods of a maximum of 1 year. While the third is more risky because it invests in shares of the main companies in the United States. Finally, regarding the goals established by women who use the tyba app to invest, the main ones are: Travel (22%), Home (7%) and Studies (5%).
The investment app also revealed that in terms of holding financial products, Peruvian women mostly have a savings account (84%). Likewise, according to data from the Investor Mood Index study, 30% have a credit card and 16% have a loan, be it free, investment, educational or other.
“From tyba we dedicate efforts to contribute to financial education in Latin America. Our platform not only provides access to a wide variety of national and international mutual funds, allowing you to invest in soles and/or dollars, but also has an ecosystem that is a source of financial education for anyone who wants to start in the world of investments. . Women should have access to the same type of opportunities in the world of finance and our app gives them the opportunity to start investing in options from S/ 20 or USD 5″concluded the leader.
