Research finds women are investing earlier than men | will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by will always be from Be Scamsmart.


Michael Brown

Content Writer
Published: 23/05/2022

Not having “spare” money was the primary reason why both men and women did not consider investing earlier.

According to research from Janus Henderson, an asset management company, women start investing at an average age of 32, three years younger than their male counterparts.

“It’s great to see that women are making the decision to invest earlier than men, and it certainly gives hope that the industry is making some headway in helping close the gender savings gap,” said James de Sausmarez, Head of Investment Trusts at Janus Henderson.

Combined, this means the average UK investor started investing at 34 years of age. However, when asked why they did not start investing earlier, more than half of the respondents cited a lack of “spare” money as the primary cause.

“The majority of those surveyed cited lack of spare cash as the primary reason they didn’t start investing earlier, which is particularly poignant in the current context of rising living costs. Young investors are right to prioritise building up a cash pot and reducing ‘bad’ debt, but investing doesn’t have to be about large chunks of capital,” said de Sausmarez.

In addition to this, 27% of respondents did not invest earlier because they thought they were too young. A further 26% were not aware of the importance of investing, and another 18% said that they were worried about risking their savings.

For de Sausmarez, this demonstrates a lack of financial education among respondents.

“It’s crucial that first-time investors understand that the first pound invested is in many ways the most important one because starting that process as early as possible, regardless of how much or how little money it involves, is the first step towards achieving that goal of ensuring a comfortable retirement,” he concluded.

Janus Henderson Investment Trusts commissioned Opinium Research to conduct a survey of 1,008 UK adults holding investment products to gather this research.

How can you start investing?

If you are thinking of investing, then we suggest you discuss your options with a qualified financial adviser.

During these discussions you can explain what your investment goals are and how much you can commit each month towards your investments.

The same research from Janus Henderson found that the average investor committed 16% of their salary towards their investments. However, it is important to note that this will differ depending on your earnings and goals.

Kellands Hale are our preferred financial advisers, and you can schedule a meeting with them today.

Starting with a stocks and shares ISA

A stocks and shares ISA can be one means of starting your investment fund. Not only does it help you save towards your investment goals, but it also has a range of unique tax advantages.

A stocks and shares ISA can invest your money across a range of investment vehicles, from company shares to Exchange Traded Funds (ETFs).

This means there is a level of unpredictability when investing in a stocks and shares ISA. While a cash ISA will guarantee your returns with an interest rate, stocks and shares ISAs rates are more difficult to predict.

More information on stocks and shares ISAs can be found on our guide, which also includes a number of providers to consider and further comparisons with cash ISAs.

For more information on cash ISAs, you can visit a similar guide too.


Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time. Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

Cookies will, like most other websites, place cookies onto your device. This includes tracking cookies.

I accept. Read our Cookie Policy