Nangona kunjalo, izikhala ziqhubeka- umvuzo wokuzuza kwabafazi ukuya kuma-amadoda wawungama-80 ekhulwini ngo-2016, ngokwemibiko ye-American Association of Women's University (AAUW).
Ekubeni "#TheFutureIsFemale," kuya kuthi ukuvala ezo zikhefu. Nazi izicwangciso zokutyalomali kwabasetyhini abanokuba nefuthe elikhulu.
Buza Ngubani Olawula Imali Yakho
"Abafazi abaninzi baphatha imali, imali ethe xaxa ifakwe kwimicimbi yabasetyhini abakhathalelayo," kusho u-Nathalie Molina Niño, i-CEO ye-Brava Investments. "Xa umntu ezisa umphathi weefowuni enye, sithetha malunga neebhiliyoni zeedola ezihanjiswe kwindlela eyahlukileyo." Uthi imibuzo enjengeyo "Bangaphi abaphathi bakho beemali ngabafazi?" Basebenzisekile shishini, kodwa ngoku ukuba abantu abaninzi banokubuza, amaziko amakhulu akhathazeka-ikakhulu ngenxa yokuba impendulo kaninzi "akukho" okanye "bambalwa."
Ngoko ukuba unomalimi-naliphi na uhlobo-kwaye olubandakanya 401 (k) kunye nee-IRA -zama ukuthumela i-imeyile kumlawuli wabacwangcisi bakho. Yithetha into efana nale, "Ndingathanda ukwazi apho imali yam iya khona. Unako ukundinika inani labantu abaphathi bakho bemali?
Yiyiphi ipesenti yabo ngabasetyhini? "Wena kunye nabo osebenza nabo banokufikelela kwiindawo eziphezulu kwiinkampani (unokufumana amagama abo kwaye, ngokuqhelekileyo, ifomathi yefayili ye-intanethi). Emva kokuba ufumene impendulo, cinga ukuhambisa imali yakho kwiimali ezikhokelwa ngabasetyhini kwi-platform yakho yangoku okanye enye.
Utyalole kwiinkampani zabaNkokheli baBafazi
Abasetyhini banamaphesenti angama- 4.2 kuphela kwii-CEO kwii-khampani zaseMelika ezinkulu kakhulu, ngokutsho kwesifundo esivela kwi-FORTUNE Knowledge Group.
Kwaye kwiseshoni ehambelanayo, nangona i-70 ekhulwini yabaphenduli bathi inhlangano yabo "ilandela isicwangciso sobuchule besifazane," malunga nesiqingatha sazo sichaza ukuba inkampani ibeke loo migaqo inxaxheba.
Yingakho kubalulekile ukuba abafazi batyathele kwiinkampani ezixhasa abanye abafazi. Omnye umzekelo? I-Pax Ellevate ye-Global Women's Index Fund (i-PXWEX). Ingxowa-mali kunye noSallie Krawcheck, inkokeli yomcebisi wezezimali wezedijithali uStevest, ekhonza njengesihlalo. Nantsi i-scoop: Ithawula iinkampani ngokubhekiselele ekusebenzeni kwazo ngokubhekiselele kwesini-njengabaninzi abafazi abakhonza ebhodini okanye njengabaphathi abaziintloko-kwaye ubeka imali yakho kwizinto eziphuma phezulu. Isekelwe kuphando lwehlabathi elibonisa ukuba ngabafazi abaninzi kwi-helm kunokwandisa iindleko kunye neendleko eziphantsi, utsho uBlayney. Ngokuphathelele iziphumo? Le ngxowa-mali yabonakalisa i-Index ye-MSCI yehlabathi kwixesha eliyiminyaka emithathu eliphela ngo-Septemba 30, 2017.
Jonga ukuLawula
"Sithetha ngexesha, ubuncwane kunye neetalente, kwaye zonke ezo zinokuthi zibekwe ekuqhubekisweni phambili kwabasetyhini kunye namantombazana," kusho u-Eleanor Blayney, umcebisi okhethekileyo malunga nokuhlukana kwezesini kwiChodi yeBhodi yeCFP yeCwangciso seMali. Iinkokeli ezinkulu zibuyela emva ukubanceda abo balandelayo, kwaye enye indlela yokwenza oku iya kuba ngumcebisi.
Ukuba unomdla, cela abo osebenza nabo ukuba bayazi naziphi na abaqeqeshi abangena kwi-shishini lakho, batyala imali kumfazi oqala umsebenzi wakhe kwinkampani yakho okanye ujoyine inethiwekhi yabacebisi abafazi (njengama-Million Women's mentors for work STEM).
Ukunikela kwabasetyhini abasomashishini
I-Kiva Microfunds yinhlangano engenzi nzuzo kunye nesixhobo se-microloan esivumela abantu ukuba babole imali kwabanye abanesidingo emhlabeni wonke, ukuqala kwi-$ 25. Ijolise kubanini-mali abancinci kunye nabafundi kumazwe angaphezu kwama-80, okwenze kube lula ukufumana abafazi kunye nokutshala imali kwixesha labo. Umbutho unomlinganiselo wokubuyiswa kwemali yemali ye-100% kunye nesilinganiselo seenkwenkwezi ezine ukusuka ku-Charity Navigator. Inketho ephezulu ephezulu yi-SheEO, inkampani ethatha iminikelo kwimali eyi-1,100 yamawaka ukuxhasa abesimashishini abasetyhini kunye nokukhula kwamashishini abo.
Abaxhasi, ababizwa ngokuthi "abaqhubi," banokuvota rhoqo apho abafazi abakhokela khona beza kuxhaswa nge-nonprofit fund.
Ukuxhasa ukuFunda ngezeMali kwaBamantombazana
"Kukho izizathu ezizodwa zokuba kutheni abafazi kufuneka bathathe ulawulo lwemali ngemfundo nokuxhotyiswa," kusho uBlayney. (Isizathu esinye esikhulu: Abafazi bathambekele ekubolekeni ixesha elide kunamadoda, ngoko baya kufuna imali engaphezulu kwixesha labo lobomi.) Nangona kunjalo, malunga neepesenti ezingama-35 zamadoda ehlabathini lonke bayazifunda ngokwezimali, xa kuthelekiswa nama-30 ekhulwini kwabasetyhini, ngokwehlabathi Uphando lwezemali lokufunda nokubhala nge -Standard & Poor's Ratings Services . Ukuqhubela phambili umbandela, ama-17 kuphela athi afune abafundi bezikolweni eziphezulu ukuba bathathe ikhosi yezemali-kwaye loo nombolo ayitshintshi ukususela ngo-2014, ngokweBhunga leMfundo lezoQoqosho.
Iindaba ezilungileyo: Imibutho efana ne-Rock Street, i-Wall Street (i-501 (c) (3) engenzi-nzuzo) ijolise ukuzalisa ikhefu. Inkqubo yokufunda nokubhala ngemali yonyaka efundisa amantombazana aphakamileyo aphezulu ngemisebenzi yezemali, kunye nenkqubo ibandakanya imfundo malunga nokugcina, ukutshala imali, iimarike ezinkulu kunye nokulungiswa kwemali kwiikholeji. Iingeniso-nzuzo ezinjengale nto zithatha ukwamukela ixesha elilodwa okanye izihlandlo eziphindaphindayo nawaphi na ubungakanani.