Produsele de economisire clasice (depozite bancare \u015fi conturi de economii) sunt preponderent utilizate de c\u0103tre b\u0103rba\u0163i, \u00eens\u0103 femeile recupereaz\u0103 decalajul \u00een ceea ce prive\u015fte produsele de economisire \u015fi investi\u0163ii pe termen lung.<\/p>\n
\u00cen cazul produselor clasice de economisire (de tipul depozit bancar sau cont de economii), tendin\u0163a general\u0103 este ca b\u0103rba\u0163ii s\u0103 economisesc\u0103 mai mult dec\u00e2t femeile, \u00een medie cu 17%, relev\u0103 un studiu intern al BCR efectuat pe portofoliul de clien\u0163i ai b\u0103ncii.<\/p>\n
Diferen\u0163ele \u00een comportamentul de economisire \u00eentre femei \u015fi b\u0103rba\u0163i sunt vizible \u00een analiza pe segmente de v\u00e2rst\u0103. Astfel, \u00eentre 30 – 40 ani, b\u0103rba\u0163ii economisesc semnificativ mai mult dec\u00e2t femeile, \u00een medie cu 23% mai mult. Dup\u0103 v\u00e2rsta de 40 de ani, diferen\u0163ele dintre b\u0103rba\u0163i \u015fi femei \u00eencep s\u0103 se aplatizeze: b\u0103rba\u0163ii tind \u00een medie s\u0103 economiseasc\u0103 doar cu 15% mai mult dec\u00e2t femeile (sub media general\u0103).<\/p>\n
Decalajele sunt \u00eens\u0103 recuperate \u00een ceea ce prive\u015fte produsele de economisire \u015fi investi\u0163ii mai complexe. Pe segmentul fondurilor de investi\u0163ii, raportul femei-b\u0103rba\u0163i este de 43% versus 57% din investitori, iar \u00een cazul contractelor de economisire-creditare disponibile prin BCR Banca pentru Locuin\u0163e, raportul se inverseaz\u0103 – 54% femei versus 46% b\u0103rba\u0163i \u00een r\u00e2ndul contractan\u0163ilor.<\/p>\n
Aproape 50.000 de clien\u0163i femei (43% din num\u0103rul total de investitori) au investit \u00een fondurile administrate de Erste Asset Management o sum\u0103 total\u0103 de aproximativ 1 miliard de lei. Femeile care investesc \u00een fondurile Erste Asset Management sunt mai degrab\u0103 prudente \u015fi orientate c\u0103tre stabilitate, aleg\u00e2nd \u00een mare parte fonduri cu un grad de risc sc\u0103zut, care investesc \u00een instrumente cu venit fix.<\/p>\n
Decizia de investire este luat\u0103 de femei la maturitate \u015fi mai ales \u00eenainte de pensionare (36% \u00een cazul BCR Obliga\u0163iuni), prefer\u00e2nd s\u0103 investeasc\u0103 to\u0163i banii \u00eentr-o singur\u0103 tran\u015f\u0103. Femeile sunt hot\u0103r\u00e2te \u015fi statornice \u00een decizia de investire pe care au luat-o, av\u00e2nd \u00een vedere c\u0103 majoritatea sumelor de bani sunt investite pe termen mediu (40%) \u015fi lung (32%). BCR estimeaz\u0103 c\u0103 femeile vor alege \u00een continuare investi\u0163iile pe termene mai mari de un an, \u00een fonduri cu expunere pe obliga\u0163iuni, tendin\u0163\u0103 confirmat\u0103 de anul trecut.<\/p>\n
BCR estimeaz\u0103 c\u0103 \u00een viitor femeile \u00ee\u015fi vor construi portofolii de investi\u0163ii formate din cel pu\u0163in dou\u0103 fonduri \u015fi vor opta ca o parte din sumele investite s\u0103 fie orientate c\u0103tre fonduri cu grad de risc mai ridicat.<\/p>\n
Conform studiului IRES “Proiec\u0163ii sociale ale rom\u00e2nilor pentru 2012” publicat \u00een ianuarie, peste 30% dintre femei \u015fi-au declarat inten\u0163ia de a economisi \u00een 2012, fa\u0163\u0103 de peste 43% dintre b\u0103rba\u0163i, ceea ce \u00eenc\u0103 reflect\u0103 un decalaj de venituri \u015fi independen\u0163\u0103 financiar\u0103. Cu toate acestea, \u00een special \u00een segmentele cu venituri mai mari se poate observa o cre\u015ftere a puterii financiare a femeilor din Rom\u00e2nia, lucru reflectat mai ales \u00een comportamentul de investi\u0163ie al acestora.<\/p>\n","protected":false},"excerpt":{"rendered":"
B\u0103rba\u0163ii economisesc \u00een medie cu 17% mai mult dec\u00e2t femeile prin intermediul produselor clasice, \u00een schimb diferen\u0163ele se reduc \u00een cazul solu\u0163iilor de economisire \u015fi investi\u0163ii mai complexe, potrivit unui studiu al BCR.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[7267,12946,5078,4126,7573,26911,7930,200,149],"class_list":["post-54157","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-barbati","tag-bcr","tag-clienti","tag-economii","tag-economisire-creditare","tag-erste","tag-femei","tag-investitii"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/54157","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=54157"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/54157\/revisions"}],"predecessor-version":[{"id":70743,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/54157\/revisions\/70743"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=54157"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=54157"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=54157"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}