T
he landscape of wealth in the UK is undergoing significant changes, with women playing a more prominent role in shaping the country's financial future. According to Reuters, women now comprise 46% of Britain's millionaires, growing by 11% annually. With 25 female billionaires in the UK and increasing numbers of women advancing into senior roles, their financial influence is rising.
However, despite this growing clout, investment in real estate debt remains an underexplored avenue for many women. Research suggests that less than a third of real estate investors are women, despite representing 39% of global employment in the sector (McKinsey & Co). Investing in real estate debt offers distinct advantages, including capital preservation and growth, with potentially more efficient returns compared to stocks or shares.
One key benefit is the flexibility it provides, particularly through investment platforms. The ASK model allows investors to choose opportunities that align with their risk appetite, time availability, and financial goals. This control over investment choices empowers women who may be juggling careers, family, and personal goals.
By diversifying across asset classes and geographies, investors can spread risk while maintaining control. Real estate debt also offers a hedge against economic downturns due to its lower correlation with other asset classes. Additionally, transactions and portfolio management can be handled through a private client portal, making it an attractive option for those who wish to stay involved without sacrificing time.
Women's investment preferences often lean towards more cautious approaches, which can lead to missed opportunities in higher-return investments. The ASK model addresses this by providing a range of opportunities across multiple asset classes and risk profiles, tailored to suit individual risk preferences.
Investing in real estate debt offers a tangible and efficient way to grow wealth, with more stable and predictable cash flows compared to the often-volatile stock market. It also eliminates the challenges associated with direct property ownership, such as tenant management and maintenance. This makes it an attractive option for those who want to benefit from property investment without the associated headaches.
As the number of financially empowered women grows, so does their potential to shape the investment landscape. Embracing real estate debt investing allows individuals to actively manage their personal wealth and build a well-diversified portfolio that meets financial goals while aligning with personal values and long-term vision.
In conclusion, the real estate debt market is a relatively unknown asset class that offers a unique blend of control, flexibility, and efficiency. As women's financial power continues to rise, so should their presence in this market.
