Good riddance girl math: Revolut data shows women outinvesting men

• Revolut data reveals that in 2024, women made better quality investment decisions than their male counterparts on Revolut’s platform, outperforming them in profit by 4% 

• In particular, women aged 45-54 raked in 1.2% higher returns on their investments than men of the same age group

• Young women (18-24) lead the charge in opening investment accounts with Revolut, with a 32% increase on the previous year

• Revolut’s trading platform launched in 2019 and has  over 650,000 UK trading customers.

Despite trends like ‘girl math’ dominating headlines last year, Revolut’s trading customers disproved stereotypes about women and their money-management. Revolut data has revealed that in the UK, not only did women’s investments  outperform men’s by 4%, they also opened 31% more accounts in 2024 on the previous year.

Women have typically been an underestimated demographic in the investment space, with supposed lack of confidence and trends such as ‘girl math’ creating a false narrative about women’s financial literacy. On the contrary, Revolut’s data showed the beginning of a power shift as women’s investments performed significantly better than men’s in 2024, realising  4% higher returns on their investments overall. When broken down by age:

• Women aged 45-54 years old performed best when compared to men of the same age, earning 1.2% more profit last year;

• Coming in close behind, investments made by Millennial women (25-34) and 55-64 year old women performed strongly, recording 0.9% and 0.7% higher profits than same-aged men, respectively;

• Young women (18-24) were the ones to watch, while still recording 1% less profit than men of the same age, the group was active in boosting the number of accounts held since the last year (32%)

Yana Shkrebenkova, CEO of Wealth and Trading at Revolut UK, commented: “It’s refreshing but not unexpected to see women finally out-investing men. Gen-Z women in particular are becoming increasingly active in the space and are taking steps to upskill and close the investment gap  – perhaps due to better access to online resources. We’re also seeing better returns for women investors, who tend to be more risk averse and deliberate in their choices, setting them up well for longer-term investment decisions.

“While men have historically been considered more confident investors, our data shows that women are becoming increasingly empowered to embrace trading and wealth management.  It’s early days, but the data shows that men may need to take a leaf out of women’s books. We only expect the gender investment gap to continue shrinking as women feel more empowered to put their investment skills to good use.

We are ready to level the playing field for female investors. We’re not just capturing a trend; we’re amplifying it—providing the tools, technology, and global community to ensure women get a front-row seat in the future of finance.”

As consumers are looking for other ways to get their money working for them, Revolut data shows a record rise in the volume of investment accounts being opened across the board. Notably, women are leading the pack, with the number of trading accounts opened by women in 2024 up 31% YoY, compared to an increase of 20% for men. Women aged 45-54 were a significant driver (44%) as well 18-24 year olds (31%) compared with 33% and 10% boosts for men of the same respective age groups.

Technology stocks dominated investment trends for UK customers in 2024, with NVIDIA emerging as the most purchased and sold US stock. The company’s share price soared by a staggering 186% in 2024.

In the last year, Revolut Invest boosted the number of monthly active traders by 150% and monthly trading activity is up by 200%.

Having operated its Trading feature as an Appointed Representative with a Principal in the UK since 2019, Revolut was awarded a UK investment licence by the FCA late last year, paving the way for new trading products and features for UK customers.

Tips for budding traders:

Investing is about patience, research, and discipline. By starting small, focusing on continual learning, and sticking to a long-term plan (while avoiding “get rich quick” schemes), UK investors can build a resilient portfolio—even in volatile times.

1. Start with “why?”

The hardest step in investing is simply starting. Many would-be investors never begin. Before diving in, clarify your goals: retirement, property, a dream holiday—whatever drives you. Always keep in mind your “why?” and remember, investing is a marathon, not a sprint.

2. Invest Responsibly and consistently

Cover your essentials and build an emergency fund first. Only invest what you can comfortably afford—even if it’s just £1—and grow from there. Consistent contributions, however modest, can be surprisingly powerful over time—compounding is the engine that drives true long-term growth for portfolios.

3. Master the Basics

Knowledge is your superpower and staying curious fosters better decisions over time. Read reputable sources, listen to solid podcasts, and research companies thoroughly. Don’t rely solely on TikTok and YouTube and  social media “gurus” with their “how i’ve made my first $1bn in a month”.  Understand how your investments actually make money.

4. Diversify and Keep Adapting

“Don’t put all your eggs in one basket” still holds true. Spread your risk across sectors, asset classes, and geographies to cushion against market swings. Revisit and rebalance your portfolio as needed to stay aligned with your  goals.

5. Market Movements Are Normal—So Are Emotions

Another hardest part of investing—apart from starting—is staying disciplined and not overreacting to short-term market movements. Volatility is normal, emotions are too. Sudden drops or surges can trigger knee-jerk reactions. Resist the urge to panic or chase hype. Stick to your plan and trust your diversified approach.

6. If It Sounds Too Good to Be True…

It usually is. Claims of “guaranteed” outsized returns far beyond industry benchmarks are red flags. These schemes often hide hefty fees—or may be outright scams. Always do thorough research before parting with your cash.