An analysis of more than 806,000 customer depots of ING Germany yields interesting results. For example, female investors have made the money work for them more successfully than male investors.

Regularly putting money in ETFs makes things easier and the result may be better.

Dhe question is often asked whether women are better investors or men. From a scientific point of view, both groups can be characterized at least with certain typical properties.

The female sex is often attributed to more considered behavior paired with risk aversion. While men should have more spontaneity and willingness to take risks. And depending on the market phase, one nature pays off more than the other.

This year, many risky investments have increased significantly in value. The Dax, for example, has a plus of a good quarter. And yet women were apparently more successful than men. In addition, younger investors fared better than older ones. At least this is the result of an analysis by the direct bank ING Germany. The securities accounts of a good 806,000 customers and their average return from January to the end of November 2019 were examined anonymously.

Average return of 24 percent

The securities accounts examined therefore produced an average return of around 24 percent. Female private investors, with an average return of 24.11 percent, were a touch more successful than male investors with 23.5 percent. At 25 percent, women had a fairly high proportion of funds in their portfolios during this period.

Men only got 18 percent. The latter rely more heavily on individual stocks. The proportion of shares in the male portfolios was 60 percent. In the women’s portfolios, on the other hand, it was around 53 percent. Shares thus made up the absolute majority in the portfolio for both groups.

The total share of shares was 57.5 percent. Exchange-traded index funds (ETF) came to 15 percent and funds to 20.5 percent. For bonds it was 5 percent. ING Germany’s customers are therefore very affinity for stocks. According to the Deutsches Aktieninstitut, an average of 16 percent of Germans by the age of 14 recently owned shares or funds.

Younger investors have the edge

According to the ING analysis, younger investors have also invested their money more successfully than older ones. The best performers were 26- to 35-year-olds who achieved an average return of 26 percent. The least successful age group in the comparison of the more than 75-year-old investors still came to 22 percent. ETFs have been particularly popular among younger investors. Older people, on the other hand, seem to prefer more traditional investments such as stocks or bonds.

Among the larger cities, Münster performed particularly well with an average return of 28.6 percent and Berlin with 25 percent. Stuttgart, Karlsruhe, Mainz, Munich and Frankfurt also achieved more than 24 percent. The least successful, however, were investors in Dresden (23.2 percent) and among the federal states in Schleswig-Holstein (22.5 percent).