{"id":42995,"date":"2025-03-06T01:05:04","date_gmt":"2025-03-06T06:05:04","guid":{"rendered":"https:\/\/test.greenmoney.com\/2025\/?p=42995"},"modified":"2025-05-04T15:31:15","modified_gmt":"2025-05-04T19:31:15","slug":"the-power-of-women-and-collective-action-in-investing-for-change","status":"publish","type":"post","link":"https:\/\/test.greenmoney.com\/2025\/the-power-of-women-and-collective-action-in-investing-for-change\/","title":{"rendered":"The Power of Women and Collective Action in Investing for Change"},"content":{"rendered":"<div class=\"landing-links\"><a href=\"\/march-april-issue-2025\/\">&gt; Back to March\/April 2025 Issue<\/a><\/div>\n<div>\n<\/p>\n<h5>Above: Invest for Better\u2019s gathering in San Francisco to bring together women for a night of fun and conversation on their shared passion of making a difference with their money.<\/h5>\n<div>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-43122\" src=\"https:\/\/test.greenmoney.com\/2025\/wp-content\/uploads\/2025\/03\/Janine-Firpo-Invest-for-Better-co-founder.jpg\" alt=\"Janine Firpo-Invest for Better co-founder\" width=\"310\" height=\"503\" srcset=\"https:\/\/test.greenmoney.com\/2025\/wp-content\/uploads\/2025\/03\/Janine-Firpo-Invest-for-Better-co-founder.jpg 400w, https:\/\/test.greenmoney.com\/2025\/wp-content\/uploads\/2025\/03\/Janine-Firpo-Invest-for-Better-co-founder-185x300.jpg 185w\" sizes=\"auto, (max-width: 310px) 100vw, 310px\" \/>In 1995, I set off on a solo backpacking trip through Sub-Saharan Africa, where I witnessed poverty on a scale I had never seen before. That journey altered the course of my life. At the time, I had just left my job as a VP at a technology startup. When I returned, I knew I wanted to dedicate my career to building a more equitable and sustainable world. What I didn\u2019t realize then was that this decision would eventually lead me to rethink how I invested my money \u2014 and to uncover the power of collective action.<\/p>\n<h2>Breaking Barriers in Values-Aligned Investing<\/h2>\n<p>When I first explored values-aligned investing, the concept was still emerging. Conversations about impact investing largely revolved around institutions and high-net-worth individuals. But what about the rest of us? Could someone like me \u2014 without formal financial credentials \u2014 learn to align my investments with my values? The journey wasn\u2019t easy. I trusted financial advisors who mismanaged my money, navigated unfamiliar financial landscapes, and experimented repeatedly before gaining confidence in managing my finances.<\/p>\n<p>Eventually, I realized I wasn\u2019t alone. Many brilliant, capable women had been excluded from financial conversations. That realization led me to write\u00a0Activate Your Money: Invest to Grow Your Wealth and Build a Better World. The book wasn\u2019t just mine \u2014 it was shaped by certified financial planners, financial leaders, and women who shared their insights as thought leaders and reviewers. It was a collective effort, just like the movement itself.<\/p>\n<p>At the same time, I co-founded\u00a0<a href=\"https:\/\/investforbetter.org\/\">Invest for Better<\/a>, a nonprofit equipping women with the tools and confidence to align their money with their values. Through Invest for Better, I\u2019ve experienced firsthand the extraordinary impact women can have when they come together, share knowledge, and take action. This movement isn\u2019t about going it alone\u2014we are in this together.<\/p>\n<h2>Women as a Financial Force<\/h2>\n<p>Women are poised to become a financial force like never before. By 2030, women are expected to control $34 trillion, or 38%, of the wealth in the United States \u2014 a dramatic increase from $7.3 trillion just a decade ago.<sup>1<\/sup> Yet the financial industry has been slow to recognize and adapt to this shift.<\/p>\n<div class=\"visibility-wrapper-970-to-300\">\n<div id=\"div-gpt-ad-1652553476095-0\"><script>\n    googletag.cmd.push(function() { googletag.display('div-gpt-ad-1652553476095-0'); });\n<\/script><\/div>\n<div id=\"div-gpt-ad-1622053269469-0\" class=\"ad-float-left\"><script>\n    googletag.cmd.push(function() { googletag.display('div-gpt-ad-1622053269469-0'); });\n<\/script><\/div>\n<\/div>\n<p>Historically, women have been excluded from financial decision-making. It was only in 1974 \u2014 just 50 years ago \u2014 that the Equal Credit Opportunity Act guaranteed women the right to access credit without a male co-signer. Despite these barriers, when women do invest, they often outperform men. A Fidelity analysis of over 5 million accounts found that women\u2019s portfolios earned 0.4% more annually, largely because they traded less and made more strategic decisions.<sup>2<\/sup><\/p>\n<p>Women also invest differently. Studies by BNY Mellon show that women are more likely to prioritize investments with positive societal and environmental impacts.<sup>3<\/sup> Yet, over half of women say they would invest, or invest more, if their portfolios reflected their values. This is where organizations like Invest for Better come in \u2014 creating spaces for women to gain financial confidence and take meaningful action.<\/p>\n<figure id=\"attachment_43120\" aria-describedby=\"caption-attachment-43120\" style=\"width: 750px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-43120\" src=\"https:\/\/test.greenmoney.com\/2025\/wp-content\/uploads\/2025\/03\/Janine-Firpo-with-Phillys-Invest-for-Better-members-and-ImpactPHL.jpg\" alt=\"Janine Firpo with Philly's Invest for Better members and ImpactPHL\" width=\"750\" height=\"440\" srcset=\"https:\/\/test.greenmoney.com\/2025\/wp-content\/uploads\/2025\/03\/Janine-Firpo-with-Phillys-Invest-for-Better-members-and-ImpactPHL.jpg 750w, https:\/\/test.greenmoney.com\/2025\/wp-content\/uploads\/2025\/03\/Janine-Firpo-with-Phillys-Invest-for-Better-members-and-ImpactPHL-300x176.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><figcaption id=\"caption-attachment-43120\" class=\"wp-caption-text\"><em>Janine Firpo with Philly\u2019s Invest for Better Circle members and ImpactPHL to discuss impact in Philly area and beyond<\/em><\/figcaption><\/figure>\n<h2>The Ripple Effect of Collective Action<\/h2>\n<p>Research shows if women had participated in the economy identically to men, it would have added up to $28 trillion, or 26 percent, to annual global GDP by 2025, this year, compared with a business-as-usual scenario.<sup>4<\/sup> Additional research shows that if women invested at the same rate as men, that would translate to an additional $1.87 trillion flowing into socially responsible investments.<\/p>\n<p>Investing with purpose isn\u2019t just about numbers \u2014 it\u2019s about real impact in our communities and for our planet. Imagine investing in affordable housing developments that provide stable homes for families, or in businesses that prioritize fair wages and worker well-being. Consider the potential of funding regenerative agriculture, which rebuilds soil health while supporting small farmers. Across all asset classes \u2014 stocks, bonds, cash, real estate, and alternative investments \u2014 there are opportunities to direct capital toward solutions that improve lives and protect our environment.<\/p>\n<p>This is why we\u2019re launching a national campaign to reframe how women view their financial potential. We don\u2019t have to wait for change; we\u00a0are\u00a0the change. At Invest for Better, we\u2019ve built a community where women support one another in learning, investing, and growing. We offer free events, resources, and our Circles program \u2014 small groups of women who come together to learn how to align their wealth with their priorities.<\/p>\n<p>The results have been inspiring. One woman who joined our Circle program went on to create a fund with her husband focused on charitable grants and impact investments addressing poverty, financial inclusion, and racial justice. Another woman, a finance influencer, rebalanced her portfolio after participating in one of our deep-dive courses.<\/p>\n<h2>Collective Action Includes Everyone<\/h2>\n<p>While this movement highlights the power of women\u2019s financial engagement, it\u2019s not just about women. Men have a vital role to play in advancing values-aligned investing and ensuring financial decision-making is more inclusive. When men actively support women\u2019s participation in investing, they help unlock a greater flow of capital into initiatives that create sustainable, equitable change.<\/p>\n<div id=\"div-gpt-ad-1622053479374-0\" class=\"ad-float-left\"><script>\ngoogletag.cmd.push(function() { googletag.display('div-gpt-ad-1622053479374-0'); });\n<\/script><\/div>\n<p>Many of the most effective investment strategies involve collaboration across genders. Families, partners, business leaders, and financial professionals can all work together to make investment choices that align with shared values. By engaging men in this conversation, we amplify our collective ability to drive systemic change. We need all hands on deck \u2014 this is a movement for everyone who believes in leveraging money as a force for good.<\/p>\n<h2>Your Money, Your Values<\/h2>\n<p>If there\u2019s one thing my journey has taught me, it\u2019s this: our individual actions create powerful ripple effects. Every decision we make \u2014 whether aligning our investments with our values or helping others do the same \u2014 can contribute to solving the global challenges we face.<\/p>\n<p>Values-aligned investing isn\u2019t just about making money; it\u2019s about making capital markets work for people and the planet. It\u2019s about addressing systemic inequities, improving quality of life, and ensuring a better future for the next generation. These are not abstract ideas; they are urgent human concerns that demand action today.<\/p>\n<p>The future is in our hands. Together, we can shape it. Let\u2019s harness our collective power and take bold steps toward a more just and sustainable world. We hope you\u2019ll join us.<\/p>\n<p>&nbsp;<\/p>\n<p><em><strong>Article by\u00a0Janine Firpo,<\/strong> who is a values-aligned investor and social innovator. In 2017 she left a successful 35+ year career in technology and international development to focus on how women can create a more just and equitable society through their financial investments. Her book,\u00a0Activate Your Money,\u00a0was\u00a0published in May 2021. Later that year, Janine co-founded\u00a0<a href=\"https:\/\/investforbetter.org\/\">Invest for Better<\/a>, a non-profit organization that helps women invest their money in ways that align with their values. In 2024, Forbes named Janine one of \u201c50 Over 50\u201d female leaders who continue to make impact later in life.<\/em><\/p>\n<p>Footnotes:<\/p>\n<p>[1]\u00a0\u00a0<a href=\"https:\/\/www.bnnbloomberg.ca\/business\/economics\/2024\/12\/09\/massive-wealth-transfer-will-give-women-us34-trillion-by-2030\/\">https:\/\/www.bnnbloomberg.ca\/business\/economics\/2024\/12\/09\/massive-wealth-transfer-will-give-women-us34-trillion-by-2030\/<\/a><\/p>\n<p>[2]\u00a0<a href=\"https:\/\/www.bankrate.com\/investing\/women-and-investing\/#women-and-investing-by-the-numbers\">https:\/\/www.bankrate.com\/investing\/women-and-investing\/#women-and-investing-by-the-numbers<\/a><\/p>\n<p>[3]<a href=\"https:\/\/www.bankrate.com\/investing\/women-and-investing\/#women-and-investing-by-the-numbers\">\u00a0https:\/\/www.bankrate.com\/investing\/women-and-investing\/#women-and-investing-by-the-numbers<\/a><\/p>\n<p>[4] <a href=\"https:\/\/www.mckinsey.com\/featured-insights\/employment-and-growth\/how-advancing-womens-equality-can-add-12-trillion-to-global-growth\">https:\/\/www.mckinsey.com\/featured-insights\/employment-and-growth\/how-advancing-womens-equality-can-add-12-trillion-to-global-growth`<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>On a backpacking trip through Sub-Saharan Africa, I saw poverty on a scale I had never seen before. That journey altered the course of my life &#8211; dedicating my career to building a more equitable and sustainable world. I also began to rethink how I invested my money. I am one of millions of women that are becoming a financial force. In fact, by 2030, women are expected to control $34 trillion, or 38%, of the wealth in the US.<\/p>\n","protected":false},"author":7,"featured_media":43091,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[419,118],"tags":[124,136,134],"class_list":["post-42995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-march-april-2025-women-impact-investing","category-uncategorized","tag-featured-articles","tag-impact-investing","tag-sustainable-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Power of Women and Collective Action in Investing for Change - Green Money Old version<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Power of Women and Collective Action in Investing for Change - Green Money Old version\" \/>\n<meta property=\"og:description\" content=\"On a backpacking trip through Sub-Saharan Africa, I saw poverty on a scale I had never seen before. That journey altered the course of my life - dedicating my career to building a more equitable and sustainable world. I also began to rethink how I invested my money. I am one of millions of women that are becoming a financial force. In fact, by 2030, women are expected to control $34 trillion, or 38%, of the wealth in the US.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/test.greenmoney.com\/2025\/the-power-of-women-and-collective-action-in-investing-for-change\/\" \/>\n<meta property=\"og:site_name\" content=\"Green Money Old version\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/cliff.feigenbaum\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-06T06:05:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-04T19:31:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/test.greenmoney.com\/2025\/wp-content\/uploads\/2025\/03\/The-Power-of-Women-and-Collective-Action-in-Investing-for-Change-by-Janine-Firpo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Dev\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@cliffgmj\" \/>\n<meta name=\"twitter:site\" content=\"@cliffgmj\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Dev\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/test.greenmoney.com\/2025\/the-power-of-women-and-collective-action-in-investing-for-change\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/test.greenmoney.com\/2025\/the-power-of-women-and-collective-action-in-investing-for-change\/\"},\"author\":{\"name\":\"Dev\",\"@id\":\"https:\/\/test.greenmoney.com\/2025\/#\/schema\/person\/21fbd2ce89574bee3fa197044c12e7c1\"},\"headline\":\"The Power of Women and Collective Action in Investing for Change\",\"datePublished\":\"2025-03-06T06:05:04+00:00\",\"dateModified\":\"2025-05-04T19:31:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/test.greenmoney.com\/2025\/the-power-of-women-and-collective-action-in-investing-for-change\/\"},\"wordCount\":1230,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/test.greenmoney.com\/2025\/#organization\"},\"image\":{\"@id\":\"https:\/\/test.greenmoney.com\/2025\/the-power-of-women-and-collective-action-in-investing-for-change\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/test.greenmoney.com\/2025\/wp-content\/uploads\/2025\/03\/The-Power-of-Women-and-Collective-Action-in-Investing-for-Change-by-Janine-Firpo.jpg\",\"keywords\":[\"Featured Articles\",\"Impact Investing\",\"Sustainable Business\"],\"articleSection\":[\"March\/April 2025 - Women &amp; 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