Women change jobs more frequently than men. Women leave and rejoin the work force more frequently than men. Women tend to work in jobs less likely to have employer-provided retirement benefits. Women in the work force in the 1960s and early 1970s were adversely affected by laws restricting jobs, overtime, and hours. Women who do receive retirement benefits receive significantly lower benefits than men.
Women tend to invest more conservatively.
Women don't have a role model for retirement planning. Adapted from The Working Woman's Guide to Retirement Planning by Martha Priddy Patterson. ASEC partner institutions may obtain a copy of Diane Oakley's full remarks by contacting asec .