Why Women Should Be More Financially Confident

Imagine that you are sitting at a negotiating table in Dubai and deciding which apartment to buy. Whether as your dream second home, or as an investment property for rent. No doubt, no “I don't understand much.” Just a clear plan, numbers that make sense to you, and a feeling that you have things under control.

For many women, this is so far more a dream than a reality. Financial confidence and the ability to make a decision, for example buying property in dubai- can be the difference between a life of “somehow it will be” and a life of “I know where I am going”.

A new era: women hold more and more money in their hands

The fact that women “do not have a head for finances” has long ceased to be the case. The numbers say the exact opposite. Analyses of the financial sector show that women now control around a third of retail financial assets in the EU and the US, and this share is expected to increase to 40-45% by 2030.

In Europe, the volume of assets under women's control increased from around 32% to 38% between 2018 and 2023 and is expected to reach almost half of all assets under management by 2030.

And now the most interesting from the point of view of Move Homes and real estate Dubai:

• In Dubai, in 2024, women made up approximately 34% of all real estate investors.
• In just one year, women invested in Dubai real estate more than AED 118 Billion Over 50,000 transactions.

This is the force that co-creates the future of the real estate market.

When money means freedom, not stress

Researches The major financial institutions have shown that 8 out of 10 womenwill be responsible for their finances independently at some stage of their life. Whether due to older age, divorce or simply because they decide to go their own way.

This means:

• No “partner will handle it.”
• But “I understand what is happening with my money and I make decisions about it”.

Real estate: whether an apartment in Dubai for rent or an apartment in which you will spend time - is a very concrete step towards this freedom. It's not just a number on the account. It is an asset that:

• It can generate regular rental income,
• has potential growth in valuein time,
• You can sell or build if necessary.

That is why today more and more women are changing passive savings for thoughtful investing.

Why do women often hesitate

If you are hesitating at the thought of “I will buy an apartment in Dubai”, you are not alone. Behind the female “I don't know if I dare to do it” there are often several obstacles:

1. Old formulas: “This is solved by a man”

Many of us grew up in a family where investments were decided by the father, the mortgage was handled by the partner, the wife “keeps the household”, but the long-term money is handled by someone else.

Researchesshow that a significant proportion of married women still delegate long-term investment decisions to their partner, often because they believe that “he understands more”.

2. Self-confidence vs. knowledge

Interestingly, the difference between men and women in Financial Literacy Tests It's not just about knowledge, but especially self-confidence. Many women prefer to answer “I don't know”, even if they guess the correct answer.

3. Fear of risk

Women generally invest more cautiously, think more about risk, which is great for long-term decisions, but not when fear blocks action completely.

Typical thoughts:

• “What if prices fall?”
• “What if I can't rent an apartment in Dubai?”

The reality is that the Dubai market has long been one of the most powerful in the world, with a high demand for rent, especially in quality projects and good locations.

Of course, the risk here is, as with any investment, but it can be managed: choosing the location, developer, project and type of real estate with which the brokers from Move Homes can help you.

When the market plays for you

If you are thinking about where to direct your money, Dubai has some very specific advantages, for which it is attractive especially for women who want to keep things under control:

• Stable and fast growing market The volume of real estate transactions in Dubai is breaking historical records every year, with demand being driven by residents, expats and investors from all over the world.
• Profitable leases - with a well-chosen project and location, the gross yield is no exception 6-8% per annum (and more somewhere).
• Tax environment - No income tax is payable in Dubai on rental or capital gains from the sale of real estate (but other fees such as DLD fees or service charges are calculated).
• Legal protection of property for women Women can own real estate in Dubai in full, without restrictions based on gender.

And what is important = women are not an exception in this market, but a driving force: their share of both investments and the number of transactions is growing from year to year.

Practical steps: from mindset to first apartment in Dubai

Financial self-confidence does not start with buying a penthouse right away. It starts with you doing first small, conscious step.

1. Determine how much you can postpone a month without compromising your normal life.
2. Instead of saying “I would like something in Dubai someday”, set yourself a specific goal: “I want to buy an apartment in Dubai within 3-5 years, which will cover me XY € per month in rent.”
3. Educate yourself in real estate Dubai: No, you don't have to study law or developers by heart. Just to understand the basic concepts Move Homes regularly prepares blogs, podcasts and videos on these topics - make them your “mini course Dubai investor”. <Click pre info>
4. Consult with experts, not pub analysts

Google doesn't tell you everything. When buying real estate in Dubai will help:

• Someone who knows specific developers
• understands contracts,
• can calculate the real income by type of rental,
• has experience with clients who are dealing with a situation similar to yours (first apartment, divorce, diversification of assets...).

This is exactly where Move Homes comes in - as a partner to help you translate “Dubai” into your language and numbers you understand.

Financial confidence does not start with millions, but with the first decision

If you feel that “you are not ready yet”, remember that thousands of women before you have already taken this step. Not because they were brilliant at math, but because they decided to believe in themselves a little more than yesterday.