We Do Not Yield to Finland and Germany
According to SEB bank data, the gender distribution among investing clients in June this year was the best balanced in recent years. Women made up about 44%, and men about 56% of all investors.
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However, the situation is somewhat different on a national scale – according to the Bank of Lithuania, considering clients of all investment service companies operating in Lithuania, last year women made up about 35%, and men about 65% of investors.
But even when evaluating more conservative market indicators, we can already say that Lithuania has approached countries with longer investment traditions in terms of gender balance. For example, compared to Finland, the situation in Lithuania (both according to SEB and market data) looks even somewhat more favorable. According to Euroclear Finland data, in 2025 women owned about 33%, and men 67% of all equity savings accounts (special accounts dedicated to investing).
The overall results of the Lithuanian market lag only slightly behind Germany. According to the German Stock Institute (Deutsches Aktieninstitut), out of 14.1 million people who invested in stocks in 2025, 5.4 million were women and 8.7 million were men. This means women made up about 38%, and men about 62% of all investors. Meanwhile, at SEB bank, the gender distribution is already better balanced than in Germany.
The Most Active Are Young Female Investors
Moreover, the number of female investors in our country continues to grow at a very high pace. According to SEB bank data from June, the number of investing women increased by about 32% over the past year, while men increased by about 22%. The fastest growing group of investors is Lithuanian women aged 18–25. Over one year, the number of these investors at SEB bank grew by almost 60%. Younger men also remain the most actively growing group of male investors, but their growth rate is twice as low – the number of male investors aged 18–25 increased by about 29% over the year.
It seems that consistent efforts by financial market participants to encourage women to take more active care of their finances and invest are yielding real results. A significant change was also driven by digital investment solutions, such as the investment robot, which made it possible to start investing with small amounts without long-term investment experience. Therefore, today women can start investing much more easily than before.
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Men Manage 1.6 Times Larger Investment Assets
However, not everything looks so positive in the Lithuanian investment landscape. Although more women are putting their savings to work, the amounts they invest are significantly smaller than those of men.
In June this year, according to SEB data, the average value of men’s investment portfolios was about 32 thousand euros, while women’s was about 19.6 thousand euros. This means the average male investment portfolio was 1.6 times larger than that of women. According to the Bank of Lithuania, investment assets are also unevenly distributed across the entire market – in 2025 men managed about 75% of all investments, and women the remaining 25%.
Interestingly, both men and women have fairly similar opportunities to invest. According to SEB data, in June this year women held on average 6.3 thousand euros in their accounts, and men 6.7 thousand euros. This means women manage fewer investments not because of lower income or savings. The biggest differences arise because women started investing later or do so less systematically than men.
Here is a new task we need to address. We will most likely achieve gender balance in investing, and now it is time to ensure that both men and women can invest regularly, consistently, and for a long time – creating value for their future.
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