Women today are financially savvy and much more confident about investing than they were in the past. In fact, 47% of all investors are women and nearly 1/2 of all female investors are the primary decision-makers for their family’s investments. At some point in their lives 9 out of 10 women will be solely responsible for their financial situation.

These investors - both men and women - are more of the risk-taker types. They prefer to invest in stocks and mutual funds where the returns can be far more than the conservative interest rates of bonds and CD's. These people are generally more upscale with medium high to high disposable income.

These investors are taking steps to financially secure their futures but in a relatively risk-free environment. Many face paying for their children's education and being financially responsible for their aging parents, as well as saving for their own retirement. So these people - including many women and seniors have invested in such low-risk financial vehicles as bonds, CD's and money markets.