Women Investing in Canada: Breaking Barriers, Building Wealth

The numbers don’t lie:

Canadian women only hold about 32% of investable assets, even though we make up half the population. More women are stepping up to manage household finances, but there’s still a big investment gap—and it’s something that’s holding all of us back, both personally and as a country.

At Saij Elle, we’re revolutionizing this narrative through our transformative approach to financial education that drives prosperity and equality for women across Canada.

Because we understand when women take control of their financial futures through smart, strategic investing, they don’t just transform their own lives, they transform their families, their communities and they become powerful contributors to a more equitable world.

The Investment Reality for
Canadian Women

When it comes to women investing in Canada, the stats show both challenges and a lot of untapped potential. Research says women tend to play it safe, keeping more of their money in cash instead of going for growth investments. While this helps avoid short-term ups and downs, it can really hold back long-term wealth building and retirement security.

Then there’s the gender pension gap—right now, women get about 83 cents for every dollar men receive in retirement. Add to that the fact that women live around five years longer on average, and it’s clear why their money needs to work harder and last longer. That’s why smart, strategic investing isn’t just a good idea—it’s absolutely necessary.

The crisis produces effects which extend past the monetary statements of private investors. Underinvestment in women in Canada will result in a lost GDP of up to $180 billion by 2026, according to the Canadian Chamber of Commerce. The substantial economic loss occurs because women face obstacles which block their ability to start and expand businesses to their maximum potential. Women who develop solid personal financial abilities achieve better work performance and demonstrate stronger leadership abilities and create more successful businesses according to research findings.

The financial world has mostly stuck to a one-size-fits-all approach that just doesn’t fit how women actually experience money. Things like career breaks for caregiving, ongoing pay gaps, and different comfort levels with risk all mean women need strategies that traditional advice often misses.

Women face unique challenges when it comes to investing—they’re more likely to have career interruptions that affect earnings and retirement savings, they usually take on the mental load of managing family finances, and they might approach risk differently than men. These aren’t weaknesses—they’re just real-life factors that call for smart, tailored financial planning.

Having worked over 25 years in finance and as a former CNBC and BNN presenter, I’ve seen how generic advice can leave women feeling lost, stressed, or totally checked out from their money. That’s why we created our trademarked 360 Financial Freedom Framework™—a complete system built specifically around how women think about and handle their finances.

The Saij Elle Approach: Empowerment Through Education

At Saij Elle, we believe that powerful financial knowledge is the key to transformation. Our approach goes beyond basic investment advice to address the complete picture of women’s financial lives. We help women build a prosperity mindset, understand their relationship with money, and develop confidence in making investment decisions that align with their values and goals.

Our proven methodology has already empowered over 25,000 women globally, with 1,200+ active program enrollees and 20,000+ Masterclass attendees. These aren’t just numbers—they represent women investing in the U.S. and in Canada, who have taken control of their financial futures and are now building the wealth and security they deserve.

The 360 Financial Freedom Framework™ consists of four essential pillars that include developing a prosperity mindset and implementing strategic debt elimination and effortless saving systems and smart investing for wealth accumulation and protection tactics. The complete financial system of investing surpasses stock and mutual fund selection because it establishes a total financial framework which achieves your objectives.

Strategic Investment Approaches for Canadian Women

For Canadian women, getting smart with investing often starts by making the most of tax-friendly accounts. Your RRSP is great because it gives you immediate tax breaks while helping you save for retirement—making it a solid tool for the long haul. TFSAs are super flexible, too, letting your money grow tax-free whether you’re saving for something soon or way down the road.

If you have kids, RESPs are definitely worth thinking about. They come with government grants and let your money grow tax-deferred, so you can build a nice fund for your child’s education over time when managed right.

The solution needs to develop an investment strategy which recognizes the various financial circumstances that women usually encounter. The goal is to develop adaptable investment methods which respond to real-life situations including maternity leave periods and eldercare responsibilities and household management and wealth accumulation. Women who wish to invest wisely need to create career transition plans and investment timetables which unite their financial goals with their family care responsibilities.

Risk management takes on particular importance for women investors. Research indicates that women encounter criticism for being too cautious but they demonstrate superior performance in risk assessment activities. In other words, they’re “risk aware”. The ability to think ahead can be used to create investment portfolios that combine growth opportunities with stability through dollar-cost averaging and systematic investing for steady wealth accumulation.

Building Wealth While Building Careers

Women who get comfortable with investing and building wealth in the U.S. and Canada tend to be more confident negotiating their salaries, are more likely to step into leadership roles, and often take the leap into entrepreneurship. This link between personal financial confidence and career growth is key to closing not just the investment gap, but the bigger economic gap too.

That’s exactly what our Strictly Money membership is all about—giving women the financial know-how and tools to succeed both personally and professionally. Members get access to our trademarked 360 Financial Freedom Framework™, ongoing education, and a supportive community of women who are all about building wealth and advancing their careers together.

No more waiting—every day you put off investing is a day your money isn’t working hard enough for your future. As the host of Strictly Money and one of Canada’s top finance experts, I’ve seen firsthand how women investing in the U.S. and Canada can change not just their own lives, but also uplift their families, communities, and the economy as a whole.

Ready to join thousands of women who’ve already transformed their money mindset? Check out how Strictly Money can help you master the 360 Financial Freedom Framework™, grow lasting wealth through smart investing, and become the financially confident woman you’re meant to be.

Financial success achieved by women creates positive effects which benefit all members of society. Your path to success begins with choosing investments which generate financial growth while helping you develop personally.