Old Mutual wealth manager calls for realistic financial planning for women

(Photo by: Old Mutual Namibia)

Wednesday, 21 January 2026 – We talk a lot about empowering women with money, yet real progress happens when we move past slogans and into structure.

According to Old Mutual Wealth Manager, Veruscka Gertze, the financial system was not designed with women’s life patterns in mind. Career breaks for caregiving, pay gaps that compound over time, longer life expectancy, and higher odds of outliving a partner all shape the journey. If we ignore these realities, the advice sounds hollow.

The answer is practical and personal. Start with income resilience. Build a small emergency fund that sits between you and the unexpected. It gives you choices when life shifts. Next, automate contributions to long‑term goals, so they continue even during busy seasons. If your income pauses, plan for how you will restart. Keep protections in place for the risks that would set you back the most, like severe illness or the loss of a breadwinner.

Investing is not a club for experts. It is a habit anyone can learn. Use simple, diversified options and stay the course. The market will wobble; your plan should not. The earlier you begin, the more time you save for the heavy lifting. If you start later, increase the amount and keep going. In relationships, have open conversations about money. Know what is in both names, who is covered for what, and where documents live.

 

 

Make sure beneficiaries are up to date. If you run a business, separate personal and business finances so growth does not become confusing. Community matters too. Women who talk to other women about money become more confident investors and negotiators. Share lessons, share mistakes, share wins. The goal is not perfection; it is progress with eyes open.

Beyond slogans, what works is a simple plan that respects reality and builds power step by step. The result is not just wealth, but freedom to choose your life on your terms.