The growing weight being placed on self-directed retirement accounts within the United States retirement income policy framework, and the time inconsistency challenge of individuals, particularly women, tending to under-invest in retirement savings accounts motivated the current work. Using data from the United States Federal Reserve Board’s Survey of Consumer Finances, for a period spanning from 1989 to 2019, 11 cross-sections of data, the paper investigated the role of gender in United States retirement risk-taking investment strategies of single (never married) individuals. The analysis documented increasing trends in the risk-taking of both single women and single men but recorded differences in the risk-taking profiles of the two groups, with single men taking more risk than single women in their retirement wealth building in most cross-sections, with the gender risk-taking gap dropping, nonetheless, algebraically in magnitude from 1989 to 2019.

在美国退休收入政策框架内，自我管理的退休账户受到越来越多的重视，而个人（尤其是女性）往往会在退休储蓄账户上投资不足，从而面临时间不一致的挑战，这推动了当前的工作。本文利用美国联邦储备委员会消费者财务调查的数据，从 1989 年到 2019 年的 11 个横截面数据，调查了性别在美国单一（从不）退休风险投资策略中的作用。已婚）个人。该分析记录了单身女性和单身男性的冒险行为不断增加的趋势，但也记录了这两个群体的冒险概况的差异，在大多数横截面中，单身男性在退休财富积累方面比单身女性承担更多的风险尽管如此，从 1989 年到 2019 年，性别冒险差距在代数上呈下降趋势。