Man or Bear: A Viral TikTok Reveals Women’s Need for Financial Independence

A viral trend on TikTok has sparked a heated conversation far deeper than it intended. The question: “Man or Bear?” asks women who they’d rather be stuck in the woods with. To the surprise of many, the majority of women participating in this trend have chosen the bear – a ferocious animal – over a man.


Although perceived absurd, their choice is quite telling. The choice of a bear over a man speaks volumes and is a stark reminder of the heightened sense of vulnerability and insecurity that women tend to feel around men. This fear is not unfounded, statistics have shown that women face a higher risk of violence, harassment, and exploitation at the hands of men. It’s no wonder they would rather face a predictable threat, a bear, than the unpredictable nature of a male stranger.

Financial Independence

This TikTok trend highlights a need for societal change as it relates to women’s safety not just physical safety but also financial safety. Understanding and managing finances effectively can provide women with the resources and confidence to make independent decisions, thereby reducing dependency on others who might not always have their best interests at heart. When a woman can financially support herself, she gains a sense of agency and control over her life. This way, she has the power to choose where she lives, who she associates with, security measures she can put in place, and lots more. Knowledge of financial matters can also protect women from falling prey to scams, fraud, or financial abuse as studies have shown that women are more likely to fall victim to these.


It is important to note that the “Man or Bear” challenge isn’t about fearing men because truly not all men are dangerous; it’s about highlighting the need for a world where women feel safe and secure across board. Financial literacy and independence are crucial steps toward achieving that goal and this is the very reason United Capital Asset Management birthed the campaign #ThisGirlInvests. The campaign aims to encourage women to develop a healthy investing culture, increase their participation in Nigeria’s capital markets, and create sustainable financial plans for retirement. This way, they wouldn’t have to depend on anyone, man or child, for their livelihood, especially in old age.


The United Capital Wealth for Women Fund is a vehicle for women to achieve this. It is an open-ended mutual fund that enables women to invest long-term in high-yielding fixed-income and equity instruments toward their financial future. Subscriptions can start as low as N10,000 with multiples of N5,000 thereafter. To invest in the Wealth for Women Fund click here.

JOSEPH ONYEMA

Head, Group Enterprise Performance Management
Joseph Onyema
Joseph is the Head, Group Enterprise Performance Management at United Capital Plc.
Over the last 16 years, Joseph has worked with and led teams whose responsibilities cut across a major spectrum of technology transformational and retail growth projects and consultancy. Joining the group in 2017, Joseph started out leading the technology team for 5+ years in the position of the Group, Chief Information Officer, a role in which his focus on execution to reposition the business was exemplary, hence leading to increased digital presence, retail growth and improved revenues, with keen focus on our growth during the COVID-19 pandemic where the business was run totally virtual and saw outstanding growth in customers, revenue and profitability.​
Leveraging on his education, performance, experience and spirit of execution, Joseph transitioned to the Group Head, Enterprise Performance Management, where he brings his analytical and technological prowess coupled with his background in managing teams and businesses to bare in monitoring and tracking business units and employees performances, while helping them to improve in their performance and ensuring the group continues to win in all its endeavours.
Before joining United Capital, Joseph headed the Group Technology Operations at Cordros Capital Limited where he transitioned the business from a High Net-worth Individual (HNI) focused business to retail-focused business with total leverage on technology to drive B2C sales across verticals while exploring new markets and partnerships. Prior to Cordros Capital, he had led the Enterprise & Cloud Services team at Soft Solutions Limited, an IT Consultancy firm with a footprint across 15 Nigerian banks on enterprise security, cloud projects, and consultancy where he developed, deployed, and led support teams to manage several financial and FMCG application suites.
A Tony Elumelu entrepreneur from 2016 before joining the group, and a member of the prestigious Beta Gamma Sigma international business honor society, continues to reinvent himself and deliver exceptionally to the United Capital family.