# Edelweiss MD Radhika Gupta gives 10-30-50 investment formula for women 2026-08-25T17:16:01+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet Edelweiss Mutual Fund managing director and CEO Radhika Gupta has suggested a simple 10-30-50 formula for women investors based on age. Speaking at the India Today Woman Summit 2026, she recommended investing 10 per cent of post-tax income in one's 20s, 30 per cent in one's 30s, and up to 50 per cent in one's 40s. Gupta emphasised that investing should be automated through systematic investment plans (SIPs) rather than left to whatever remains at month-end. She said before starting to invest, one must ensure adequate health insurance, clear costly debts like credit card dues, and keep at least six months' worth of expenses in safe, accessible instruments such as fixed deposits or PPF. She compared a balanced portfolio to an Indian thali, with equity for growth, debt for stability and liquidity, and gold for diversification. For those who find picking stocks difficult, she recommended flexi-cap, hybrid or multi-asset mutual funds. ## Indian Opinion Analysis The 10-30-50 rule is a broad guideline, not a binding formula. A woman in her 20s earning Rs 50,000 a month would put aside Rs 5,000 under it, by her 40s on a Rs 1 lakh salary, the target becomes Rs 50,000. The real test for most households is not the percentage but the cash flow: EMIs, rent and family obligations often leave little room. SEBI data shows that the median mutual fund folio in India is about Rs 50,000, suggesting most investors are far from such targets. The practical next step for a reader is to calculate her own post-tax income, fix the SIP date and start with whatever percentage is feasible today, then increase it annually. ## Coverage - bazaar.businesstoday.in Straightforward reporting of financial advice with no editorial slant This story was synthesised by AI from the source linked above. Tags: Edelweiss Mutual Fund, India Today Woman Summit, personal finance, Radhika Gupta, SIP Canonical: https://indianopinion.org/edelweiss-md-radhika-gupta-gives-10-30-50-investment-formula-for-women/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/edelweiss-md-radhika-gupta-gives-10-30-50-investment-formula-for-women/#story-in-brief How this brief was made: an AI model read the report linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/