Radhika Gupta has advised women to increase their investments in line with their age using the 10-30-50 formula. She suggests aiming to invest 10% of one's income in their 20s, 30% in their 30s, and 50% in their 40s.

In today's world, financial strength is crucial for women. However, making the right investments is just as important as earning a good income. People often wonder when to start investing and how much to allocate. Radhika Gupta, MD and CEO of Edelweiss Mutual Fund, has shared a simple 10-30-50 formula for this purpose.

Speaking at the India Today Woman Summit 2026, Radhika Gupta explained that one could set a target to allocate 10% of earnings for investment in their 20s, 30% in their 30s, and 50% in their 40s. She emphasizes the importance of automating investments so that one does not have to wait until the end of the month to save money.

What is the 10-30-50 formula?

Start by investing approximately 10% of your post-tax income in your 20s. Aim to increase this investment portion to around 30% in your 30s. Subsequently, in your 40s, strive to invest about 50% of your income while keeping your retirement needs in mind. You can automate these investments via SIPs (Systematic Investment Plans) to ensure the money is invested automatically every month.

Strengthen these areas before investing.

According to Radhika Gupta, merely starting to invest is not enough; it is essential to first address any financial vulnerabilities.

Maintain adequate health insurance for yourself and your family.
Keep a complete record of any ongoing loans and other debts within the family. Do not let the burden of high-cost debt, such as credit card debt, accumulate over the long term.
Maintain an emergency fund sufficient to cover at least six months of expenses.
Invest your emergency fund in a place where the money can be easily withdrawn when needed.