Radhika Gupta, Managing Director and CEO of Edelweiss Mutual Fund, has put forward a straightforward yet powerful investment strategy designed specifically for women. Dubbed the "10-30-50 rule," it provides a clear roadmap for allocating savings across different decades of life—aiming to demystify investing and encourage financial confidence.

Key facts

  • Radhika Gupta is MD & CEO of Edelweiss Mutual Fund
  • Her "10-30-50 rule" offers investment guidance for women by age
  • The rule suggests saving 10% of income in your 20s, 30% in your 30s, and 50% in your 40s

Why This Rule Matters

Gupta’s approach isn’t just about percentages—it’s about building a habit. She emphasizes that starting early, even with small amounts, can lead to significant compound growth over time. For women, who often face unique financial pressures and gaps in investing confidence, having a simple, staged plan can make all the difference.

Breaking Down the Decades

In your 20s, she advises saving at least 10% of your income. This phase is about forming the discipline. By your 30s, as earnings typically rise, that figure should jump to 30%. And in your 40s, with peak earning years and stronger financial footing, aiming for 50% savings accelerates wealth building for future security.

A Message of Empowerment

Gupta’s rule comes at a time when more women are taking charge of their finances but may still feel uncertain. Her structured yet flexible framework offers a starting point—not a rigid mandate—encouraging women to adapt it to their own lives and goals.