{"id":8414,"date":"2025-08-27T18:00:07","date_gmt":"2025-08-27T18:00:07","guid":{"rendered":"https:\/\/tezgyan.com\/index.php\/2025\/08\/27\/yolo-vs-savings-radhika-gupta-solves-youngsters-dilemma-shares-10-30-50-investment-rule-savings-and-investments-news\/"},"modified":"2025-08-27T18:00:07","modified_gmt":"2025-08-27T18:00:07","slug":"yolo-vs-savings-radhika-gupta-solves-youngsters-dilemma-shares-10-30-50-investment-rule-savings-and-investments-news","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/08\/27\/yolo-vs-savings-radhika-gupta-solves-youngsters-dilemma-shares-10-30-50-investment-rule-savings-and-investments-news\/","title":{"rendered":"YOLO Vs Savings: Radhika Gupta Solves Youngsters’ Dilemma, Shares 10-30-50 Investment Rule | Savings and Investments News"},"content":{"rendered":"


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Edelweiss Mutual Fund CEO Radhika Gupta urges Gen Z to balance spending and saving using her 10-30-50 rule and SDS concept, showing both fun and financial goals can coexist.<\/h2>\n
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Gupta also introduced a concept she calls \u201cSDS \u2014 Savings Deducted at Source.<\/p>\n<\/figure>\n

Every youngster faces the dilemma \u2013 to spend freely or to save for the future. It\u2019s hard to keep both when they have societal expectations in the age of social media, while there\u2019s a growing uncertainty and urge to save for the future.<\/p>\n

Edelweiss Mutual Fund CEO Radhika Gupta, in a recent social media post, tried to iron out this struggle that many young professionals today grapple with: \u201cTo YOLO or to save?”<\/p>\n

Gupta highlighted that the choice is not binary. \u201cReality is life is not a choice between YOLO and savings\u2026 it\u2019s a balance,” she wrote, recalling how her father once splurged on records, just as today\u2019s youngsters may spend on concerts or branded items.<\/p>\n

To simplify personal finance for millennials and Gen Z, Gupta referred to the \u201c10-30-50 rule” from her book Mango Millionaire. The principle is straightforward: save 10% of income in your 20s, 30% in your 30s, and 50% in your 40s. The rationale is that financial responsibilities grow with age, and higher incomes later in life allow for greater savings.<\/p>\n

She also introduced a concept she calls \u201cSDS \u2014 Savings Deducted at Source.” Just like tax is automatically deducted from salaries, Gupta suggests automating investments through SIPs, recurring deposits or fixed deposits before money even reaches one\u2019s account. \u201cHabits matter more than amounts,” she emphasized, noting that even starting with 1% in the early years can build the right discipline.<\/p>\n

Gupta\u2019s message is clear: young professionals don\u2019t need to choose between buying a handbag and saving for a start-up dream. With automation and consistency, both goals can coexist. \u201cThat, Gen Z, is the real flex,” she concluded.<\/p>\n

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Varun Yadav<\/a><\/p>\n

Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst…Read More<\/span><\/p>\n<\/div>\n<\/div>\n

Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst… Read More<\/span><\/p>\n<\/div>\n<\/div>\n

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Last Updated:August 27, 2025, 16:59 IST Edelweiss Mutual Fund CEO Radhika Gupta urges Gen Z to balance spending and saving using her 10-30-50 rule and SDS concept, showing both fun and financial goals can coexist. Gupta also introduced a concept she calls \u201cSDS \u2014 Savings Deducted at Source. Every youngster faces the dilemma \u2013 to…<\/p>\n","protected":false},"author":1,"featured_media":8415,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-8414","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/8414","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=8414"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/8414\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/8415"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=8414"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=8414"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=8414"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}