‘Save, but also spend on what brings you joy,’ says the mutual fund chief in a refreshing take on personal finance.
Edelweiss Mutual Fund CEO Radhika Gupta has shared a powerful reminder that personal finance isn’t only about saving and investing—it’s equally about enjoying the rewards of your hard work.
In a heartfelt post on X (formerly Twitter), Ms. Gupta urged people to find a balance between financial discipline and life’s simple joys.
Money Isn’t Just About Saving – It’s About Living Too
Radhika Gupta began her post with a poetic Hindi note, reflecting on how even small moments of happiness can be deeply fulfilling. She explained that while financial prudence is essential, there’s unmatched satisfaction in spending on experiences or things that truly matter.
“My job is to sell SIPs, but I always tell everyone—young and old—to enjoy the fruits of your hard work,” she wrote.
A Balanced Approach to Personal Finance
Here’s what she emphasized:
✅ Save consistently, but don’t let saving become the sole focus of life
✅ Spend on things that bring joy, making your financial journey meaningful
✅ Life is not about having the highest NAV or most rupees, but about living joyfully
“The middle path exists, and it is a good one,” Gupta concluded, reinforcing that balance is key.
Clarifying Financial Misconceptions
Just a few days earlier, Gupta used another X post to clear a common confusion in investing.
She shared that many still misunderstand the relationship between SIPs, mutual funds, and equities, saying:
“It drives me crazy that after all these years, people think SIP and mutual funds are different, and that mutual fund means only equity.”
By simplifying financial jargon, she aims to help people make informed investment choices.
Beyond Finance: Her Views on Health & Society
In April 2025, Radhika Gupta also spoke about India’s growing obesity crisis, suggesting half-plate portions at restaurants to reduce food waste and encourage healthier eating.
“When dining alone, sharing isn’t always possible. Restaurants could price half-plates slightly above 50% of full portions—it helps diners eat less without wasting food or money.”
Key Takeaways from Radhika Gupta’s Advice
✅ Personal finance should include both saving and mindful spending
✅ Joyful living matters more than net worth comparisons
✅ Simplify financial concepts—SIPs, mutual funds & equities are connected
✅ Think beyond money—health and mindful living also matter
