Archive · 9 Oct 2026
How Gen Z’s Financial Plans Differ From Their Parents’
Many young people in India are starting to think about investing earlier than their parents may have.
They can hear about stocks and money on social media and talk about them with friends.
But hearing about an investment does not always mean understanding its risks.
Vedant Gupte of Trackk says young investors should first consider their goals, how long they can invest, and how much risk they can handle.
Starting with smaller amounts can help them learn how markets change.
People aged 18 to 24 may see their education, jobs, income, and responsibilities change quickly.
So a plan should be flexible instead of relying on assumptions that might soon change.
Saving regularly and avoiding rushed decisions can help build good financial habits.
Young Indians are forming financial opinions and investing earlier than previous generations.
Trackk co-founder and CEO Vedant Gupte says early planning should focus on goals, time horizons and risk, not elaborate portfolios.
Social media makes financial information more accessible but can encourage investment decisions without sufficient understanding.
Starting with smaller amounts can help young investors learn about market cycles and volatility while limiting financial stakes.
Because circumstances change quickly between ages 18 and 24, flexible plans and durable habits can be more useful than rigid assumptions.
- Who
- Young Indians, particularly people aged 18 to 24; Vedant Gupte, co-founder and CEO of Trackk, shares advice.
- What
- The article describes how young adults’ approach to financial planning is shifting toward understanding goals, risk and flexibility.
- When
- The article discusses financial planning for people aged 18 to 24.
- Where
- India.
- Why
- Young Indians are encountering financial information and markets earlier, while their income, education, careers and responsibilities may still be changing.
- Age group discussed
- 18 to 24
- Expert quoted
- Vedant Gupte
- Organization
- Trackk
- Role
- Co-founder and CEO
- Suggested starting point
- Smaller investment amounts to learn about market cycles and volatility
- Planning focus
- Financial goals, available money, time horizon and risk
- Habits emphasized
- Save consistently, understand risk, avoid urgency-driven decisions and allow long-term investments time to work