365Telugu.com online news,India, February 14th, 2025: Balancing responsibilities across two generations, India’s Sandwich Generation is feeling financially unprepared for their own future.
According to a recent Edelweiss Life Insurance study, 60% of respondents agree with the sentiment: “No matter how much I save or invest, it never feels enough for the future.”
The Sandwich Generation refers to individuals aged 35–54 years who financially support both their ageing parents and growing children.
Edelweiss Life Insurance, in partnership with YouGov, surveyed 4,005 respondents across 12 cities to understand their financial mindset, concerns, and preparedness.
A Cycle of Caregiving and Financial Pressure
Sumit Rai, MD & CEO of Edelweiss Life Insurance, highlighted the unique challenges this generation faces:
“Through our interactions with customers, we’ve observed how the Sandwich Generation is caught in a cycle of providing for both parents and children. They prioritize essentials like healthcare and education while aspiring to give their families a better life-where ‘needs’ don’t come at the cost of ‘wants.’ However, in doing so, they often sideline their own dreams, leaving them financially unprepared for the future.”
Money Dysmorphia & Financial Misalignment
The study also uncovered a phenomenon known as money dysmorphia—a persistent feeling of financial inadequacy despite active investments. Over 50% of respondents admitted to concerns such as:
– Fear of running out of money
– Feeling financially behind
– Doubts about whether they are doing well enough
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Interestingly, while 94% of respondents claim to have a financial plan, and 72% say their investments are linked to specific goals, many struggle to stay committed.
Investment Trends & Financial Gaps
Across the top five preferred financial instruments—Life Insurance, Health Insurance, Mutual Funds, Equities, and Bank FDs—less than 60% currently have active investments. Even fewer expect to continue them over the next 1–2 years.
A key concern is premature liquidation—many respondents admitted to accessing investments before their intended goals were met. While essential expenses such as healthcare and education were major reasons, non-critical spending like vacations and festive expenditures also contributed to these early withdrawals.
Credit Dependency & Future Financial Plans
- 64% of respondents use credit to meet short-term financial needs.
- 49% dip into savings for immediate expenses.
- 79% expect to rely on financial returns for long-term aspirations.
- 71% plan to depend on future income for financial stability.
Notably, retirement ranks among the top three long-term financial goals for this generation—despite being a phase where steady income stops. This underscores the need for stronger financial planning and discipline.
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Conclusion
India’s Sandwich Generation is striving to balance present responsibilities with future aspirations. However, financial misalignment, premature withdrawals, and reliance on credit create uncertainty. The study highlights the need for structured financial planning to ensure long-term security without compromising their current lifestyle.