{"id":544179,"date":"2026-03-18T09:17:17","date_gmt":"2026-03-18T09:17:17","guid":{"rendered":"https:\/\/www.newsbeep.com\/ca\/544179\/"},"modified":"2026-03-18T09:17:17","modified_gmt":"2026-03-18T09:17:17","slug":"why-you-must-plan-for-a-30-year-retirement","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ca\/544179\/","title":{"rendered":"Why you must plan for a 30-year retirement"},"content":{"rendered":"<p>Split your retirement budget into two categories. First, your non-negotiable expenses: groceries, utilities, insurance premiums, and basic healthcare. \u201cThis should be 40% to 50% of your monthly needs, funded entirely by safe, fixed-income instruments. Your Employee Provident Fund (<a class=\"backlink\" target=\"_blank\" href=\"https:\/\/www.livemint.com\/money\/personal-finance\/india-retirement-planning-nps-epf-new-rules-implications-investors-understand-new-nps-epf-changes-impact-your-retirement-11761544444557.html\" data-vars-page-type=\"story\" data-vars-link-type=\"Manual\" data-vars-anchor-text=\"EPF\" rel=\"nofollow noopener\">EPF<\/a>) and PPF lump sums can be deployed into the Senior Citizens Savings Scheme, post office schemes, and debt funds,\u201d Jethwani said.<\/p>\n","protected":false},"excerpt":{"rendered":"Split your retirement budget into two categories. First, your non-negotiable expenses: groceries, utilities, insurance premiums, and basic healthcare.&hellip;\n","protected":false},"author":2,"featured_media":544180,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[212228,212241,212234,45,49,48,212236,212237,212238,133,150868,212235,212229,212227,212230,212233,131,132,212239,212231,150872,212240,212232,114167,172909],"class_list":["post-544179","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-30-year-retirement-plan","tag-affluent-indians-retirement","tag-asset-allocation-retirement","tag-business","tag-ca","tag-canada","tag-critical-illness-policy","tag-dedicated-medical-corpus","tag-epf-ppf-retirement","tag-finance","tag-financial-planning-india","tag-health-insurance-seniors","tag-life-expectancy-india","tag-long-retirement-india","tag-medical-inflation-india","tag-mutual-funds-retirement","tag-personal-finance","tag-personalfinance","tag-post-career-planning","tag-retirement-income-streams","tag-retirement-planning-india","tag-secure-retirement","tag-swp","tag-systematic-withdrawal-plan","tag-wealth-management-india"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/544179","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/comments?post=544179"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/posts\/544179\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media\/544180"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/media?parent=544179"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/categories?post=544179"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ca\/wp-json\/wp\/v2\/tags?post=544179"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}