{"id":335424,"date":"2026-03-18T08:35:40","date_gmt":"2026-03-18T08:35:40","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/335424\/"},"modified":"2026-03-18T08:35:40","modified_gmt":"2026-03-18T08:35:40","slug":"why-you-must-plan-for-a-30-year-retirement","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/335424\/","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":335425,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[179782,179792,179786,138,179788,179789,179790,246,116630,179787,179783,179781,179784,156599,111,139,69,244,245,179791,179785,116634,156609,59098,59099,138817],"class_list":["post-335424","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-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-new-zealand","tag-newzealand","tag-nz","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\/nz\/wp-json\/wp\/v2\/posts\/335424","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=335424"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/335424\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/335425"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=335424"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=335424"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=335424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}