{"id":391128,"date":"2026-03-18T08:32:12","date_gmt":"2026-03-18T08:32:12","guid":{"rendered":"https:\/\/www.europesays.com\/ie\/391128\/"},"modified":"2026-03-18T08:32:12","modified_gmt":"2026-03-18T08:32:12","slug":"why-you-must-plan-for-a-30-year-retirement","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ie\/391128\/","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":391129,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[177],"tags":[178590,178600,178594,79,178596,178597,18,178598,113266,178595,19,17,178591,178589,178592,158850,234,235,178599,178593,43900,158860,68789,68790,143183],"class_list":{"0":"post-391128","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-30-year-retirement-plan","9":"tag-affluent-indians-retirement","10":"tag-asset-allocation-retirement","11":"tag-business","12":"tag-critical-illness-policy","13":"tag-dedicated-medical-corpus","14":"tag-eire","15":"tag-epf-ppf-retirement","16":"tag-financial-planning-india","17":"tag-health-insurance-seniors","18":"tag-ie","19":"tag-ireland","20":"tag-life-expectancy-india","21":"tag-long-retirement-india","22":"tag-medical-inflation-india","23":"tag-mutual-funds-retirement","24":"tag-personal-finance","25":"tag-personalfinance","26":"tag-post-career-planning","27":"tag-retirement-income-streams","28":"tag-retirement-planning-india","29":"tag-secure-retirement","30":"tag-swp","31":"tag-systematic-withdrawal-plan","32":"tag-wealth-management-india"},"share_on_mastodon":{"url":"","error":"Validation failed: Text character limit of 500 exceeded"},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/391128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=391128"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/391128\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/391129"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=391128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=391128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=391128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}