{"id":41593,"date":"2026-07-14T21:30:23","date_gmt":"2026-07-14T16:00:23","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=41593"},"modified":"2026-07-14T20:34:39","modified_gmt":"2026-07-14T15:04:39","slug":"how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/","title":{"rendered":"How should I plan finances after retirement to ensure longevity of funds?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-6a568fdcdea48\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-6a568fdcdea48\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/#start_with_a_withdrawal_rate_not_a_lump_sum\" title=\"start with a withdrawal rate. not a lump sum.\">start with a withdrawal rate. not a lump sum.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/#the_bucket_strategy_how_money_survives_bad_years\" title=\"the bucket strategy. how money survives bad years.\">the bucket strategy. how money survives bad years.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/#do_not_go_fully_safe_that_is_how_a_corpus_dies_slowly\" title=\"do not go fully safe. that is how a corpus dies slowly.\">do not go fully safe. that is how a corpus dies slowly.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/#build_a_guaranteed-income_floor_for_the_essentials\" title=\"build a guaranteed-income floor for the essentials.\">build a guaranteed-income floor for the essentials.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/#how_withdrawals_are_made_matters_as_much_as_what_is_held\" title=\"how withdrawals are made matters as much as what is held.\">how withdrawals are made matters as much as what is held.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/#ring-fence_healthcare_separately\" title=\"ring-fence healthcare. separately.\">ring-fence healthcare. separately.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/#a_sample_portfolio\" title=\"a sample portfolio.\">a sample portfolio.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/#the_yearly_habit_that_keeps_it_alive\" title=\"the yearly habit that keeps it alive.\">the yearly habit that keeps it alive.<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">someone <a href=\"https:\/\/kuvera.in\/explore-invest\">retires<\/a> at 60 feeling reasonably set. the first few years pass without much drama. inflation gets to work. the \u20b950,000 that covers a month at 60 needs \u20b91 lakh by 75. call it \u20b91.5 lakh by 85.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">a rough patch in the markets takes a bite that never fully recovers. by the early 80s, the arithmetic quietly gives up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">the question worth asking is not how big the corpus is. it is how long it can keep paying before something breaks. that is a different problem. it has a fairly settled set of answers.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"start_with_a_withdrawal_rate_not_a_lump_sum\"><\/span><b>start with a withdrawal rate. not a lump sum.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">the figure that runs the show is not the size of the corpus. it is how much is taken out every year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">the &#8220;4 percent rule&#8221; is a starting point. withdraw 4 percent in year one. raise it with inflation each year after.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">trouble is. it came from american research built around a 30-year <a href=\"https:\/\/kuvera.in\/explore-invest\">retirement<\/a>. indian inflation has usually run hotter. lifting that 4 percent straight off the shelf can leave things finer than desired.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">easier to turn it around. build toward a corpus of roughly 25 to 30 times annual spending. begin drawing somewhere around 3 to 4 percent of it. plan to live a long time. past 90, not up to some neat average. betting on an early death is the costliest assumption.<\/span><\/p>\n<table style=\"height: 256px;\" width=\"447\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>if annual expense is<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>a 25x corpus<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>a 30x corpus<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b96 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91.5 crore<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91.8 crore<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b99 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b92.25 crore<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b92.7 crore<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b912 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b93 crore<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b93.6 crore<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">ballpark, not scripture. a pension, rental income, or a paid-off house changes the picture.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"the_bucket_strategy_how_money_survives_bad_years\"><\/span><b>the bucket strategy. how money survives bad years.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">the danger is not a market drop on its own. it is a drop that lands while money is being pulled out. units are sold at the bottom to pay for monthly expenses. those units never climb back. the corpus wears that loss permanently.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">there is a name for it. sequence-of-<a href=\"https:\/\/kuvera.in\/explore-invest\">returns<\/a> risk. two people can earn the same average return across <a href=\"https:\/\/kuvera.in\/explore-invest\">retirement<\/a> and end up worlds apart. based on when the ugly years turned up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">the solution is making sure growth money is never sold at the worst possible time. carve the corpus into three parts.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><b>bucket<\/b><\/p>\n<\/td>\n<td style=\"text-align: center;\"><b>holds<\/b><\/td>\n<td style=\"text-align: center;\"><b>made of<\/b><\/td>\n<td>\n<p style=\"text-align: center;\"><b>job<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1 &#8211; spend<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1-3 years of expenses<\/span><\/td>\n<td><span style=\"font-weight: 400;\">liquid funds, sweep-in fds, savings<\/span><\/td>\n<td><span style=\"font-weight: 400;\">what is lived on. never sees the market.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 &#8211; stability<\/span><\/td>\n<td><span style=\"font-weight: 400;\">next 4-7 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">scss, fds, pomis, rbi floating rate bonds<\/span><\/td>\n<td><span style=\"font-weight: 400;\">predictable income. refills bucket 1.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 &#8211; growth<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7+ years out<\/span><\/td>\n<td><span style=\"font-weight: 400;\">equity and hybrid funds<\/span><\/td>\n<td><span style=\"font-weight: 400;\">beats inflation. tops up bucket 2 in good years.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">the way it runs day to day is simple. spend from bucket 1. as that drains, bucket 2 fills it back up. in years the market treats well, a little is lifted off bucket 3 to refill bucket 2. in years it does not, bucket 3 is left alone.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">that waiting is the whole point. it keeps the retiree solvent.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"do_not_go_fully_safe_that_is_how_a_corpus_dies_slowly\"><\/span><b>do not go fully safe. that is how a corpus dies slowly.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">instinct quietly leads people off a ledge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">at 60 the gut says move it all into fds. into the guaranteed stuff. sleep easy. feels like the careful thing to do.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">it is not.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">picture a 25-year <a href=\"https:\/\/kuvera.in\/explore-invest\">retirement<\/a>. inflation at 6 percent. the cost of living roughly triples by the end. now set that against a portfolio earning a flat 7 percent with nothing growing quicker than prices. it cannot keep step. it sheds a little buying power every year. quietly. on and on. until there is nothing left to shed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">holding some equity in retirement is not reckless. it is what stands between money and a slow fade in real terms.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">the old &#8220;100 minus your age&#8221; line lands a 60-to-70-year-old at roughly 30 to 40 percent in equity. nudge it up or down depending on how much market wobble can be sat through without doing something silly. just keep a piece growing. that is the instruction.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"build_a_guaranteed-income_floor_for_the_essentials\"><\/span><b>build a guaranteed-income floor for the essentials.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">cover the bills that cannot be skipped with income fully banked on. leave the market-linked money for the extras. trips. grandkids&#8217; presents.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><b>instrument<\/b><\/p>\n<\/td>\n<td style=\"text-align: center;\"><b>what it gives<\/b><\/td>\n<td>\n<p style=\"text-align: center;\"><b>worth noting<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">scss<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~8.2% p.a., paid quarterly<\/span><\/td>\n<td><span style=\"font-weight: 400;\">max \u20b930 lakh per person. a 60+ couple can hold \u20b960 lakh across two accounts. interest is fully taxable.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">pomis<\/span><\/td>\n<td><span style=\"font-weight: 400;\">steady monthly income<\/span><\/td>\n<td><span style=\"font-weight: 400;\">modest limits. handy for laddering.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">bank fds (senior rates)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">predictable, flexible tenures<\/span><\/td>\n<td><span style=\"font-weight: 400;\">seniors get a rate bonus at most banks.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">rbi floating rate savings bonds<\/span><\/td>\n<td><span style=\"font-weight: 400;\">government-backed income<\/span><\/td>\n<td><span style=\"font-weight: 400;\">rate resets every so often.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">annuity<\/span><\/td>\n<td><span style=\"font-weight: 400;\">income for life<\/span><\/td>\n<td><span style=\"font-weight: 400;\">certainty, yes. but rates are nothing special. most people buy it for a slice, not the whole pot.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">scss has sat at 8.2 percent for several quarters. it pays better than what big banks give on fds. no surprise it does heavy lifting in many retiree portfolios.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">one word of caution. resist the urge to dump everything into it. between the \u20b930 lakh ceiling and the lock-in, it is one tool in the box. not the box.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"how_withdrawals_are_made_matters_as_much_as_what_is_held\"><\/span><b>how withdrawals are made matters as much as what is held.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">tax nibbles away at retirement income. the rules moved recently. plenty of advice floating around online quietly stopped being true.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">two things to hold onto.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">one. equity and hybrid funds go easy on tax when cashed out. long-term gains on equity funds are taxed at 12.5 percent. only on whatever spills over \u20b91.25 lakh in a year. drawing income through a systematic withdrawal plan from an equity-leaning fund can cost less tax than taking the same rupees as fully-taxable fd or scss interest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">two. debt mutual funds have lost the advantage they used to carry. buy one on or after april 1, 2023. taxed at slab rate however long held. no indexation. tax-wise, that is just an fd wearing a different coat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">which is why retirees in higher brackets have moved their conservative money into arbitrage funds instead. those still get the kinder equity treatment. in practice. each year, draw from whichever pocket is most tax-efficient. use the \u20b91.25 lakh equity exemption instead of letting it slip by.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"ring-fence_healthcare_separately\"><\/span><b>ring-fence healthcare. separately.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">medical costs climb faster than ordinary prices. a single bad spell in hospital can rip straight through a plan assembled over years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">give health its own corner. a strong senior health policy. behind it, a medical buffer kept well clear of the spending corpus.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">the reason is one sentence. no medical shock should ever force selling growth assets in a falling market.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"a_sample_portfolio\"><\/span><b>a sample portfolio.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">picture a moderate-risk retiree. \u20b92 crore corpus. \u20b98 lakh annual spending.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>sleeve<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\"><strong>allocation<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>roughly<\/strong><\/td>\n<td>\n<p style=\"text-align: center;\"><strong>purpose<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">liquid\/cash (bucket 1)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~8%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b916 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 years of spending. zero market risk.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">safe income (bucket 2)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~45%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b990 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">scss + fds + bonds for steady payouts.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">growth (bucket 3)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~45%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b990 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">equity\/hybrid funds to beat inflation.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">health buffer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">separate<\/span><\/td>\n<td><span style=\"font-weight: 400;\">&#8211;<\/span><\/td>\n<td><span style=\"font-weight: 400;\">outside the spending corpus.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">a shape. not a prescription. where the lines fall depends on the corpus, monthly spending, any pension or rent coming in, and who is leaning on the retiree for support.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"the_yearly_habit_that_keeps_it_alive\"><\/span><b>the yearly habit that keeps it alive.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">none of this is set-and-forget. once a year, line up what was actually spent against the rate meant to be drawn. rebalance the buckets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">deal with the dull but genuinely important stuff. nominations up to date. a valid will on file. family able to access every account without a fight.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><b>FAQs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>1. how much corpus is needed to retire comfortably in india ?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">the usual rule of thumb is 25 to 30 times annual expenses. spend \u20b99 lakh a year and the target is roughly \u20b92.25 to 2.7 crore. a pension, rental income, or a paid-off home reduces that number.<\/span><\/p>\n<p><b>2. what is the safe withdrawal rate for indian retirees ?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">many planners suggest starting near 3 to 4 percent of the corpus in year one. raise it only with inflation. since indian inflation tends to run high, leaning toward the lower end buys a cushion.<\/span><\/p>\n<p><b>3. should equity be kept in the portfolio after retirement ?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">usually yes, at least some. across a 20 to 25 year retirement, inflation can triple expenses. an all-fd portfolio cannot keep up. a handy starting reference is &#8220;100 minus age&#8221; in equity. adjust for personal comfort.<\/span><\/p>\n<p><b>4. what is the bucket strategy ?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">the corpus is split three ways. one to three years of expenses in cash. the next several years in safe income products. the long-term money in equity. spending only from the cash bucket means a crash never forces selling equity.<\/span><\/p>\n<p><b>5. is scss enough for retirement income ?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">it is a good base. around 8.2 percent paid quarterly. government-backed. but it caps at \u20b930 lakh per person and the interest is taxable. use it as the workhorse of the safe sleeve, not the whole plan.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>someone retires at 60 feeling reasonably set. the first few years pass without much drama. inflation gets to work. the \u20b950,000 that covers a month at 60 needs \u20b91 lakh by 75. call it \u20b91.5 lakh by 85. a rough patch in the markets takes a bite that never fully recovers. by the early 80s, [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":41,"featured_media":41594,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[120],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How should I plan finances after retirement to ensure longevity of funds? - Kuvera<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/how-should-i-plan-finances-after-retirement-to-ensure-longevity-of-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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