{"id":41889,"date":"2026-07-30T15:30:58","date_gmt":"2026-07-30T10:00:58","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=41889"},"modified":"2026-07-29T23:18:18","modified_gmt":"2026-07-29T17:48:18","slug":"what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/","title":{"rendered":"What steps should I take this year to advance my retirement planning goals?"},"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-6a6c719f0a4dd\" 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-6a6c719f0a4dd\"><\/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\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/#calculate_the_real_retirement_number\" title=\"calculate the real retirement number\">calculate the real retirement number<\/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\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/#assess_current_savings_and_the_gap\" title=\"assess current savings and the gap\">assess current savings and the gap<\/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\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/#increase_equity_allocation_in_the_30s_and_40s\" title=\"increase equity allocation in the 30s and 40s\">increase equity allocation in the 30s and 40s<\/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\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/#use_retirement_products_effectively\" title=\"use retirement products effectively\">use retirement products effectively<\/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\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/#prepare_for_the_transition\" title=\"prepare for the transition\">prepare for the transition<\/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\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/#test_the_retirement_plan\" title=\"test the retirement plan\">test the retirement plan<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/#frequently_asked_questions\" title=\"frequently asked questions\">frequently asked questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">retirement planning is not a one-time activity. it is a process that needs attention every year.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the steps depend on age. someone in their 30s faces different priorities than someone in their 50s. but the core actions are similar. calculate the target. assess current savings. adjust the strategy.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">here is what to do this year.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"calculate_the_real_retirement_number\"><\/span><strong><span class=\"\">calculate the real retirement number<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">retirement calculators often use assumptions that do not fit indian reality. the standard 4% withdrawal rule works for the us market. in india&#8217;s high-inflation environment, a 3% withdrawal rate is safer\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">a 30-year-old aiming for a retirement income of \u20b950,000 a month needs a corpus of roughly \u20b97.5 crore to sustain inflation-adjusted withdrawals till age 90\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">for a 25-year-old with a \u20b960,000 monthly income, the target corpus is roughly \u20b910.5 crore\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the rule of thumb is 25 to 30 times annual expenses. a more conservative estimate is 300 times monthly expenses\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">medical inflation<\/span><\/strong><span class=\"\">\u00a0is the biggest factor. general inflation is around 5%. medical inflation is 12-14%\u00a0<\/span><span class=\"\">. a hospital procedure costing \u20b95 lakh today will cost \u20b927 lakh in 15 years\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">retirement plans that ignore this are not realistic.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"assess_current_savings_and_the_gap\"><\/span><strong><span class=\"\">assess current savings and the gap<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">less than half of india&#8217;s population is retirement-ready\u00a0<\/span><span class=\"\">. the real question is not when to retire. it is when assets can replace income\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">list all existing retirement savings. epf. ppf. nps. mutual funds. calculate the gap between the target corpus and current savings.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">if the gap is large, increase the savings rate. a 30-year-old needs to invest 70-80% of current monthly expenses for retirement\u00a0<\/span><span class=\"\">. someone in their 40s needs around 120%. someone in their 50s needs 200%.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"increase_equity_allocation_in_the_30s_and_40s\"><\/span><strong><span class=\"\">increase equity allocation in the 30s and 40s<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">being too conservative is a common mistake\u00a0<\/span><span class=\"\">. equity offers long-term growth. index funds have delivered roughly 11-12% compounded returns over the past two decades\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">for someone in their 30s, 50-70% equity is reasonable\u00a0<\/span><span class=\"\">. nps now allows up to 85% equity allocation, with more flexible withdrawal rules\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">in the 40s, balance growth with stability. in the 50s, shift towards capital protection and predictable income\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">do not reduce equity too early.<\/span><\/strong><span class=\"\">\u00a0even near retirement, a portion in equity helps beat inflation.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"use_retirement_products_effectively\"><\/span><strong><span class=\"\">use retirement products effectively<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"ds-scroll-area ds-scroll-area--show-on-focus-within ds-scroll-area--enabled _1210dd7 c03cafe9\">\n<table>\n<thead>\n<tr>\n<th><span class=\"\">product<\/span><\/th>\n<th><span class=\"\">what it offers<\/span><\/th>\n<th><span class=\"\">best for<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span class=\"\">epf<\/span><\/td>\n<td><span class=\"\">8-8.5% return, tax-free<\/span><\/td>\n<td><span class=\"\">salaried, retirement base<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">ppf<\/span><\/td>\n<td><span class=\"\">7.1%, tax-free<\/span><\/td>\n<td><span class=\"\">long-term, safe savings<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">nps<\/span><\/td>\n<td><span class=\"\">9-11% returns, extra tax benefit<\/span><\/td>\n<td><span class=\"\">long-term growth<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">scss<\/span><\/td>\n<td><span class=\"\">8.2% (senior citizens)<\/span><\/td>\n<td><span class=\"\">post-retirement income<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">investing through nps and mutual fund sips helps automate the process\u00a0<\/span><span class=\"\">. the key is consistency, not timing the market.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"prepare_for_the_transition\"><\/span><strong><span class=\"\">prepare for the transition<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">near retirement, the focus shifts from accumulation to decumulation. cash flow matters more than corpus size\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">withdrawal strategy.<\/span><\/strong><span class=\"\">\u00a0start with 3-4% of the corpus in the first year. increase withdrawals with inflation\u00a0<\/span><span class=\"\">. a higher withdrawal rate in early years depletes the corpus faster.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">healthcare buffer.<\/span><\/strong><span class=\"\">\u00a0set aside a separate medical fund of \u20b91-2 crore for emergencies\u00a0<\/span><span class=\"\">. medical inflation will erode a regular corpus quickly.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">estate planning.<\/span><\/strong><span class=\"\">\u00a0update nominations and will. ensure family can access accounts without legal hurdles\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"test_the_retirement_plan\"><\/span><strong><span class=\"\">test the retirement plan<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">live on the expected retirement income for a few months. this reveals gaps before the transition happens\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">adjust the budget if needed. consider relocating to a lower-cost city. a simple address change can reduce the &#8220;burn rate&#8221; by 40%, adding years to the portfolio\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"frequently_asked_questions\"><\/span><strong><span class=\"\">frequently asked questions<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">1. how much corpus is needed for retirement in india<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">25 to 30 times annual expenses is a common guideline. with medical inflation, 300 times monthly expenses is safer\u00a0<\/span><span class=\"\">. a \u20b91 lakh monthly lifestyle requires roughly \u20b93.5 crore corpus\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">2. what is the ideal withdrawal rate in retirement<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">3-3.5% is safer than the traditional 4% in india&#8217;s high-inflation environment\u00a0<\/span><span class=\"\">. a 4% withdrawal can lose 40% of purchasing power by year 10\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">3. should equity be kept in the portfolio after retirement<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">yes, 10-15% equity is reasonable for retirees. equity protects against inflation. but high equity at retirement creates sequence of returns risk, where early bear markets combined with withdrawals deplete the corpus\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">4. what is the biggest mistake in retirement planning<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">underestimating medical inflation. a single major illness can liquidate the entire plan if there is no dedicated medical buffer\u00a0<\/span><span class=\"\">. start health insurance early and maintain it through retirement.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">5. can early retirement be achieved in india<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">yes, but it requires higher savings. if retiring at 50 instead of 60, the corpus needs to last 40 years instead of 30. 25-30 times annual expenses is the minimum. 40 times may be needed for early retirement\u00a0<\/span><span class=\"\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>retirement planning is not a one-time activity. it is a process that needs attention every year. the steps depend on age. someone in their 30s faces different priorities than someone in their 50s. but the core actions are similar. calculate the target. assess current savings. adjust the strategy. here is what to do this year. [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":41,"featured_media":41767,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_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>What steps should I take this year to advance my retirement planning goals? - 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\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What steps should I take this year to advance my retirement planning goals? - Kuvera\" \/>\n<meta property=\"og:description\" content=\"retirement planning is not a one-time activity. it is a process that needs attention every year. the steps depend on age. someone in their 30s faces different priorities than someone in their 50s. but the core actions are similar. calculate the target. assess current savings. adjust the strategy. here is what to do this year. [...]Read More...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/\" \/>\n<meta property=\"og:site_name\" content=\"Kuvera\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kuvera.in\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-30T10:00:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-29T17:48:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2026\/07\/retirement-plan-form-insurance-financial-concept-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"3500\" \/>\n\t<meta property=\"og:image:height\" content=\"2335\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kuvera Desk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:site\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kuvera Desk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What steps should I take this year to advance my retirement planning goals? - Kuvera","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/","og_locale":"en_US","og_type":"article","og_title":"What steps should I take this year to advance my retirement planning goals? - Kuvera","og_description":"retirement planning is not a one-time activity. it is a process that needs attention every year. the steps depend on age. someone in their 30s faces different priorities than someone in their 50s. but the core actions are similar. calculate the target. assess current savings. adjust the strategy. here is what to do this year. [...]Read More...","og_url":"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/","og_site_name":"Kuvera","article_publisher":"https:\/\/www.facebook.com\/kuvera.in","article_published_time":"2026-07-30T10:00:58+00:00","article_modified_time":"2026-07-29T17:48:18+00:00","og_image":[{"width":3500,"height":2335,"url":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2026\/07\/retirement-plan-form-insurance-financial-concept-1.jpg","type":"image\/jpeg"}],"author":"Kuvera Desk","twitter_card":"summary_large_image","twitter_creator":"@Kuvera_In","twitter_site":"@Kuvera_In","twitter_misc":{"Written by":"Kuvera Desk","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/#article","isPartOf":{"@id":"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/"},"author":{"name":"Kuvera Desk","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/person\/5f6f28482f886bf4493352e26c69ea7e"},"headline":"What steps should I take this year to advance my retirement planning goals?","datePublished":"2026-07-30T10:00:58+00:00","dateModified":"2026-07-29T17:48:18+00:00","mainEntityOfPage":{"@id":"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/"},"wordCount":716,"commentCount":0,"publisher":{"@id":"https:\/\/kuvera.in\/blog\/#organization"},"articleSection":["Retirement"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/","url":"https:\/\/kuvera.in\/blog\/what-steps-should-i-take-this-year-to-advance-my-retirement-planning-goals\/","name":"What steps should I take this year to advance my retirement planning goals? 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