Z世代心中都有理想退休年龄，却坦言自己要工作到远超该年纪才退

Group 1 - The ideal retirement age for Generation Z is 59 years, but they expect to actually retire at 67 years, highlighting a common gap between ideal and expected retirement ages across generations [2][4][15] - Compared to the Baby Boomer generation at the same age, more members of Generation Z are able to participate in 401(k) fixed contribution pension plans [2][19] - The introduction of new product terms in 401(k) plans, along with earlier initiation of retirement savings, suggests that the younger generation may accumulate more substantial retirement funds than their predecessors [2][20] Group 2 - All generations desire to retire earlier but anticipate a delayed retirement, with Generation Z experiencing the largest gap between ideal and expected retirement ages [6][17] - Despite a pessimistic outlook on retirement prospects, Generation Z and Millennials may actually have more adequate retirement savings than they realize [7][18] - An analysis by Vanguard indicates that Generation Z and Millennials have the highest percentage of individuals meeting retirement savings benchmarks among all generations [8][19] Group 3 - The ability to participate in workplace retirement plans encourages younger individuals to save for retirement [9][20] - Since 2000, the design of 401(k) retirement plans has improved, making it easier for younger generations to save [9][20] - A 2006 law allows 401(k) account funds to be automatically directed to qualified default investment alternatives (QDIA), simplifying investment decisions for employees [10][21] - Early initiation of retirement savings can lead to significantly better outcomes due to the longer investment period and the benefits of compound interest [10][21]