Core Insights - T. Rowe Price released the "2025 Hong Kong Retirement Survey," indicating that over half of respondents believe they need more than HKD 5 million in savings for a comfortable retirement [1] - The survey reveals a shift in retirement perceptions, with 52% of respondents changing the traditional view of retiring at 65, favoring flexible retirement options like "micro-retirement" and "post-retirement employment" [1] Summary by Categories Retirement Savings Expectations - 36% of respondents believe they need HKD 5.01-10 million for retirement, while 16% think they need over HKD 10 million [1] - 38% of respondents feel that HKD 2-5 million is sufficient for retirement, and 10% believe HKD 2 million or less is adequate [1] Changing Retirement Trends - 52% of respondents are moving away from the traditional retirement age of 65 [1] - 47% are inclined towards innovative retirement models such as "micro-retirement" and "post-retirement employment" [1] Micro-Retirement Insights - 80% of respondents prefer "micro-retirement," which involves planned short-term breaks during their careers [1] - The ideal age for "micro-retirement" is perceived to be after 50, lasting over a year, with most indicating a need to accumulate over HKD 2 million in assets before considering it [1] High-Income Respondents - 70% of high-income individuals prefer flexible retirement options [1] - Only 51% of high-income respondents have set retirement savings goals, the lowest among all income groups [1] Investment Strategy Implications - The emergence of trends like "micro-retirement" and "post-retirement employment" suggests that investment strategies should evolve accordingly [1]

Core Concept - The article discusses the concept of "micro-retirement," a trend among younger employees, particularly those born in the 1990s, who are opting for unpaid breaks from work to avoid burnout and enhance overall happiness [2][6]. Group 1: Definition and Concept of Micro-Retirement - Micro-retirement is defined as intentionally taking frequent and extended unpaid breaks during one's career, aimed at relaxation and recharging [3]. - It can involve various forms, such as resigning from a job and seeking new employment later, or negotiating with employers for regular unpaid leave [4]. Group 2: Benefits and Drawbacks of Micro-Retirement - Micro-retirement offers an opportunity to recharge and focus on personal happiness, which is increasingly valued by younger generations [6]. - However, it can have long-term financial implications, affecting income, investments, and retirement savings, especially if the employer provides matching contributions [6]. - Frequent breaks may also hinder career advancement, as returning to the workforce can be challenging, and perceptions of job-hopping may arise [6]. Group 3: Planning for Micro-Retirement - Individuals considering micro-retirement should save enough money to cover expenses during unpaid periods [9]. - Understanding employer policies on flexible work arrangements is crucial, and planning for potential career transitions is necessary if leaving a job [9].