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]

神译局是36氪旗下编译团队，关注科技、商业、职场、生活等领域，重点介绍国外的新技 术、新观点、新风向。 编者按：微退休虽然可能会影响到财务状况和职业发展，但有时候是值得的。本文来自编译，希望对您 有所启发。 想到有一天可以退休，不再需要打卡上班，不再需要回复邮件，不再需要长时间工作，不再需要承担其 他的工作责任，这个"梦想"可以让你在工作最艰难的时刻打打鸡血。 虽然退休通常是在完成职业生涯并攒足了钱之后才发生的事情，但一些"95后"员工已经开始选择无薪休 假了，并称之为"微退休"。 "95后"通过微退休来避免职业倦怠，在工作中找到更大的满足感，并提升整体幸福感。然而，不仅仅 是"95后"：根据Side Hustles的一项调查，10%的员工正在考虑微退休，75%的人认为雇主应该提供微退 休政策。 辞去一份工作，当你准备好重新工作的时候再找一份新工作。 和领导商量，允许你频繁地无薪休假。 如果你是老板，可以从业务中抽身休息。 乔舒亚·查尔斯是一位"95后"企业主，其咨询公司帮助机构投资者、养老基金和保险公司投资非洲的项 目。查尔斯目前每六个月休假两周，并表示他是从朋友那里听说微退休的。"我通过去不同的国家旅行 ...