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]