Generation Z, individuals born approximately between 1997 and 2012, is revolutionizing the way we view professional life and retirement. Unlike previous generations, who followed linear paths to traditional retirement, today’s youth are adopting the concept of ‘micro retirement’—planned breaks during their careers to experience new things and focus on personal well-being and growth.
Beyond digital immersion, Generation Z grew up amid global economic crises, political instability, and rapid changes in the job market. These factors shaped a more cautious and pragmatic outlook on the future, driving the pursuit of flexibility and decentralized financial security. This context partly explains their preference for multiple income streams and a focus on micro retirements throughout their lives.
According to Carla Pinheiro, Head of Operations at Quanta Previdência, these young people prefer not to wait decades to enjoy life, opting instead for breaks between jobs to rest and explore new opportunities.
‘They prioritize mental health, personal growth, and meaningful experiences over solely focusing on career longevity and progression. This trend reflects a paradigm shift, where quality of life and personal satisfaction take center stage,’ emphasizes the expert.
This new concept of micro retirement also challenges companies and employers to rethink their benefits and talent retention policies. Traditional pension programs and linear career plans may become less appealing to these young individuals, requiring more flexible formats that accommodate their expectations of strategic pauses and varied experiences throughout their professional lives.
Connected and flexible
With the traditional career model being questioned, Generation Z is embracing digital entrepreneurship, freelancing, and temporary work to achieve greater flexibility and income diversification. ‘For this generation, financial security is no longer tied to a single permanent job but rather to the ability to generate revenue through multiple channels,’ highlights Carla.
Composed of young professionals early in their careers or recent university graduates, this group demonstrates above-average interest and knowledge. Technology also plays a central role in this new behavior, serving as a direct ally in financial planning.
According to data presented by Anbima (Brazilian Association of Financial and Capital Market Entities) in the seventh edition of Investor X-Ray, 66% of these young people have accounts with digital banks and avoid in-person service, preferring intuitive and accessible platforms.
Apps allow them to monitor investments in real time, set personalized goals, and even schedule variable contributions, adapting their planning according to periods of higher or lower income. This combination of technology and personalization makes financial planning more accessible and aligned with the reality of those seeking both freedom and security.
Further data from the Investor X-Ray report shows that, in the investment sector, traditional savings accounts are losing ground to newer options. While savings accounts remain the primary choice for most investors aged 28 and older, Generation Z is seeking more dynamic alternatives. Only 3% invest in cryptocurrencies, 6% opt for investment funds, and 10% rely on digital influencers for financial guidance.
Despite their strong digital presence, these young people are demonstrating a more proactive approach to financial planning, valuing advice from family and close relations. ‘There is a balance between seeking information on digital platforms and trusting traditional opinions. They are learning from previous generations and making better use of available options to save and achieve their retirement goals,’ explains Valter Macena, Investment Analyst at Quanta.
Market solutions and trends
To support this new retirement perspective, institutions like Quanta Previdência offer solutions aligned with the needs of Generation Z. ‘It’s crucial that young people have access to flexible and accessible tools to plan their micro retirements, ensuring financial security without sacrificing the freedom they desire,’ notes Carla.
As an alternative in the market, the Cooprev plan emerges as an innovative option, allowing personalized contributions and simplified management through digital platforms. This enables young individuals to plan their strategic breaks without compromising their financial stability.
With a more pragmatic view of finances, career, and consumption, Generation Z is shaping a dynamic economic future in which technology and knowledge are essential tools for financial management.
