Generation Z, individuals born approximately between 1997 and 2012, is revolutionizing the way we face professional life and retirement. Unlike previous generations, who followed linear trajectories until traditional retirement, today's young people are adopting the concept of “micro retirement (planned breaks during their careers to experience new experiences and focus on well-being and personal growth.
In addition to digital immersion, Generation Z has grown amid global economic crises, political instability and rapid changes in the labor market. These factors have shaped a more cautious and pragmatic view of the future, driving the search for decentralized financial flexibility and security.
According to Carla Pinheiro, head of Operations at Quanta Pension, these young people prefer not to wait decades to enjoy life, opting for breaks between jobs to rest and explore new opportunities.
“They prioritize mental health, personal growth and meaningful experiences, rather than focusing only on longevity and career progression.This trend reflects a paradigm shift where quality of life and personal satisfaction gain prominence”.
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 can become less attractive for these young people, demanding more flexible formats that are adaptable to their expectations of strategic breaks and varied experiences throughout their working lives.
Connected & flexible
With the traditional career model being questioned, Generation Z opts for digital entrepreneurship, freelancing and temporary jobs to achieve greater flexibility and income diversification. “Financial security for this generation is no longer associated with a single fixed job, but rather the ability to generate revenue through different means”, highlights Carla.
Formed by young people at the beginning of their careers or recently left university, this group has a level of interest and knowledge above average. Technology also plays a central role in this new behavior, working as a direct ally in financial planning.
According to data presented by Anbima (Brazilian Association of Financial and Capital Markets Entities) in the seventh edition of the Investor X Ray, 66% of these young people have an account in digital banks and avoid face-to-face service, preferring intuitive and accessible platforms.
Applications allow you to track investments in real time, set personalized goals and even schedule variable contributions, adapting planning according to periods of higher or lower income. This combination of technology and customization makes financial planning more accessible and connected to the reality of those seeking freedom and security at the same time.
Also according to data from Ray X of the Brazilian Investor, in the field of investments, the traditional savings account loses space for new options. While saving remains the main choice for most investors aged 28 or more, Generation Z seeks more dynamic alternatives. Only 3% invest in cryptocurrencies, 6% opt for investment funds and 10% turn to digital influencers for financial guidance.
Despite the strong digital presence, these young people are demonstrating a more proactive approach to financial planning, valuing advice from family and close people.“There is a balance between the search for information on digital platforms and the trust in traditional opinions.They are learning from previous generations and taking better advantage of the options available to save and achieve their retirement goals”, explains Valter Macena, investment analyst at Quanta.
Market solutions and trends
To support this new perspective of retirement, institutions such as Quanta Pension offer solutions aligned with the needs of Generation Z. “It is essential that young people have flexible and accessible tools to plan their micro-retirements, ensuring financial security without giving up the freedom they want to”, says Carla.
As an alternative in the market, the Cooprev plan emerges as an innovative option, allowing personalized contributions and management facilitated through digital platforms.This enables young people to plan their strategic breaks without compromising their financial stability.
With a more pragmatic view of finance, career and consumption, Generation Z is shaping a dynamic economic future in which technology and knowledge are essential tools for financial management.
