Generation Z, individuals born approximately between 1997 and 2012, is revolutionizing the way we approach professional life and retirement. Unlike previous generations, that followed linear trajectories until traditional retirement, young people today are adopting the concept of "micro retirement" — planned breaks during the career to experience new things and focus on well-being and personal growth
In addition to 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 view of the future, driving the search for decentralized financial flexibility and security. This context explains, in part, the preference for multiple sources of income and the focus on micro retirements throughout life
According to Carla Pinheiro, head of Operations at Quanta Previdência, these young people prefer not to wait decades to enjoy life, choosing to take breaks between jobs to rest and explore new opportunities.
"They prioritize mental health", personal growth and meaningful experiences, instead of focusing only on longevity and career progression. This trend reflects a paradigm shift, where quality of life and personal satisfaction take center stage, highlights the specialist
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 attractive to these young people, demanding more flexible and adaptable formats to their expectations of strategic breaks and varied experiences throughout their professional life
Connected and 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, Carla stands out
Made up of young people at the beginning of their careers or recently graduated from university, this group has a level of interest and knowledge above average.Technology also plays a central role in this new behavior, acting 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 ofInvestor X-Ray, 66% of these young people have accounts in digital banks and avoid in-person service, preferring intuitive and accessible platforms
Apps allow tracking investments in real time, set personalized goals and even schedule variable contributions, adapting the planning according to periods of higher or lower income. This combination of technology and personalization makes financial planning more accessible and connected to the reality of those seeking freedom and security at the same time
According to data from the X-Ray of the Brazilian Investor, in the field of investments, the traditional savings book is losing ground to new options. While savings remain the main choice for most investors aged 28 or older, 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 showing 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 trust in traditional opinions. They are learning from previous generations and making better use of the available options to save and achieve their retirement goals, explain Valter Macena, investment analyst at Quanta
Market solutions and trends
To support this new perspective on retirement, institutions like Quanta Previdência 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 desire, points Carla
As an alternative in the market, the Cooprev plan emerges as an innovative option, allowing customized contributions and management facilitated through digital platforms. This allows young people to plan their strategic breaks without compromising their financial stability
With a more pragmatic view on finances, career and consumption, Generation Z is shaping a dynamic economic future, in which technology and knowledge are essential tools for financial management
