More Indians are now pausing full-time work to prioritise passions, upskilling, or simple rest. Mini retirements, once a distant Western concept, are quickly becoming a popular trend amongst young Indian professionals seeking better work-life balance and personal fulfilment.
Mini retirements are structured breaks lasting from a few months to years, offering time for travel, hobbies, or family without waiting for traditional retirement age. As per HSBC’s 2025 report, 85% of Indian respondents felt these breaks improved their life quality. 48% are planning at least 1 mini retirement.
Nearly 44% aim to take 2-3 breaks across their life, typically around every 6 years. Age 44 is seen as the ideal time for the first break, with 44% preferring durations between 3-12 months.
Funding these extended breaks demands careful financial preparation. The report states that 39% of respondents spend up to $1,00,000 for each mini retirement, while 20% might spend between $5,00,000 to $9,99,999. Key sources of funding include personal savings (38%), family or parental aid (36%), and part-time or freelance income (36%).
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While mini retirements suggest risk-taking attitudes, Gen Z and millennials still prefer conservative investments. Among survey participants, 56% of Gen Z and 53% of millennials invest in insurance-linked savings. Nearly 47% of both groups favour gold investments. Mutual funds attracted around 40%, while alternatives like private equity stayed under 31%.
Despite widespread interest, challenges exist. 37% fear financial insecurity, 36% cite family responsibilities, and 31% are concerned about societal judgment. These highlight the importance of robust financial planning and shifting cultural views to make mini retirements a mainstream life choice.
Mini retirements reflect a growing desire among India’s young professionals to lead balanced, purposeful lives. As this trend accelerates, it demands new approaches to career, finances, and investment strategy, ensuring long-term well-being while stepping away periodically.
Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Investments in securities are subject to market risks. Read all related documents carefully before investing.
Published on: Sep 11, 2025, 3:51 PM IST
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