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TheStreet Open House

UBS Investor Watch Report (Graphic: Business Wire)

Stocks in this article: UBS

UBS Wealth Management Americas (WMA) today released its quarterly UBS Investor Watch report , revealing that most wealthy investors’ do not feel "old" until they are 80, a significant shift from their parent's generation when "old" was perceived to be around age 60. The report found that only 16% consider retiring as a sign of being "old", and Americans define old as the loss of individual independence, marked by no longer living in your own home (71%) and driving your own car (67%)

Investor Watch is a quarterly publication analyzing investor sentiment and behavior, designed to provide a window into investors’ current, core, and often shifting priorities.

"People do not see retirement as a sign of being old, as it was for their parents," says Emily Pachuta, Head of Investor Insights, UBS Wealth Management Americas. "What we’re hearing from people is that age is nothing more than a number and the age when people feel old has gone way up."

Retirement seen as having three distinct phases

The UBS Investor Watch report found investors do not expect a direct break from work life into a leisurely retirement. Rather, 90% of working investors under the age of 65, or “pre-retirees,” believe they will experience three distinct phases of retirement over the course of multiple decades (the anticipated duration of each phase indicated in parentheses):

I. Transition (5-10 years): Reduced work hours, departure to start a new business or career, or increased volunteerism.

II. My Time (10-15 years): Focus on travel and leisure activities.

III. The Last Waltz (10-15 years): Slowing down with heightened focus on health issues and losing independence.

"What investors are telling us is that retirement is one word, but it is not one phase," Pachuta noted. "People now see retirement as being one third of their expected life, and it is marked by distinct phases each with different wants and needs."

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