Hong Kong, Sept. 3 -- "I want to retire by 45". This is something we hear from many millennials who want to slog it out now, for a relaxed time later. Retiring from a 9-to-5 job, but with enough bank balance for passion projects later is key. We spoke to experts for the best investment options available for millennials for a happy retirement.

Goal setting

Whether you want to excel at surfing, backpack across the world, or start your own cafe in the mountains, it is important to have a goal. If you would like to maintain the same indulgences you have while you have a job later on as well, you will have to factor in inflation and budget each month. Keeping in extra cash for emergencies is key as well.

"Defining a goal is the first step. ...