If you seriously consider enjoying "unlimited" social and health benefits of NZ, you may just retire immediately with $2M in bank and lead more luxurious life in most places in the world no matter if you are 60 or 20 years old.
IIRC $2M is enough to "buy" a Swiss citizenship too, so that kind of money really enables you to live basically anywhere in the world and you need a specific retirement plan only if you want to spend a lot of cash regularly for the rest of your life. Personally I would not even think about working to get paid anymore if I had even $1M, but ofc that's just me and my modest living standards.
IIRC $2M is enough to "buy" a Swiss citizenship too, so that kind of money really enables you to live basically anywhere in the world and you need a specific retirement plan only if you want to spend a lot of cash regularly for the rest of your life. Personally I would not even think about working to get paid anymore if I had even $1M, but ofc that's just me and my modest living standards.