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Retirement systems around the world may differ, but many are facing similar challenges. Social security and other government benefits are undergoing severe financial strain due to population aging. Further, defined benefit pension plans, traditionally offered by employers, have been replaced with defined contribution plans funded by employees, which can have contributions from employers. As a result, individuals have become increasingly expected to self-fund a greater portion of their retirement income, yet many are ill-equipped to take on the risk and responsibility.

Transamerica Center for Retirement Studies (USA) collaborated with Aegon (Netherlands) and Instituto de Longevidade MAG (Brazil) on a 10-year global survey project examining retirement systems across 15 countries: Australia, Brazil, Canada, China, France, Germany, Hungary, India, Japan, the Netherlands, Poland, Spain, Turkey, the United Kingdom, and the USA.

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