This paper aims to bring together the range of considerations which influence how we as citizens provide for our future, during the years of life generally considered as retirement. The paper shows how the notion of retirement itself is changing, and that this has reduced the relevance of analysis based on demographic measures alone. Since the last review of retirement provision in 2003, thinking on retirement, savings, and employment has become more informed by new sources and emerging trends, as well as some extensive studies done elsewhere. October 2006.
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