Foreword Richard Samans The challenges to provide ageing populations with a financially secure retirement are well known. Head of the Recent trends in retirement system design and changing workforce dynamics mean individuals are Centre for the taking more responsibility and risk to achieve adequate incomes in retirement. At the same time, many Global Agenda individuals do not have easy access to retirement savings vehicles. Society must ensure retirement Member of the systems are inclusive and sustainable, and provide adequate income for all. Achieving this balance is Managing Board challenging but lessons can be learned from successful systems around the world. Michael Drexler This White Paper has been produced as part of the World Economic Forum Retirement Investment Head of Financial Systems Reform project, which has brought together pension experts to assess opportunities and Infrastructure for reforms that can be adopted to improve the likelihood of retirement systems adequately and Systems sustainably supporting future generations. The issues and findings discussed are the result of Member of numerous interviews, discussions and workshops. the Executive Committee With this in mind, we thank Mercer, our project partner, as well as our Steering Committee and Expert Committee for their input, which has allowed us to draw on expertise from different communities and knowledge networks. How We Can Save (for) Our Future 5