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Old-age pension schemes have become social institutions in many, if not most, countries throughout the world. The goal of most public old-age pernsion schemes is to provide all qualifying individuals with an income stream during their retirement years which is: 1) continuous; 2) adequate; 3) constant, in terms of purchasing power; and 4) capable of maintaining the socioeconomic position of the retired in relation to that of the active population.
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