Optimal Financial Advice for Pension Products

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The thesis explores the impending transformation of pension systems in Europe, highlighting the inadequacies of many state-based systems to meet their commitments. It examines the potential for a disruptive revolution in how pensions are managed and delivered, addressing the urgent need for reform in the face of changing demographic and economic conditions. The work reflects on the implications for individuals and society, emphasizing the critical nature of this issue in contemporary discussions about financial security and retirement planning.