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26. Clare, R. (2019, July). Better retirement outcomes: A snapshot of account balances in Australia . Association of Superannuation Funds of Australia. https://www.superannuation.asn.au/wp-content/uploads/2023/09/1907-Better- Retirement-Outcomes-a-snapshot-of-account-balances-in-Australia.pdf 27. Society of Actuaries Latin America. (2019). Spotlight on retirement: Summary report. https://www.soa.org/491f94/ globalassets/assets/files/resources/research-report/2020/latin-america-retirement-summary-english.pdf 28. European Insurance and Occupational Pensions Authority. (2023). Consumer trends report 2023. https://www.eiopa. europa.eu/document/download/015404b4-a289-41a2-a044-17fa6a96799b_en?filename=EIOPA-BoS-23-470-%20 Consumer%20Trends%20Report%202023.pdf 29. Prudential. (n.d.). Attitudes to retirement in East Asia. Retrieved February 12, 2025, from https://www.prudentialplc.com/ en/news-and-insights/insights/attitudes-to-retirement-in-east-asia 30. Brenan, M. (2023, May 25). Americans’ outlook for their retirement has worsened. Gallup. https://news.gallup.com/ poll/506330/americans-outlook-retirement-worsened.aspx 31. Ackerley, A., & Nefouse, N. (2024, December). To spend or not to spend? BlackRock. https://www.blackrock.com/us/ individual/literature/whitepaper/spending-retirement-assets-final-whitepaper.pdf 32. World Economic Forum. (2023, June 8). Living longer, better: Understanding longevity literacy. https://www.weforum.org/ publications/living-longer-better-understanding-longevity-literacy/ 33. Hasler, A., Lusardi, A., & Yakoboski, P . (2023). Financial literacy, longevity literacy, and retirement readiness. TIAA Institute. https://www.tiaa.org/public/institute/publication/2023/financial_literacy_longevity_literacy_and_retirement_readiness 34. Arapakis, K., & Wettstein, G. (2024, January 2). How much do people value annuities and their added features? Center for Retirement Research. https://crr.bc.edu/how-much-do-people-value-annuities-and-their-added-features-2/ 35. Ibid. 36. Daya, M. H. A., & Bernard, C. (2022). What matters in the annuitization decision? Swiss Journal of Economics Statistics 158(14). https://doi.org/10.1186/s41937-022-00094-4 37. Employee Benefit Research Institute. (2023). 2023 RCS fact sheet #2 expectations about retirement. https://www.ebri. org/docs/default-source/rcs/2023-rcs/rcs_23-fs-2.pdf?sfvrsn=708d392f_4 38. Central Provident Fund Board, Singapore. (2024). What is CPF LIFE? https://www.cpf.gov.sg/service/article/what-is-cpf- life 39. Vitorino, A., & Muralidhar, A. (2023). How Brazil’s RendA+ bond could render DC retirement Risk obsolete. Investments and Wealth, 12(1). https://publications.investmentsandwealth.org/iwmonitor/vol__12__no__1__2023/MobilePagedArticle. action?articleId=1952470#articleId1952470 40. Services Australia. (2025). Home Equity Access Scheme. https://www.servicesaustralia.gov.au/home-equity-access- scheme 41. National Seniors Australia. (2024, October 17). Home Equity Access Scheme applications soar. https://nationalseniors. com.au/news/in-the-media/home-equity-access-scheme-applications-soar 42. Massachusetts Institute of Technology (MIT) and AgeLab. (2021). AI and longevity. https://agelab.mit.edu/static/uploads/ mit-agelab-ai-longevity_wp-04-21-1357_ada.pdf 43. Padhan, S., et al. (2023). Artificial intelligence (AI) and robotics in elderly healthcare: Enabling independence and quality of life. Cureus, 15(8). https://www.cureus.com/articles/175952-artificial-intelligence-ai-and-robotics-in-elderly-healthcare- enabling-independence-and-quality-of-life#!/ 44. Massachusetts Institute of Technology (MIT) and AgeLab. (2021). AI and longevity. https://agelab.mit.edu/static/uploads/ mit-agelab-ai-longevity_wp-04-21-1357_ada.pdf 45. Generation. (2024). Age-proofing AI: Enabling an intergenerational workforce to benefit from AI. https://www.generation. org/wp-content/uploads/2024/10/AgeProofingAI_Generation_FINAL.pdf 46. World Bank Group. (2021). The Global Findex Database 2021: Financial inclusion, digital payments, and resilience in the Age of COVID-19. https://www.worldbank.org/en/publication/globalfindex 47. PwC. (2023). PwC’s 2023 employee financial wellness survey. https://www.pwc.com/us/en/services/consulting/ business-transformation/library/employee-financial-wellness-survey.html 48. Bank of America Workplace Benefits. (2024). Inspiring inclusive financial wellbeing in the workplace. https://business. bofa.com/content/dam/flagship/workplace-benefits/ID22-0888/Bofa-WBR-brief.pdf 49. Ibid. 50. CVS Health. (n.d). Employee relief fund. Retrieved February 12, 2025, from https://www.cvshealth.com/impact/healthy- community/disaster-relief/employee-relief-fund.html 51. Chartered Institute of Personnel and Development. (2023, July 4). 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