Also, many countries public pension programs and/or pensions for public employees are increasingly in peril. The United States is another example of that with public pensions getting more and more insolvent and their Social Security and Medicare programs hemorrhaging money quite quickly with many pundits saying that the programs will run out of money in 1-3 decades at best. Other countries like Canada and much of Europe are having much the same problem in their own ways.

However, this study does have a lot going for it. First, they did the study over an entire decade and they surveyed a lot of people for the study. There were 25,000 responses and about 4,500 were included in the final results according to the "what you should know" section on the first page of the article. The time horizon and the size of the study are both very good in terms of...
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