This chapter first sets out the tasks that a government must be able to carry out if a pension reform is to succeed, tasks that clearly vary with the type of pension system. It then describes the capacities that private pension providers need to have to implement voluntary or mandatory individual accounts effectively—that is, to ensure that the supply side is working well. Next the chapter considers the demand side of the market for individual accounts, notably the extent to which workers are well informed about the decisions they need to make, about the characteristics of different pension arrangements, and about the quality of different pension providers.
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