À la page 5, vous mentionnez que si les particuliers géraient leur propre fonds de pension—et comme vous le savez, c'est ce pour quoi beaucoup de pays ont opté—ce serait assez risqué.
On page 5 you mention that if the individual were to be managing a pension account on his or her own—and as you're well aware many countries have gone to individually owned and managed pension accounts—you mention it would be fairly risky.