Ayuso, Mercedes; Guillén, Montserrat; Valero, Diego - In: Economic challenges of pension systems : a …, (pp. 359-375). 2020
Recent reforms of public pension systems implemented in various countries, including Spain, have sought to ensure the …) may result in a decrease in the replacement rate or in the percentage that the pension represents of the last salary. The … development of complementary pension schemes, both occupational and personal, is presented as a feasible alternative for …