This paper proposes a list of crucial factors that can be considered as a template for universal retirement plan. Malaysia is used as the base of our modelling. Ten crucial factors that are identified to have an affect directly or indirectly on the retirement plan among the three largest races...

This paper proposes a list of crucial factors that can be considered as a template for universal retirement plan. Malaysia is used as the base of our modeling. Nine crucial factors that are identified to have direct or indirect effect on the retirement plan among the three largest races in...