Too much government Bill, what government initiatives have helped or protected citizens, and proved solvent over the long run? They can start teaching the virtues of savings in elementary school, as they did when I was a kid, but from there it should be up to the individual to plan for themselves. Not everyone can do this, but many figure it out

The government should provide taxation support to the funded pension system in an equitable and sustainable way, thereby providing incentives for voluntary savings and compensating individuals for the lack of access to their pension savings.
The governance of pension plans should be independent from the government and any employer control.
The pension system should be subject to appropriate regulation including prudential regulation of pension plans, communication requirements and some protection for pension scheme members.