Historically, families and marriage provided the security needed to support the elderly prior to the proliferation of pensions. As the population became more industrialized, private annuities rose in popularity with pensions resembling disability insurance. With the rise of socialism, pensions not only grew in popularity but replaced the family as support for the elderly. Unfunded pensions combined with poor demographics in which the elderly comprise a greater portion of the global population are leading to a situation that could cause the collapse of governments globally. The future for retirement is seriously in danger. The central banks are trapped and are unable to reverse course without admitting they have been dead wrong. 

Explore the origin of pensions and how their mismanagement has destroyed civilizations throughout history. This 87-page report also discusses the various factors that have contributed to the crisis, current fiscal policies, as well as why your 401(k) may be in danger. 

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