Surviving the Slump

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GROUND UP: Make your retirement provisions early

There's a perfect storm brewing on Europe's horizon — a combination of tentative markets, sluggish growth prospects, and a demographic time bomb that will see the ratio of workers to retirees plummet dramatically over the next 40 years. The result; as state budgets shrink, Europe's consumers will have to rely more on themselves for things they once took for granted — like retirement benefits and comprehensive health care. For some, that will mean entering the investment culture for the first time — just when the outlook is bleak. For others, it will mean holding their noses and forging ahead despite lousy...

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