Retirement Savings Retirement Planning Private Pension Funds Funding Models Retirement Funding Retirement Age Public Sector Pensions Investment Strategies Reforms Regulatory Framework Withdrawal Regulations Savings Behavior Retirement Income TFR Utilization Reform Impact Retirement Funds Social Security Impact on Young Workers Impact of Withdrawals Reform Strategies Pension Reforms Sistema de Ahorro para el Retiro Stock Investments Contributions Funding Mechanisms Investment Returns Public Expenditure Pension Levels Income Growth Government Spending Demographics Demographic Challenges