Namibia is not debating whether retirement security matters. It is debating how best to build it. A pension system is more than a payroll deduction; it is a social contract between generations. The question is whether the architecture we choose…

FOR MANY employees, pension benefits represent far more than money. They represent years of service, financial sacrifice and, ultimately, retirement security.For employers, however, pension benefits have at times also been viewed as a mechanism through which losses caused by employees…