Wanted: Clarity on pension plans

It's well-known that unless he or she is entitled to a good pension from an employer, it's difficult for an Indian to arrange for a stable post-retirement income. However, what is worse is that there's no sign of the situation getting any better. The juxtaposition of three distinct pieces of news that came out recently underscores this problem strongly. Each one pertains to a different retirement product and each one has a different source of difficulty. 

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