[scandox]

I'd love to come up with a genuinely transformative retirement savings system for the European market too. I built pensions systems in Ireland and the UK for years and my assessment was that the system was completely crazy from a contributors point of view - at least since DC (defined contribution) became the main paradigm.

Previously when DB (defined benefit) was a thing it was crazy from a company's point of view.

And always the extraordinary fees concealed in labyrinthine complexity and regulation.

[donalhunt]

please do! Europe has failed to deliver on a single market for this type of stuff. :(