Discussion paper DP10538 Personal Pensions with Risk sharing: Affordable, Adequate and Stable Private Pensions in Europe Theo E Nijman Lans Bovenberg 12 Apr 2015 Financial Economics Labour Economics Public Economics D14 D91 E21 E62 G11 G22 G23 G28 H31 H55 J14 J18 J26 J62 P43