In addition to all the expenses employees have to juggle their lives, pension funds create the most stress. More and more people are delaying retirement because they fear they won't be able to sustain their life in retirement. With increasing life expectancy and rising healthcare costs, retirement would jeopardize the stability of life. The increase in the elderly population in the workforce also means that young graduates will have difficulty finding work. In this memo I have presented some suggestions on how we can change to adapt to the pensions sector in the future. The cause of low retirement fund can be traced back to lack of planning. Many people depend on Social Security for retirement. Every pay tub shows that the government taxes their salary. This encourages them not to save earlier in their life, it is often almost too late when they start saving. In an effort to fill the gap, JP Morgan may hold talks at several companies, telling employees how to plan for retirement. Although this plan may not be valid...