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Mitchell, O., & Smetters, K. (2003-11-13). Money-Back Guarantees in Individual Pension Accounts: Evidence from the German Pension Reform. In The Pension Challenge: Risk Transfers and Retirement Income Security. : Oxford University Press. Retrieved 17 Nov. 2019, from https://www.oxfordscholarship.com/view/10.1093/0199266913.001.0001/acprof-9780199266913-chapter-9.