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AS people draw near to retirement, they become increasingly concerned about ensuring a steady income flow. Many people count the days until they can make their lump-sum withdrawals from their pension funds, which they have been putting aside each month.
In the past 30 years, Malaysian Chinese have been getting married at a later age, while emphasis on career and the high costs of raising children and their education have contributed to a declining population growth of this ethnic group, writes LOH FOON FONG.