Retirement provision in scary markets : introduction / Hazel Bateman -- Who's afraid of the big bad bear? or, why investment in equities for retirement is not scary and why investing without equities is scary / Ronald Bewley, Nick Ingram, Veronica Livera and Sheridan Thompson -- Assessing the risks in global fixed interest portfolios / Geoffrey Brianton -- The role of index funds in retirement asset allocation / David R. Gallagher -- Retirement wealth and lifetime earnings variability / Olivia S. Mitchell, John W.R. Phillips, Andrew Au and David McCarthy -- How have older workers responded to scary markets / Jonathan Gardner and Mike Orszag -- Financial engineering for Australian annuitants / Susan Thorp, Geoffrey Kingston and Hazel Bateman -- Smoothing investment returns / Anthony Asher -- Ansett's superannuation fund : a case study in insolvency / Shauna Ferris -- Pension funds and retirement benefits in a depressed economy : experience and challenges in Japan / Masaharu Usuki -- The structure and regulation of the Brazilian private pension system / Flavio Marcilio Rabelo.