in a recent survey by hsbc's the future of retirement programme, an independent study of global retirement trends, the key findings were: a. 48% of over 1,000 respondents aged 30 to 39 say they have no short-term savings b. only 30% of those who were married or living together aged 40 to 49 are protecting their assets c. 34% of those who are aged 50 to 59 do not have retirement plans d. only 12% have undertaken tax planning e. 24% of parents do not have any life insurance policy f. 53% of all parents do not have individual term life insurance despite having dependent children g. 8 in 10 parents have not made a will h. for parents who have financial plans for their families, 24% do not have any type of life insurance in their plans i. maintaining a private retirement fund or life insurance rank above investing ......