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How prepared are New Zealanders to achieve adequate consumption in retirement? : a thesis presented in partial fulfilment of the requirements for the degree of Doctor of Philosophy in Banking at Massey University, Manawatu, New Zealand

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Figure

Table of Abbreviations
Figure 1: Modigliani’s life cycle hypothesis3��
Figure 2: Friedman’s Permanent Income Hypothesis4
Figure 3: Amended life-cycle consumption model6
+7

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