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Many pensions also contain an insurance aspect, since they often will pay benefits to survivors or disabled beneficiaries, while annuity income insures against the risk of longevity.
While other vehicles (certain lottery payouts, for example, or an annuity) may provide a similar stream of payments, the common use of the term pension is to describe the payments a person receives upon retirement, usually under pre-determined legal and/or contractual terms.
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1980 pioneered the first comprehensive change  of a state-run, defined benefit scheme to a defined contribution pension system managed entirely by the private sector under supervision by a specialized government superintendency . Joseph Schumpeter credits the late scholastics of the 14th to 17th century as "coming nearer than any other group to being the 'founders' of scientific economics" as to monetary, interest, and value theory within a natural-law perspective.
Two other groups, later called 'mercantilists' and 'physiocrats', more directly influenced the subsequent development of the subject. But this,
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