Text this: Boosting retirement adequacy via a lifetime investment scheme

   _____   __   __    _____     ______            
  / ___//  \ \\/ //  /  ___||  /_   _//   ____    
  \___ \\   \ ` //  | // __     -| ||-   |    \\  
  /    //    | ||   | \\_\ ||   _| ||_   | [] ||  
 /____//     |_||    \____//   /_____//  |  __//  
`-----`      `-`'     `---`    `-----`   |_|`-`   
                                         `-`