Can McDonalds and Starbucks help solve the global retirement problem?

Mr Pranay Gupta, Research Consultant at the Centre for Asset Management Research and Investments at NUS observed that people in almost every developed country do not seem to have enough assets to fund their retirement. He proposed that spending and saving can be of equal convenience and importance if one can use the same pipes to spend and save money. He further suggested that all investment products should only have a description of target gain and maximum loss and to do away with market benchmarks.