to increase their savings and choose to invest in assets which offer higher returns, eventually leading to sufficient retirement savings. Knowledge dissemination concerning return on investment and
choose the easiest and most convenient option. Thus, often the decisions are made irrationally while several times biases are allowed to distort the decisions. Decision making usually involves with three
Debenture Bond Basel Convertible Debenture IC Bond SUKUK Structured Debenture DR-Common share Depositary Receipt DR-Convertible debenture Depository Receipt Representing Foreign Securities NVDR Preferred
Securitization Debenture Bond Basel Convertible Debenture IC Bond SUKUK Structured Debenture Common share (LiVEx) DR-Common share Depositary Receipt DR-Convertible debenture Depository Receipt Representing Foreign