Each pension system is unique in its own way, so direct comparisons are hardly possible. Certain elements are nevertheless considered to be universally positive and promoting a better financial future for both the elderly and people in retirement. As in the case with the previous ratings, Mercer and CFA Institute grouped these 3 unique elements into 3 sub-indices: The adequacy sub-index: basic level of income and structure of the region’s private pension system. The sustainability sub-index: retirement age, advance state funding level, and national debt level. The integrity sub-index: adoption of new rules and management regulations to protect the scheme members.