By  Andrew Fertig, Alissa Fishbane, Jaclyn Lefkowitz 

Acknowledgements 
We’ve been fortunate to work with many individuals who made this report possible. We are enormously grateful to MetLife Foundation for its support and partnership throughout our efforts, and especially to Evelyn Stark, Alison Jarrett, Gabriela Zapata, and Nalleli Garcia Gutierrez. We’d like to thank our team members Marcela Cheng Oviedo, David Munguía Gómez, and Juan David Robalino for their excellent research and design contributions as well as their dedication to launching and testing these interventions over the past three years, and the many other members of the ideas42 staff that provided support throughout this process. We are also fortunate to have collaborated on some of the interventions in this report with our academic partners Hal Hershfield, Michael Norton, Avni Shah, Dilip Soman, and Matthew Osborne. The authors would also like to thank all the stakeholders in the Mexican retirement system for their willingness to share industry knowledge, offer their perspectives on designs, and test a variety of solutions throughout this project: Carlos Ramirez Fuentes, Carlos Marmolejo Trujillo, Victor Baeza Bravo, Ernesto Brodersohn, Alejandro Maldonado Viveros, Alejandra Vargas Castillo, Marlene Olvera Suarez and their team at CONSAR; Raúl Gallegos Muller, Gerardo Hernández, Claudia Rodríguez Cortes, Guillermo Chavarria, and Guillermo Galvan Arteaga and their team at Sura; Ricardo Narvaez, Daniela Villareal Gutierrez and their team at InverCap; Maria Dolores Martínez, Adriana Oribio Gallegos and their team at Pensionnissste; Juan Carlos Alcalde Mendez, Ana Luisa Saavedra Granja, Ramón Rentería Hernández, Beatriz Zambrano León, Alejandra Torres Rodriguez and their team at XXI-Banorte; Alejandro Dryjanski Rubinstein, Nadya Camarillo Martínez, Elsy Lopez Gonzalez, Roger Nunez Ramos, Marlene Trujillo Gonzalez and their team at Citibanamex; and Juan Carlos Macías Elizondo, Iliana De León Villareal and their team at 7-Eleven. Finally, we thank the many account holders who participated in the pilots described in this report. 

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