In addition, there may be ways to more effectively incorporate community engagement into the process—for example, by having the banking agencies develop a joint community contacts database to facilitate access to information from local community stakeholders.
One example is Japan's individual savings account for the long-term, diversified, and periodic investment of a small fixed amount with tax exemption, or the Tsumitate NISA. Another example is individual-type defined contribution private pension plan with various tax benefits, or the iDeCo. As life expectancy increases, people need to find ways to extend the life of their financial assets.