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(Bloomberg Business) — You can almost feel the shrug in French workers’ response to questions about retirement. About 60 percent say they have no retirement plan, and just 8 percent of those with a plan have it written down. They have lots of company in Poland and the Netherlands, where the percentages are similar. The minority of global workers who are serious retirement planners—people who not only have a plan in mind but also say they have a written plan—are in Brazil, at 23 percent, as well as in the United States and India, both at 21 percent. 

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