Japan's government is urging citizens to invest more to better prepare for their ever-longer retirement years.
According to a Financial Services Agency panel, elderly couples face an income shortage of about 500 dollars a month on average.
That adds up to almost a 200,000 dollar shortfall, assuming 30 years of retirement.
The panel says government pensions and retirement bonuses from employers won't be sufficient to live on.
As a result, the panel says workers need to start investing earlier to prepare and those nearing retirement should review spending habits.