Hazimi Mohammed Foziah, Nik, et al. “Viability of Annuity-Based Option As Retirement Form of Benefit Among EPF Retirees”. International Journal of Engineering & Technology, vol. 7, no. 3.28, Aug. 2018, pp. 191-3, https://doi.org/10.14419/ijet.v7i3.28.23419.