Please assist to solve, I will certainly give upvotes for it. Thank you

1. Which of the following statement is CORRECT regarding the retirement benefit schemes available in Malaysia? Select one: a. A Non-insured scheme referred to as Self-Administered or Trusted scheme use trust corporations set up by banks to manage the investment of the funds, as such the funds do not carry any risk. b. In a defined contribution pension scheme, the employer bears all the contribution. c. Annuities can be utilized as pension scheme, where payments received are exempted from tax. 2. If it has been shown that the retirement funds of a retiree may not be sufficient in the future, which of the following statements is the best step to be taken first? Select one: a. Pre-allocate the spending based on expected retirement resources available. b. Find ways to readjust retirement resources available. c. Increase investment to match future needs. d. Maintain current lifestyle until retirement before adjusting