Question 4 2 pts If an individual wants to protect against the risk of superannuation (dependent old age), the preferred risk management tools are retention and transfer, with maximum reliance on social insurance transfer options retention and transfer, with minimal reliance on social insurance transfer options avoidance and transfer, by working until you have to retire, then transferring the risk of your dependent old age to your children reduction and avoidance, with maximum reliance on continued employment during retirement years DEC 16 . tv S 4