Citigroup (“Citi”), Oxford Martin and Global Coalition on Ageing are not affiliated and are independent from each other, though Oxford Martin has an academic partnership with Citi through Citi Global Insights. The speakers’ views are their own and may not necessarily reflect the views of Citi or any of its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.