Sogunro, A. B., O. B. Oke, S. M. Olaniyan, and F. A. Okesola,. “Options for Retirement Benefit Payout under the Nigerian Pension Reform Act of 2014: Which Is Better Between Annuity and Programmed Withdrawal”. Firdaus Journal, vol. 2, no. 2, Sept. 2022, pp. 43-61, doi:10.37134/firdaus.vol2.2.5.2022.