Both capital accumulation and technological advance, however, require funding by voluntary savings and investment.

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In a company with a voluntary savings program, the participation in the program fell by 2% for every 10 mutual funds added to it.

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The US accused China of refusing to have its voluntary energy savings verified internationally.

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More and more working class and lower middle class people will see no point in saving through the government's voluntary pension schemes: savings cannot be extended down the income scale by clever tax vehicles, but only by reform of the welfare state to make saving worthwhile.

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We replaced that system with largely voluntary 401(k) and IRA savings plans.

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According to a second finance ministry official, who also spoke on condition of anonymity because he's not authorized to speak about the negotiations, new laws may not be needed if negotiators opt for a "voluntary contribution" from Bank of Cyprus savings accounts above 100, 000 euros, which is the insurance limit.

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Their latest effort: Draft voluntary disclosure rules put out in late May by the College Savings Plan Network, part of the National Association of State Treasurers.

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