<prompt> Translate the following text to EnglishKama inavyoonekana katika mchoro wa 1.4, akiba, kupitia mipango ya pensheni inayodhaminiwa na mwajiri na watu binafsi kwa niaba yao wenyewe, hutoa sehemu kubwa ya mapato ya kustaafu.  <response>: As figure 1.4 shows, saving, both through employer-sponsored pension plans and by individuals on their own behalf, provides a significant part of retirement income. 