The number of people saving adequately for retirement has hit an all-time low, while aspirations for pension income have risen, a Scottish Widows report has found.
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The number of women saving adequately for retirement has hit a seven year high according to the Scottish Widows' Women and Pensions report.
Fiona Murphy looks at the financial strains affecting how women are preparing for retirement.
The pensions industry regularly treads a fine line between taking legitimate advantage of tax breaks and pushing the boundaries to exploit perceived loopholes in legislation and regulation.
Women earn less than men on average. That's bad.
Pensions savers are losing faith in company schemes to provide for their retirement, with just two in five believing they will provide an adequate income, according to Scottish Widows.
The Tax Incentivised Savings Association (TISA) has appointed John Lawson, head of pensions policy at Standard Life, as chair of its retirement advisory council.
I'm not a hot-headed character. You're much more likely to find me reading PG Wodehouse while listening to Dolly Parton than reading Irvine Welsh while listening to Eminem.