It’s ironic that many pension savers will spend most of their working lives trying to build up a pension pot and then, increasingly, spend a large chunk of their retirement trying to beat off fraudsters, scammers and crooks trying to take it from them.

The soaring amount the government is raking in from investors was brought home in stark terms this week with new figures on the amount raised by Capital Gains Tax alone.

Not for the first time, we’ve run a story about the dismal state of many adults' personal finances and lack of saving - but the question is what to do about it and why does it happen?