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.

Over the last few years we’ve run many survey-type stories highlighting that women are often the poor relations when it comes to saving and investing. They often fare worse on pension saving, lack confidence in investing and have less set aside.

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?

The Treasury has launched a new gilt offering the equivalent of 5.375% interest until January 2056 but investors need to act quickly, says AJ Bell, as orders need to be made through the platform by 2.30pm today.