What's the best way to save for retirement?
21 September 2013 Last updated at 09:21 BST
Almost half of all people who are retired say that they haven't saved enough money, according to a survey by HSBC.
The survey found that 46% of people can't afford to do everything they wanted to after giving up work.
Easy-access bank accounts often pay little more than 1% a year in interest, and people are often confused as to what the best method of saving for the future is.
Nigel Cassidy reports.