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Although the gender gap is closing, women over 50 are the worst-affected by cuts in their savings, it has been revealed.

The fifth annual Scottish Widows UK Pensions Report shows 21 per cent of people over 50 have saved less over the last 12 months than they did in the previous year.

"We have seen our index and ratio figures rise considerably once again this year so the message that people need to improve their pensions savings is certainly getting through," noted Ian Naismith, head of pensions and market development at Scottish Widows.

The index found that 59 per cent of men are saving adequately compared to 47 per cent of their female counterparts, with 21 per cent of the over-50s having cut their savings over the last 12 months.

Rachel Le Brocq, press and public affairs manager at the Building Societies Association, recently urged people to look for a long-term savings account, rather than opting for "headline rates that might draw savers in".

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