Britain's women are leaving themselves dangerously exposed to financial risk in later life a new report says.
The research also shows that almost half (42%) of women aged 30-59 are living in fear of what their retirement might hold.
HSBC Insurance's The Future of Retirement report makes grim reading for the nation's female population who appear far less prepared for their retirement.
It highlights that women may be leaving themselves open to financial hardship in later life should their circumstances change, and notes that fewer women than men have addressed their long-term financial security.
Twice as may women (17%) as men (8%) say they have no retirement planning, while almost twice as many men (32%) as women (18%0 feel prepared for the long term.
Christine Foyster, head of premium wealth proposition at HSBC, said: "Often women do not consider long-term financial planning early enough, leaving them at risk of being under-prepared in later life.
"There is also a tendency to have unrealistic expectations about how much to save and therefore to put saving off," she added.