Q: Statistics show that women have less money in retirement and they live longer. Well, while the latter is definitely true, the only thing one can conclude about the former is that the statistics are affected by solo mothers or divorcees.

In my family, in every case spanning four generations, when the great-grandfather, grandfather and father passed on, the money went to the surviving spouse. In my own case, my will leaves everything to my wife should I pre-decease her.

A: Sorry, but your family tree isn't quite a scientific survey! It feels as if you think solo mums and divorced women are somehow spoiling the pretty picture of wedded bliss and shared money. And what about other single women? They are all there, and they all matter as much as the comfortably married.

At the start of retirement, men have, on average, 20 per cent more in savings than women. The reasons are obvious:

• Women often earn less, partly because they tend to work in lower-paying jobs, and partly because of prejudice.


• Women are more likely

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