91福利社

As the credit crunch pushes Britain's long-running pensions and savings time-bomb to a critical new stage, Panorama takes the experts to those facing a very uncertain retirement to see if they can find a solution.

Record low interest rates and miserly returns are punishing those who put money away for the future, yet the bankers who created the economic problems are being bailed out. Panorama asks: just who is on the side of the savers?

And with many of Britain's biggest companies abandoning their final-salary schemes, private pensions drastically underperforming, and the state pension still too low, can the government really find the tens of billions of pounds needed to plug the pensions black hole?