Common to all hopeful theories about the mass affluent is the belief that they want to take their money out of low-yielding current accounts and put it into shares and mutual funds.

ECONOMIST: Banking for the well-off

All the studies I'm referring to above are out there in the public domain - which immediately raises a question over why some accounts claim big things for the new research but fail to take into account the context afforded by the larger body of published work.

BBC: Solar predictions bring heat and light

The government's own forecasts, which take likely interruptions into account by assuming continuous saving from age 30, suggest that the new accounts will give median earners a pension worth around 45% of their pay before retirement.

ECONOMIST: Pension prospects