1.   Agents are accused of misleading clients into signing up for savings plans that were actually insurance policies.

2.   Joining the savings plan is a no-brainer.

3.   Just do it.

4.   Labour funds are eligible for registered retirement savings plans, which could translate into even more tax savings.

5.   Marketing departments know that if they attach this description to a savings plan, most of us will be bowled over.

6.   The next stage is a policy profile, which will itemise savings plans, life-cover policies and pension schemes.

7.   We have worked out how badly smokers lose out by not diverting their cigs cash into a savings plan.

8.   America Saves is focused on encouraging moderate- and low-income households to commit to personal savings plans.

9.   And in the higher-education savings plans that more and more states are authorizing, earnings are taxed, but not until withdrawal.

10.   Annuities are tax deferred savings plans sold by insurers.