Hardship withdrawals are up, people are often reluctant to change providers and there is an ongoing and persistent gender savings gap.' 

<p>Hardship withdrawals are up, people are often reluctant to change providers and there is an ongoing and persistent gender savings gap.'&nbsp;</p>

With more than more than 25 years' experience reporting on consumer affairs, business and politics, Garth Bray brings you today's business news, direct from the Herald NOW studio. 

<p>With more than more than 25 years' experience reporting on consumer affairs, business and politics, Garth Bray brings you today's business news, direct from the Herald NOW studio.&nbsp;</p>