This edition of Collective Insight, entitled Gender, age and income:Do these factors make a difference in terms of the financial services and investment solutions on offer? seeks to address how the financial services industry caters to people of different needs. Indeed, the onus to save and invest is often placed upon the individual, and rightfully so. However, have we ever sat down and questioned how the products and solutions on offer affect our decisions to invest and save? What is the role of the financial services industry in ensuring that people save? And is the industry doing enough to reach the broader base of South Africans out there?