The government's started automatically enroling private sector staff into workplace pension schemes...

but critics - including the respected Institute for Fiscal Studies - say the effect it will have on overall saving is 'unclear'.

Some of the country's biggest supermarkets are among the first companies to offer staff aged between 22 and 65 the deal - which sees employers putting in a minimum contribution from today.

Up to 9 million people are expected to be involved by 2018.