Fewer people in Guernsey are making provision for their retirement, according to a survey by Natwest.
It showed the most common type of saving was for short-term goals such as holidays and travel, rather than for pensions or retirement.
Mark Chipperfield, senior financial advisor at Rossborough Financial, said he had seen profound changes during the economic downturn.
He said there was a massive drop in the number of people saving for retirement.
Mr Chipperfield said: "It is now almost exceptional for someone to top up their retirement vehicles, we get very few inquiries for taking up saving plans.
"There has been quite a change in actual attitudes to investing money generally."
No one from Natwest was available to comment on the results of its survey.