Despite an increasing number of savings products to choose from in 2009, interest rates are at record lows, hitting people who want an income from their savings.
The situation's not set to change in the short term either - with economists predicting that the Bank of England base rate will not rise significantly over the next twelve months.
The picture is more complex for investors. Though the FTSE All-Share index has gained more than 40% in value since April, the equities market is still volatile.
So what will 2010 be like for savers and investors?
Money Box is joined by Justin Modray from Candid Money; Andrew Hagger from the comparison website, Moneynet. The programme also hears from Justin Urquhart Stewart from Seven Investment Management, who explains how Exchange Traded Funds work as a form of investing.
This item was first broadcast on Radio 4's Money Box on Saturday, 2 January 2010.