Article preview: When it comes to pensions, women often get a raw deal, relative to men. Lower lifetime earnings, combined with career breaks to raise children and care for relatives, are factors which result in less money in later life. Maternity leave and reduced working hours due to childcare commitments result in an average of £15,000 less saved by women when compared with the typical full-time working woman. But what can be done to put women on a better footing when it comes to their retirement savings? One suggestion is to give all first-time mothers a cash bonus for their pension pots.