But in the week before a new more generous individual savings account (Isa) allowance launches, there is a need to promote the benefits of stocks and shares Isas over cash Isas.
According to HMRC figures, at the end of 2011-12, 46 per cent of adults in England had an Isa and 14.6 million adults subscribed to an Isa in 2012-13. Yet the shocking statistic is the proportion of cash Isas - which make up 80 per cent of the total. The vast majority of cash Isa holders will have seen the value of their money eroded over the past 10 years by low interest rates which haven't kept pace with inflation.
Meanwhile, only 8 per cent of subscribers saved at the maximum £10,680 Isa allowance in 2011-12 - that's just over one million people. So we can already predict that the new beefed up £15,000 Isa allowance from 1 July will only be used by a fraction of savers and investors.
But Isas could be used by so many more people, particularly at retirement, when even if you haven't got new money to invest, you should think about whether you can benefit from moving assets from pensions into Isas. As we explain here, Isas are the premium tax wrapper for taking retirement income - and people taking drawdown should look to move as much as possible into Isas to boost their income.
Some savers will have built investments outside an Isa - or inherited lump sums. With every new tax year, more of these investments can be moved inside an Isa to protect against future tax, and with the increased Isa allowance, this process can be speeded up.
The same applies to couples where one person fully utilises their Isa allowance, but the other doesn't. It could save tax if one spouse gives assets to the other in order for both of their Isa allowances to be used to the full.
