About 25% of people over 40 years of age believe that their retirement pensions or Social Security will become insolvent, according to a survey conducted by Behavioral Science Research. Of the 558 household financial decision-makers surveyed, nearly half of those aged 45 to 54 believed that Social Security benefits will be spent by the time they retire. Banks can position retirement savings plans, such as 401(k) and mutual funds, as safe financial investments to fill the gap left by Social Security or pension benefits., A recent survey suggests that consumers' outlook on retirement is gloomier than previously thought. Interviews with retirees, and those preparing to retire, found that many believe their savings are inadequate, [...]