Many Americans worry they will run out of money in retirement and it’s getting worse, a new survey shows. Four in ten U.S. investors think that it’s going to take a miracle to be able to retire financially secure. Nearly half (46 percent) of millennials feel this way, according to the 2021 global retirement index by Natixis Investment Managers. The index showed the United States dropping one step to 17th place in a survey of 44 countries’ national financial wellbeing. Three-quarters of respondents say increasing levels of government debt will lead to Social Security cuts. But retirement experts believe some strategies offer a good chance of accumulating and preserving a secure retirement nest egg. They say not all retirement savings vehicles are equal. Some strategies effectively preserve retirement savings. “As a general principle, with some exceptions, one should defer using qualified assets as long as possible,” Boyan Doytchinov, a financial …