The majority of baby boomers could face a bleak retirement if they fail to adapt to the credit crunch, according to new research by the Hartford.Two-thirds (65%) of baby boomers, those aged over 45, have not reviewed their pension plan since the credit crunch began, the pensions provider said.The Hartford found that 42% of over-45s [...]

More: Baby boomers ignore crunch implications

But can we do? Is the best bet is to sit tight and hope things improve?

No, don't just seat. Check with your advisor or provider, they should be able to advise if there is a reason to be concerned.