A recent survey from Nationwide reveals how disruptive recent years have been for investors and the impact that that has had on their retirement plans.

Nationwide's ninth annual Advisor Authority survey, which is powered by the Nationwide Retirement Institute, found that retirement expectations have changed significantly in the past five years for 61 percent of investors. In addition, almost half of investors said their plans for retirement have been delayed, altered, or canceled because of economic conditions during that time period. The uncertainty extends to retirement savings targets, as only 38 percent of investors indicated that they currently have a retirement savings goal.

Of those with a goal, it tends to be a high one: Forty-two percent of investors think they will need between $1 million and $2 million to retire, and 18 percent believe they will need more than $2 million.