
If you've only just begun your career, retirement can seem so far away that it's not worth thinking about. However, no matter what stage you are at in your career, you can't afford not to think about retirement and saving for the future — that day when you finally clock out for the last time.
What makes retirement planning now more challenging than in the past is the expectation that today's trends may lead to dramatic changes in the landscape by the time you actually retire, whether that's in 10 year or 40 years. The retirement savings industry could be on track to change significantly by as soon as 2030, according to a recent survey of financial professionals and employers from investment firm Principal. Here are some trends you may want to keep in mind as you plan for retirement.