Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Contents Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Immediate vs. Deferred Annuities Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.