Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Is a Variable Annuity Right for Me? Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about whether annuities are right Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.