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 Preparing For the Ultimate Vacation Make your retirement as exciting as your next vacation. Immediate vs. Deferred Annuities Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities. Saving for Retirement This calculator can help you estimate how much you may need to save for retirement.