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 Message Thank you! Oops! Related Content Retiring the 4% Rule A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement. How Will Working Affect Social Security Benefits? Knowing the rules may help you decide when to start benefits. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.