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 Content Dreaming Up an Active Retirement When you retire, how will you treat your next chapter? What Is a Roth 401(k)? Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA. Annuity Comparison This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.