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. Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer. Annuity Comparison This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.