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 Social Security: By the Numbers Here are five facts about Social Security that might surprise you. Split Annuity Strategy Here's one strategy that combines two different annuities to generate income and rebuild principal. Roth 401(k) vs. Traditional 401(k) This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).