Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Is a SEP-IRA Right for Your Business? For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration. Investment Strategies for Retirement Investment tools and strategies that can enable you to pursue your retirement goals.