Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content The Power of Tax-Deferred Growth Why are 401(k) plans, annuities, and IRAs so popular? Traditional vs. Roth IRA One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.