Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents The Power of Tax-Deferred Growth Why are 401(k) plans, annuities, and IRAs so popular? What Is a Roth 401(k)? Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.