Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Tuning Your Social Security Benefit When should you take your Social Security benefit? 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.