Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Retiring the 4% Rule A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement. Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.