Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Content 12 Steps to Living: Horizon, Risk Tolerance, and Compounding Understand the concepts of horizon, compounding, and risk tolerance, and create an investment plan. How to Get Your Finances Ready for Retirement Everyone has a vision of their retirement in their heads. Taxable vs. Tax-Deferred Savings Use this calculator to compare the future value of investments with different tax consequences.