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 18 Years Worth of Days The average retirement lasts for 18 years. Are you prepared to fill that many days? Your Changing Definition of Risk in Retirement A change in your mindset during retirement may drive changes to your portfolio. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.