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 Contents Preparing For the Ultimate Vacation Make your retirement as exciting as your next vacation. IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. Annuity Comparison This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.