Retiring the 4% Rule A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement. Share | Related Content Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Immediate vs. Deferred Annuities Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities. An Inside Look at Retirement Living A number of questions and concerns need to be addressed to help you better prepare for retirement living.