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 Variable Universal Life Insurance Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested. Inflation and Your Portfolio Even low inflation rates can pose a threat to investment returns. Managing Money as a Couple Keys to preparing to grow wealthy together.