Retirement Traps to Avoid Full Size Version Share | Related Content 18 Years’ Worth of Days The average retirement lasts for 18 years, with many lasting even longer. Will you fill your post-retirement days with purpose? Immediate vs. Deferred Annuities Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities. Annuity Comparison This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.