Women and Retirement Women must be ready to spend, on average, more years in retirement than men. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents 2017 Year in Review Take a look at this 2017 Market Recap. Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.