The accumulation phase is the period when an annuity owner can add money and accumulate assets in a tax-deferred manner. Now that the national trend is individuals wanting to save money for retirement, it is common for people to ask, “How am I doing?” This really means, “Will I have enough to retire on – because I don’t want to run out.” Understanding the accumulation phase can better prepare you to avoid confusion as you save money for your retirement.
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