Accumulation period


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Accumulation Period

1. The period of time in which someone saves, especially for retirement. Generally speaking, the longer the accumulation period, the more one saves.

2. In annuities, the period of time in which one contributes to the annuity. Depending on the type of annuity, taxes may be deferred during the accumulation period. Generally speaking, the longer the accumulation period and the more one contributes to the annuity, the greater the resulting income stream.

Accumulation period.

The accumulation period refers to the time during which your retirement savings accumulate in a deferred annuity.

Because annuities are federal income tax deferred, all earnings are reinvested to increase the base on which future earnings accumulate, so you have the benefit of compounding.

When you buy a deferred fixed annuity contract, the company issuing the contract promises a fixed rate of return during the accumulation period regardless of whether market interest rates move up or down.

With a deferred variable annuity, the amount you accumulate depends on the performance of the investment alternatives, known as subaccounts or separate account funds, which you select from among those offered in the contract.

At the end of the accumulation period, you can choose to annuitize, agree to some other method of receiving income, or roll over your account value into an immediate annuity. The years in which you receive annuity income are sometimes called the distribution period.

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Furthermore, we searched for possible correlations between the diurnal defecation rate and 1) the calendar week of the accumulation period, 2) the duration of the accumulation period, and 3) the number of diurnal beds for part of the samples.
Exhibit 1, at right, shows the breakeven holding period when the taxpayer is in the 35% bracket during the accumulation period and at distribution, and is not subject to the 10% penalty.
DCENT class B&C (2008-3), accumulation period shortened to eight months from nine months;
Following a variable accumulation period, principal is expected to be paid to class A certificateholders on the April 2012 distribution date and to class B certificateholders one month later.
The 2002-2 bonds were structured similarly to the 2002-1 bonds, with a 12-month accumulation period and a reserve account of 0.
Following a variable accumulation period, principal is expected to be paid to series 1997-T&U certificateholders on the September 2000 and the October 2002 distribution dates, respectively.
Following a variable accumulation period, principal is expected to be paid to class A certificate holders on the September 2011 distribution date and to class B certificate holders one month later.
Following a variable accumulation period, principal is expected to be paid to class A certificateholders on the July 2009 distribution date and to class B certificateholders one month later.
Following the variable accumulation period, principal is expected to be paid to both classes on the August 2004 distribution date.
The controlled accumulation period begins in April 2009 but may be shortened at the servicer's option (based on payment rate analysis) to no less than three months preceding the final payment date.
The defeasance eliminates servicing and receivable performance risks as the cash is held in the principal funding account (to cover principal) and the accumulation period reserve account (to cover interest) for the sole benefit of securityholders.
During the accumulation period, transfers between funds are unlimited(6), allowing investors to adjust their portfolio, tax free.