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The sooner a person begins utilizing tax-deferred accumulation vehicles, the more dramatic the difference in results between tax-deferred accounts and taxable accounts. As demonstrated with the calculator, you’ll see a greater difference the longer the timeframe.

See the difference* a few years would make for John Smith, keeping in mind that he:

• Has saved $50,000 for retirement.
• Plans to save $10,000 a year.
• Is a moderate risk-taker and hopes to receive a pre-tax annual return rate of 8 percent.
• Is in the 31 percent marginal tax bracket.