... two ways: 184 Rich in America05 Chapter Maurer 6/20/03 5:14 PM Page 184 1 68 Rich in AmericaFuture Value of Annual $3,000 IRA Contributions at an 8% Annualized Return $83 9,000$367,000$1 48, 000$0$100,000$200,000$300,000$400,000$500,000$600,000$700,000 $80 0,000$900,00020 ... continuedeferral upon an award maturity is usually made during employment.You must be aware of when your plan assets will be distributed andwhat investment allocation choices, if any, are available ... (indexed each year for inflation). That arrangement allows for a quick buildup of retirement assets, particularly for older partici-pants, but once the benefit formula is determined, the annual con-tributions...