                                         759

  ,       -
.

   (contractual accumulation plans)  -
       ( ) 
    (    ).  
(sales charges)     ,     -
 .       .  
   ,       . -
        ,   -
        .

      (1970 .)  -
      ,     50% ,
   ,        (.. 
        ).  ,
        50%,      
18       ,   
 15%   .

       
.         -
         .   
      15.

22.4.3    

         -
   (Individual Retirement Account, IRA)    (Keogh
plan).  1993 .       IRA  $2000  ,  
  ( )   ,     IRA    
  $2250.  ,    ,   
   ,      . ,  
     ,    -
     16.

,    ,   25%
       (  $30 000
)    .       
   .     ,  
    .    ,   -
,      .   
 ,   59,5 ,       70,5 .

22.4.4     

      ,   -
 .          -
   ,         -
.           
 ,      ,  
.          
   .

        -
,       ,    -
   . ,  ,   

25*