You need to add inflation (and investment return) because compounding interest will make a huge difference at time of withdrawal How do you save for your kids to go to college? (financialsamurai.com)
If it goes into an annuity does the full amount become taxable at time of withdrawal. (moneysmartsblog.com)
Referring to the public deficit, he said: «Of course, there is a perfectly sensible debate about the appropriate timing of the withdrawal of the temporary fiscal stimulus as the economy recovers. (news.bbc.co.uk)