Which is the best way to accumulate wealth: a) Save your money by putting it into a savings account at the bank. b) Invest as much money as you can, at the end of each year, (A lump sum) into some sort of long term investment vehicle. c) Contribute to a monthly annuity as early as possible for the long term. d) Invest monthly into an investment vehicle that pays the minimum return. Choose a, b, c, or d and state four reasons why.