👉 Unaccumulated is a term used in economics and finance to describe an investment or financial asset that has not been fully invested. It refers to the portion of a total investment that remains undistributed after all potential gains have been realized, typically for several years or even decades. The term "unaccumulated" implies that there is no accumulation of returns on the investment over time. Instead, the investor's holdings are distributed among various income streams or investments, such as stocks, bonds, mutual funds,