What type of metamorphism would occur in this setting? 
Definitions:
Retirement
The act of leaving one's job and ceasing to work, usually upon reaching a certain age or for health reasons, often marked by receiving pension or retirement savings.
Annual Withdrawal
Annual withdrawal often refers to the amount of money an individual elects to take out of an investment or savings account each year, potentially for retirement living expenses.
Trust Fund
A legal arrangement in which assets are held by a third party for the benefit of another party, often used for estate planning and to manage wealth.
Annual Return
The percentage change in investment value over a one-year period, accounting for any dividends or interest received and capital gains or losses.
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