@ZipLine-- The accumulation is usually twenty years. Most people do work at least twenty years before they retire and many governments also expect twenty years of employment for their citizens to apply for government retirement.
There may be private retirement firms that offer retirement in a shorter time frame. I'd still expect at least ten years though. And keep in mind that the shorter the accumulation period, the higher the monthly payments need to be towards retirement.
Most people don't think about retirement until after they're fifty. So even if someone enters the accumulation period when they're thirty, that's enough time. Of course, it's ideal to start earlier if possible.