蓄 store or put aside

Store the CHICKS in the hen-house.

The farmers set aside both their flower crop and their domestic animal crop for the winter.

savings ★☆☆☆☆
貯 (save up) + 蓄 (store or put aside) = 貯蓄 (savings)

All savings, especially investments such as stocks, gold and gems.Or anything else you're hoarding.

accumulate. ☆☆☆☆☆
蓄 (store or put aside) + 積 (pile up) = 蓄積 (accumulate.)

accumulate. Used about bad things mostly - bills or stress piles up. Similar to 止まって来た (とまってきた） or 重なる (かさなる）。 But 蓄積 can also can be good, like the compound interest or accumulated knowledge.