18. Calculating Future Values (L01) You have just made your first 54,000 contribution to your retirement account. Assuming you earn an 11 percent rate of return and make no additional contributions, what will your account be worth when you retire in 45 years? What if you wait 10 years before contributing? (Does this suggest an investment strategy?) 20. Calculating the Number of Periods (L04) You expect to receive $10,000 at graduation in two years. You plan on investing it at 11 percent until you have $75,000. How long will you wait from now