2.2 overview of Time Value of Money Lou is nearing retirement and his retirement account at his employer has a balance of $1,650,565. He initiated the account 30 years ago when he was eligible to participate in the retirement plan and contributed $1,000 a month through payroll deductions. His employer matched his contribution with $200 each month. What variable would determine Lou's average annual return for the past 30 years? Future value. Number of periods. Interest rate. Present value