3. Joe has just turned 35 and has 200,000 in his retirement investment portfolio. He plans to retire in 30 years. He plans to deposit 25,000 to this account on his 36th birthday and increase this amount by 3% each year thereafter until his retirement date. For planning purposes, he expects his portfolio to earn 5% EAR up to age50 and then earn only 4% EAR until he retires at age 65 How m have accumulated in his retirement account at his retirement date if all goes aecording to expectations? uch money (to the nearest dollar) will Joe