5. You have just deposited $35,000 into a retirement account. You expect to make monthly deposits of $350 into this account over the next 40 years. For the first 25 years, you plan to pursue an aggressive investment approach, with an average annual rate of return of 12%. After that, you plan to become more conservative, and earn an annual return of 6% for the remaining 15 years. How much money will you have in your account when you retire 40 years from now? 6. Assume that you just won the state lottery. Your prize can be taken either in the form of $40,000 at the end of each of the next 25 years or as a single payment of $500,000 paid immediately. If you expect to be able to earn 5 percent annually on your investments over the next 25 years, which alternative should you take