Assume that you make an annual salary of $120,000 for the entire year starting at the age of 22.Your salary grows each year at 5%. You save 10% of your salary from ages 22-32 with an investment return per year of 7% What is the total amount of these savings when you retire at age of 60. Assume a 1.5% in annual trading, management and advisory cost. What is your revised investment return per year? What does this do to your retirement fund at age 60?