Calculating Annuities You are planning to save for retirement over the next 30 years. To do this, you will invest $800 per month in a stock account and $400 per month in a bond account. The return of the stock account is expected to be 10 percent per year, and the bond account will pay 6% per year. When you retire, you will combine your money into an account with 9% return. How much can you withdraw each month from your account assuming a 25-year withdrawal period? Assume that the APR is compounded monthly.