Future value of a portfolio.Rachel and Richard want to know when their current portfolio will be sufficient for them to retire. They have the following balances in their portfolio:

Money market account (MM):$37,000

Government bond mutual fund (GB):$1,50,000

Large capital mutual fund (LC):$106,000

Small capital mutual fund (SC):$73,000

Real estate trust fund (RE):$83,000

Rachel and Richard believe they need at least $1,400,000 to retire. The money market account grows at 1.5% annually, the government bond mutual fund grows at 5.5% annually, the large capital mutual fund grows at 9.5% annually, the small capital mutual fund grows at 12.0% annually, and the real estate trust fund grows at 3.5% annually. With the assumption that no more funds will be deposited into any of these accounts, how long will it be until they reach the $1,400,000 goal?

Rachel and Richard will need to invest their accounts for ___ or more years to reach $1,400,000. (Round to the nearest whole number.)