If you are 22 years old today and you figure you can save $6,000 year and invest in a stock fund for retirement at age 70 (48 years). You then assume you will have your social security benefits but should probably have an additional $60,000 per year. If assume conservatively that you can purchase a twenty-year annuity yielding $60,000 a year assuming a very conservative 4% investment return, what is the cost of that annuity? and what investment return percent do you need to achieve to get an amount sufficient to purchase the annuity?