I'm starting a retirement savings program and expect to need $2, 000, 000 in 40 years. I begin with a deposit of $650 and then deposit $450 permonth at an interest rate of 0.5% per month. I also have a trust fund that will add $20, 000 to the fund at the end of the 7th year, what return is required (%/month) beginning in year 8 if my monthly deposit remains at $450? 0.7% 0.5% 0.6% 0.8%