In problem (2), what rate of return would give you exactly $50,000 in 15 years? If you save $4000/year over 40 years, what rate of return must you earn in order to accumulate $2,000,000? What is the effective interest rate on 12% compounded quarterly?; monthly? In problem (2), what rate of return would give you exactly $50,000 in 15 years? If you save $4000/year over 40 years, what rate of return must you earn in order to accumulate $2,000,000? What is the effective interest rate on 12% compounded quarterly?; monthly