Jennifer has been offered a 30-year $500,000 fixed mortgage from her bank with an interest rate of 6.5%. What would be her monthly mortgage payment? 25. Sofia and Jose are both 30 and plan to invest $10,000 each year for the next 35 years for retirement. Sofia plans to invest in the Vanguard Total U.S. Stock Market Fund which she thinks will have a "gross" expected annualized return of 10.00 %. Vanguard charges a 0.05% expense ratio so its "net" expected return is 9.95%. Jose, by chance, plans to invest in the XYZ corporation's total U.S. stock market fund which also has a "gross" expected return of 10.00%. However, the XYZ fund has an expense ratio of 0.50% so its "net" expected return is accordingly lower than Sophia's fund. How much more is Sophia "expected" to have after 35 years of investing than Jose?