Jonnie is 63 years old. Jonnie is in the 30% marginal tax bracket and earned 7.69% this year on the funds in his Roth IRA. Ignoring any taxes paid on the original investment, what is Jonnie's after tax return on his Roth IRA this year? [Hint: Please think carefully about what happen to funds in a Roth IRA and how they are treated for tax purposes].