Jy Linda is going to retire in 40 years. She needs $1 million to fund her retirement comfortably. Her investment fund currently earns a 6.59 p.a. rate of return. Based on this, Linda needs to contribute $438 per month from her salary into her investment fund. Market observers are anticipating a decrease in the rates of return for investment funds. Write a discussion to address the following: If the rate of return falls for her investment fund, how will this affect Linda's accumulated amount? Explain your answer in terms of Time Value of Money principles Then, suppose that Linda contributes $650 per month into her investment fund. Will she be able to retire sooner than or later than 40 years from now? Assume the same 6.596 p.a. rate of return. (50 - 70 words)