Kate starts saving for retirement today and plans to make annual contributions into this retirement account. Which one of these is most apt to increase the total amount she has saved on the day she retires? Assume she earns a positive rate of return each year.

A. Retiring at age 62 rather than age 66

B. Decreasing the investment's average rate of return

C. Decreasing the amount she saves each year

D. Delaying her retirement by 1 year

E. Delaying any additions to her savings by 1 year