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Future value of a portfolio. Rachel and Richard want to know when their current portfolio will be sufficient for them to retire They have the following balances in their portfolio: Rachel and Richard believe they need at least $2, 300,000 to retire The money market account grows at 2.5% annually, the government bond mutual fund grows at 5.0% annually, the large capital mutual fund grows at 9 0% annually, the small capital mutual fund grows at 12.5% annually, and the real estate trust fund grows at 3.0% annually. With the assumption that no more funds will be deposited into any of these accounts, how long will it be until they reach the $2, 300,000 goal? Rachel and Richard will need to invest their accounts for or more years to reach $2, 300,000. (Round to the nearest whole number.)