Problem 4-30. If we were to invest $10,000 in an S&P 500 index fund, pay 0.2% annual fees, and add $100 a month to it for 40 years, receiving 10.4% annual returns, what, theoretically, would happen to our investment with 3.43% annual inflation? What would it be worth in terms if today's dollars? That's 10.4%-0.2%-3.43%-6.77% over 40 years