Sandra, age 33 , is thinking about investing for retirement. She plans to retire at age 61 . At that time, she will need $1.15 million in assets. She has calculated that inflation will average 2.50% over her lifetime. If she can earn an average annual rate of return of 7.35% what will be her real rate of return? 4.73% 3.58%. 4.85% 5.35%