Suppose you are 40 years old and plan to retire in exactly 20 years. Twenty-one years from now you will need to withdraw RM5,000 EVERY SIX MONTHS from a retirement fund to supplement your social daily life expenses. You expect to live to the age of 85. How much money should you place in the retirement fund every six months for the next 20 years to reach your retirement goal if you can earn 12 percent interest per year from the fund?